In advance, I will forget the tax rebate 2004-8-19 Source: After the International Financial News repays all the loans in advance, the original personal housing loan housing insurance contract is also terminated at this time. According to the relevant regulations, the borrower can carry the insurance policy is porthing and the laundry certificate, and the insurance company refunds the premium paid monthly, the new listing of the new listing of the new listing of the new listing, the unit, the year-end bonus, many people have A large amount of cash. The annual interest rate is 5% of the mortgage interest rates, but the interest in 20 years will accounted for a large half of the room. In this way, many people choose to pay in advance. And what is suitable for early repayment, how to operate in advance, to visit the bank, professional broker to seek the answer. It is easier to deal with the procedures for this type of payment in advance. Generally requiring customers to inform Bank in advance (usually 10 working days to 1 month in advance); banks calculate the total number of customers' total arrears, designate customers to pay for payments, pay the monthly interest; banks send residers to contract designated lawyers The firm, handle the contract to cancel the mortgage loan and register the property management department; after the lawyer does all the procedures, it will notify the owners to lead all the property contracts. Some banks do not pass the lawyers, as long as they do their handles, they will also return the real estate license or the purchase contract to the customer. After paying all the loans in advance, don't forget the insurance company, the tax department will take back the money. After the borrower repaid all the loans in advance, the original personal housing loan housing insurance contract was also terminated at this time. According to the relevant regulations, the borrower can carry insurance or prove in advance, and to return the loan to the insurance company to refund the premium paid on a monthly basis. In advance, it is necessary to pay the insurance premium. According to the original housing is a premium, the retention fee is the actual period of the insurance premium (the insurance period of more than half of the year is generally minus the loan period to subtract 1 year), the original one-time payment premium Factors such as the discount rate and the speed calculation coefficient, its calculation formula is: Inquiries, returned insurance premium = present value of the payment of insurance premiums in advance - pre-returned premium premium in advance in advance. In advance, I will pay for a tax refund. If you don't forget to go to the tax department for tax refund procedures. When you purchase commercial housing, all family members of the taxible tax should be written as the real estate right to buy a house contract, and after signing the contract, after paying the house, the "buyers has paid a personal income tax" application, and obtaining it. "General Payment Book". After paying all the loans in advance, you can obtain a real estate certificate, and within 6 months of the proof of real estate rights, go to the tax department to check the tax rebate. In the initial year, don't pay attention to it in advance, not to pay back in advance during the first year. According to the relevant provisions of the provident fund loans, some advanced payments should be proposed after 1 year, and the amount returned by more than 6 months should be more than 6 months. Another point is that in the borrower contract, in advance should not have time due, if there is time due, it is not returned, and the arrears should be repaid in advance. Remind 1: Inquiries, the payment of the OMP, China Industrial and Commercial Bank of Industrial and Commercial Bank, believes that the public must fully consider its own fund operation and subsequent source of funds when choosing the loan period, for example, Mr. Mr. After 30 years, a total of 680,000 yuan. It has begun to have a monthly equivalent repayment amount of 3906.62 yuan, of which 3160.99 yuan is interest, 745.63 yuan is the principal. The customer has also reached a total of 745.63 × December = 8947.56 yuan, repaying interest is 3160.99 × 12 = 37931.88 yuan. Under the like, most funds are only interest, while the principal accounts for 19.1%. At this time, if you choose to pay in advance, there will be a lot of interest losses. If you have an expectation in advance, it is best to choose an equal fund repayment method, and the loan term should not be too long. Remind 2: The selection of the mortgage in the shadow of the disease is in the consumption concept of the Chinese people. It has the ability to reply as soon as possible, but the bank is reluctant.
