to buy a house for most people, it is a huge consumption, brush credit card is not enough, so the deposit is not enough, the loan to buy a house is everyone's choice. in 2006, the term "house slaves" aptly describes the soaring house prices and can't have no house buyers of the true state of their own. millions of loans, with almost half of the residual life of a time to pay, this is not only on the economy is a mountain of stress, the more the spirit of "mortgage slaves" level brings a big stimulus.
nowadays, people are accustomed to the loan to buy a house this model, a variety of loan portfolio or save money or save trouble, especially after the central bank to cut interest rates again and again, each city accumulation fund policy also changed accordingly, how to reasonably use accumulation fund to save ?
full purchase
to the developer of the inventory period in order to run, with all kinds of preferential information to attract buyers. "full 97 fold, mortgage 99 fold", two percent gap, let people don't move is false. take 1 million to buy a house, if full can save 30000 yuan to buy immediately, and save the long decades to hundreds of thousands of interest from the bank. ?
in addition, all purchases from the various fees, bank interest, etc. and lump-sum payment can bargain and developers, further saving the purchase. if deposits are, of course, is a good choice, but the full purchase need to pay attention to the following aspects:
1. the predictable variables. most in the sale of housing in the market now is period room, buyers choose lump-sum payment increases the risk of purchase. for a one-time payment of consumer, development chamber of commerce request property buyers in the pre-sales phase pay house money so, and signed the "commercial housing sales contract". however, in the process of trading, a lot of booking building 5 card one incomplete problem, although the sales staff commitment to a certain time period will supplement the formalities, but for property buyers, is full of unknown variables, one of the biggest problems is the "record".
2. the risk of unpredictable. full purchase plan, if the developer without making a room on schedule, or by reason of project funding, unable to complete consign is used even engineering "abandoned", that ?
mortgage buyers
late mortgage buyers for most people, although has a huge interest need to pay, but the relatively small impact on the quality of the life. especially in the case of deposit interest rates, can use accumulation fund loan to buy is the best. personal housing accumulation fund loan interest rate is 3.75% (5 years), commercial loan interest rate is 5.65%, therefore, provident fund loans when is first selection.
1. the standard of law and law of principal and interest waiting for the forehead
a lot of people don't know, the loan is divided into equal principal method and the method of principal and interest waiting for the forehead. ??
in the method of principal and interest waiting for the forehead, banks generally charge remaining principal interest first, after the principal, so the interest in the monthly contribution ratio will decrease along with the reducing of the principal, the principal in the monthly contribution ratio and higher, but the month for the amount remains the same. in the method of standard of people a month returned to the capital sum of constant, diminishes along with the rest of principal, interest and gradually reduce their monthly payments. ??
, in a nutshell, although the two algorithms is completely different, but simply from the perspective of the reimbursement amount of each month, method, the amount of monthly repayment of principal and interest waiting for the forehead is the sam
two kinds of reimbursement means applicable in different populations:
monthly payments of principal and interest waiting for the forehead is the same, so more suitable for families with normal spending plans, especially young people, and increased with age or position promotion, the income will increase, natural living standards rise; if such people choose the principal method, the early repayment pressure will be very big. ??
matching the principal method for the early repayment amount is larger, and then decreasing month by month, so more suitable for earlier repayment ability of borrowers, of course, some age slightly bigger one is more suitable for this way, because as they get older or retire, income may be reduced.
take 1 million provident fund loans, repayment in 30 years to say: choice of reimbursement of principal and interest waiting for the forehead, ?
2. payment in advancein addition, some people the economy is getting better and better, want to choose, owing on the loan in a certain period at an early date to jilt to "mortgage slave", is also less interest, but also to calculate the accurate time to also is really a bargain. loan fixed number of year, for example, has more than half, principal is greater than the interest on your monthly payments, then the meaning of the prepayment. also, after a partial payment in advance, the remaining loan citizens should choose to shorten the loan term, rather than to reduce monthly payments. ??
because, bank interest is mainly in accordance with the loan amount calculated occupy the time cost of the bank, so choose to shorten the loan time limit can effectively reduce the spending of interest. if the loan term shortened just in the period of lower interest rates after class,
3. the accumulation fund transfer payments
when applying for loan portfolio that buy a house, on the one hand, try to use the provident fund loans and extending loan fixed number of year, as far as possible to enjoy the advantages of low interest rates at the same time, the greatest degree to reduce monthly provident fund payments; to shorten the commercial loan fixed number of year, in the domestic economy affordable to maximize business loan payments on a monthly basis. ??
in this way, the structure of the monthly payments will show accumulation fund share, business share much less state. accumulation fund account after offset common reserve fund month for, can offset commercial loan balance, thereby saving interest is very considerable.
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