House purchase loans it is today one of the most popular topic, with bank loans opened the door to the larger loan, "threshold" has reduced the people's "appetite" is hanging in the increasingly high. However, it borrowed the "delivery versus" is, after all, even with interest to be returned to the bank, to enjoy the "feast" have to think twice before they act. According to the Bank of Communications Shanghai Branch in charge of the consumer credit business loans to home buyers on a mapping survey results show that the amount due to give loan-to-large, long time, resulting in some loan difficult or even seriously affected the normal life has been embarrassing situation Many see. This insight to remind consumers, home loans, keep in mind: to risk loans, loan-to-be acting according to our capability cited.
Loan ratio of the number of suitable
For some, such as "competition", "one go" mentality, some members of the public when in-house purchase "big" good "expensive", the loan amount corresponding to enlarge or extend the period, and the capacity of its own loan and loans to The impact of future life of a lack of the necessary analysis and forecasting, when deeply Daidao repayment pressure. For the vast majority of working people in particular, the purchase is a major event in life, this may be paid by the lifetime savings and efforts, need not act in haste. So, what kind of prices are more reasonable? » According to industry estimates, the purchase price to control the family income in the following six times more appropriate. Such as loan-to 80 percent for the period 20, a month after the repayment will not exceed 40 percent of revenue, and the remaining more than 60 percent of income can better maintain living expenses. If more than the above ratio, may affect the quality of daily life. Of course, this income must be stable, guaranteed. Give credit to those currently engaged in the career prospects and the employment capacity of all individuals to have full knowledge of the best left some room for free, get caught in a dilemma.
Purchase a risky investment
As people's awareness of investment gradually strengthened, for some people value, the value of good wishes, will aim at the vision of the real estate investment in this emerging field. Compared with other commodities, real estate prices are very variable. A variety of factors affecting prices, such as Lot, structure, levels and the environment. So, if you did not necessarily the vision and judgement, who can guarantee that you purchase property in a number of years will still be expected after the investment earnings »
If the investment property is cited by the loan-to-achieve, the more necessary Suansuan another one account: loan risks. At the present policy, housing mortgage interest rate adjusted every year. According to industry analysis, the current low lending rates is likely Suihangjiushi. If the basis of rising interest rates, lending rates will be adjusted accordingly. Let us set interest rates unchanged, on the assumption that your down payment to purchase a 100,000 yuan worth 500,000 yuan of housing, coupled with the five-year loan principal and interest of 400,000 yuan, 556,000 yuan for the purchase expenditures. If coupled with about 1.4 million to 100,000 yuan raised interest rates five years of losses, the total of 570,000 yuan. This has not been counted as other registration fees, insurance, contract taxes, such as another transaction to pay the fees. If the loan period of 10 or 20 years, interest payments would be more impressive.
Loans are tips
According to their actual conditions and loan capacity, rationally determine the line of credit and loan period is also quite a headache, the longer the duration of the monthly loan repayment will be less, but the total amount will certainly increase. In general, life has three major expenses: cost of marriage, house purchase costs, children's education expenses. Years of borrowing should help determine the reasonable cost of the three scheduling. So, if the loan is too long, even after retirement have to bear higher repayment pressure on ordinary people, the risk more. In addition, the loans have tips. Now, all commercial banks in the housing loan business of marketing, will also take some convenient ride out means and measures. If the end of last year the Bank of Communications launched the "non-designated event of the mortgage loan business," If people purchase their own implementation of the mortgage banks, and Fang Chanshang do not provide any guarantee, in general, can enjoy a one-time payment Fang Chanshang provide preferential prices Measures. The value of a housing 500,000, one-time payment for one percent, would save 5,000 yuan of the purchase cost, Why not? » Also, Bank of "loan portfolio" species, provides customers in the bid to host the housing loan business, the line to the other applications such as the renovation loans, loans and other consumer durable goods, each can enjoy lending rates fall 2 percent of the concessions, up to 10 percent.
Loan ratio of the number of suitable
For some, such as "competition", "one go" mentality, some members of the public when in-house purchase "big" good "expensive", the loan amount corresponding to enlarge or extend the period, and the capacity of its own loan and loans to The impact of future life of a lack of the necessary analysis and forecasting, when deeply Daidao repayment pressure. For the vast majority of working people in particular, the purchase is a major event in life, this may be paid by the lifetime savings and efforts, need not act in haste. So, what kind of prices are more reasonable? » According to industry estimates, the purchase price to control the family income in the following six times more appropriate. Such as loan-to 80 percent for the period 20, a month after the repayment will not exceed 40 percent of revenue, and the remaining more than 60 percent of income can better maintain living expenses. If more than the above ratio, may affect the quality of daily life. Of course, this income must be stable, guaranteed. Give credit to those currently engaged in the career prospects and the employment capacity of all individuals to have full knowledge of the best left some room for free, get caught in a dilemma.
Purchase a risky investment
As people's awareness of investment gradually strengthened, for some people value, the value of good wishes, will aim at the vision of the real estate investment in this emerging field. Compared with other commodities, real estate prices are very variable. A variety of factors affecting prices, such as Lot, structure, levels and the environment. So, if you did not necessarily the vision and judgement, who can guarantee that you purchase property in a number of years will still be expected after the investment earnings »
If the investment property is cited by the loan-to-achieve, the more necessary Suansuan another one account: loan risks. At the present policy, housing mortgage interest rate adjusted every year. According to industry analysis, the current low lending rates is likely Suihangjiushi. If the basis of rising interest rates, lending rates will be adjusted accordingly. Let us set interest rates unchanged, on the assumption that your down payment to purchase a 100,000 yuan worth 500,000 yuan of housing, coupled with the five-year loan principal and interest of 400,000 yuan, 556,000 yuan for the purchase expenditures. If coupled with about 1.4 million to 100,000 yuan raised interest rates five years of losses, the total of 570,000 yuan. This has not been counted as other registration fees, insurance, contract taxes, such as another transaction to pay the fees. If the loan period of 10 or 20 years, interest payments would be more impressive.
Loans are tips
According to their actual conditions and loan capacity, rationally determine the line of credit and loan period is also quite a headache, the longer the duration of the monthly loan repayment will be less, but the total amount will certainly increase. In general, life has three major expenses: cost of marriage, house purchase costs, children's education expenses. Years of borrowing should help determine the reasonable cost of the three scheduling. So, if the loan is too long, even after retirement have to bear higher repayment pressure on ordinary people, the risk more. In addition, the loans have tips. Now, all commercial banks in the housing loan business of marketing, will also take some convenient ride out means and measures. If the end of last year the Bank of Communications launched the "non-designated event of the mortgage loan business," If people purchase their own implementation of the mortgage banks, and Fang Chanshang do not provide any guarantee, in general, can enjoy a one-time payment Fang Chanshang provide preferential prices Measures. The value of a housing 500,000, one-time payment for one percent, would save 5,000 yuan of the purchase cost, Why not? » Also, Bank of "loan portfolio" species, provides customers in the bid to host the housing loan business, the line to the other applications such as the renovation loans, loans and other consumer durable goods, each can enjoy lending rates fall 2 percent of the concessions, up to 10 percent.
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