How to choose the most suitable housing loan mode, Mr. Wang, recently, to buy suites, although the one-time payment does not have to pay interest to the bank, but also get the purchase discount to the developer, but he feels that there is too much mobile capital. If you take these money to invest other projects, maybe investment profits can not only make up for those "opportunities costs", but also roll the snowball to grasp more opportunities. Therefore, weigh the third, Mr. Wang, I still applied to the bank for decade loans. Financial experts agree to Mr. Wang's practice, but also remind more buying homes, should pay close attention to some impact on the recent macro-control policy to buy a house, and use some new mortgage methods launched by banks, combined with their own actual, find suitable Your own mortgage method. What is the impact of policy changes This year, the state has continuously introduced macro-control policies. These policies have a profound impact on multiple fields of social life. The real estate industry is no exception, even before the overall regulation has become more and more tightened. In February this year, the China CBRC will release the wind and will introduce the "Guidelines for Commercial Bank Real Estate Loan Risk Management". In the comments, "commercial banks should focus on assessing borrowers", "specific requirements are that commercial banks should pay each pen The monthly estate expenditure and income ratio of personal housing loans are controlled below 50%. In other words, if the lender family enters 10,000 yuan, the monthly mortgage month is not more than 5,000 yuan. If there are other debts such as mortgage, car loan, the loan will be less, this is The economic capacity of the lenders put forward higher requirements. And, with the central government's control, major banks have taken corresponding measures to improve the threshold of personal housing mortgage loans. On May 8, Wenzhou City ICBC took the lead in raising personal purchase loans, and announced that the loan to buy 3 housing is no longer housing mortgage. Subsequently, Beijing and Shanghai have followed the wind. Although the major banks in Guangzhou did not explicitly put forward the above practices, they also said that they will strengthen the credit audit for lenders. For secondary buyers, they will be strictly examined, and the upper loan interest rate is necessary when necessary. Banks also have the corresponding restrictions on large-scale, large-scale, high-end commercial housing, and villas, and restrictions on the company to purchase office buildings. These policies have improved the threshold of the mortgage, such as the original payment of 100,000 yuan to carry out two0% down payment, and the results of the down payment ratio have increased to 30%, then the buying house will have to drag. However, due to the same bank's mortgage policy, the people should be careful to find the right bank. In addition, the national land policy strictly controls land development, interest rates may be raised, and property tax has been tried in some cities, which will have an impact on the real estate market, which directly affects the mortgage of the people. With bank new mortgage methods, with the gradual popularity of monetary branch, the bank mortgage has become the main means of purchasing houses in most people. Buy a house first, the concept of post-repayment can be described as deep. The housing loans of the initial bank seem to be almost, but the growing market has also contributed to the fierce competition between banks, launched different loan methods, and become a trick to attract customers in the bank. It is recommended that this year and Guangfa launched by Guangfa, which have been launched by Guangfa, and the launch of people's livelihood, and the combination will be launched, and some mortgage products are relatively bright. Make financial management housing loans, the home launched by Guangfa has a good financial mortgage, on the basis of improving the efficiency of mortgage, through financial and competing, and the discovery, etc., to achieve interest "burden" for buyers. After returning the loan, the lender can automatically obtain a credit loan of the same amount without re-handling.
"How good" is how to achieve interest "reduction"? Guangfa Personal Business Department explains the reporter that the mortgage method will be combined with the advanced repayment and automatic quota to achieve a deposit equal to the loan, so that the principal is getting less, the interest naturally decreases. Simply put, buying builders have a savings account in Guangfa, and can apply to automatically use the deposit on the account to repay the loan principal in advance. On the 20th of each month, when the applicant reaches 10,000 yuan of integer times, it can be automatically transferred to repay the loan in advance. After a preceding payment, the applicant can also obtain an equal amount of personal credit, and the payment in advance may be accumulated in full, and the amount is 1 year. The housing mortgage can also enjoy a discount of 5% -10% of interest rates under certain conditions. In addition, after retaining the minimum amount, the lender's repayment account can also automatically transfer the remaining amount to the regular account for financial management, and obtain a higher reward than the conventional deposit. The combined repayment of the Bank of China has been launched last year, it is based on the traditional equalization of the gold and equal principal and interest. According to the borrower's income growth curve, the borrower "tailor-made" repayment the way. It is a repayment of the loan principal segmentation, calculates the interest payment according to the actual occupancy time of funds. That is, according to the future income and expenditure of the borrower, the entire loan principal will be divided into several repayments, then determine the repayment period of each stage. For example, if there is less income, it will arrange a repayment of gold, and the income is 30-45 years old, and the repayment principal will be arranged. During the repayment, the principal of each stage will calculate the monthly payment amount in the specified period, and the non-returned principal is based on monthly interest, and the two parts are added to form a monthly contribution. Amount. Combination repayment can be flexibly arranged in accordance with the future income of the borrower, flexibly arrange its payment amount; according to the change of the borrower expenditure, the amount of the borrower's payment is reasonably adjusted. In addition, although the starting point is very good, although the starting point is very good, the phenomenon of the designated real estate is very common, this method is not too large, and involves all the risks, the bank is The practice is reserved, only the individual cases can be considered. Therefore, buyers should learn more about all banks before handling mortgages, and find ways to fit themselves as much as possible.
Case 1: Wealth Management House mortgage loan household monthly income: 5500 yuan loan amount: 300,000 yuan repay period: 15 years repayment method: equal principal rate monthly savings: 1000 yuan loan interest rate: 5.04% Choice Automatic advance payment 10000 The first part of the yuan can save: general mortgage loans: 128154.3 yuan wealth management mortgage loan: 98187.21 yuan to reduce interest expenses 29,967 yuan can save the second part of the fee: once a loan can save costs: 1, housing assessment fee 2100 yuan; 2. Housing management bureau mortgage registration and other miscellaneous charges; 3, lawyer's fee is about 500 yuan; total: about 3,000 yuan interest expenses and cost spending total saving more than 32,000 yuan Cases 2: Wealth management housing mortgage loans: 500,000 yuan loan deadline: 1 year family monthly revenue: 5500 yuan monthly savings: 1000 repayment: one pay-by-month payment loan interest rate discount: down 10% can save the first part of the fee: General mortgain: 31862 yuan Wealth management mortgage: 27684 yuan to reduce interest expenses 4178 yuan can save the second part of the fee: every loan, the cost savings is as follows: 1. Housing assessment fee is about 3,500 yuan; 2. Housing management bureau mortgage registration and other miscellaneous charges 400 yuan; 3, the lawyer fee is about 500 yuan; total: about 4,400 yuan interest expense and cost expenditure consumption saving more than 8,500 yuan hike expectation to pay in advance? Recently, the rumors about the central bank may raise interest rates all over, and many buyers are worried that they have to pay a lot of interest, so many people who have repaid it in advance. In this regard, the financial expert said that it is not good to pay in advance. For example, Mr. Wang mentioned in the beginning of the article, his approach is relatively rational. If it is only necessary to pay more interests, it will take all the money to pay, but will not only miss potential investment opportunities, but also in a tight financial crisis. Therefore, the buying homes should be rational to the interest rate hike, even if it is really added, it is necessary to decide whether to pay according to their own financial situation. A financial analyst of the Agricultural Bank pointed out that it is not suitable for anyone in advance, it should be a good economic condition, and the money has no other use in the hands of the hand. If the buying house is not high, the income is stable, and it is more suitable for longer-year-old loans, and according to the office, it will not affect everyday life. For example, Mr. Zhang executes 100,000 yuan to bank loans is the interest rate of commercial loans. After the calculation, he accumulated the bank 43085.75 yuan to the bank in the 5th year after the loan, paying interest 22268.11 yuan, and the balance of loans (this gold) is 56914.25 yuan. If the original loan contract is maintained, it is full of repayment period until the 10th year, and the accumulation will pay interest to banks 30707.60 yuan. If you apply for a clear loan in advance at the end of the 5th, then just return the remaining principal 56914.25 yuan. In the first five years, because Mr. Zhang occupied a large amount of loans, the interests actually occurring and paying, accounting for 72.52% of the total interest amount; after 5 years, most of them have returned most of the principal, the actual occurrence The interest payment is less, accounting for 27.48% of the total interest rate.
