Buy a house, the event is of paramount importance in life, must be carefully re-cautious, careful calculation of costs. Otherwise, there may be reduced to a Buliu Shen, "The Slave"……
Have experienced over the past few years the macro-control, now Beijing real estate market prices and not before so "high", but with the constant or CPI, but also the hands of the yuan a few years ago, as far as valuable. How to better control the cost of financing purchases loan problem »
First time home buyers
Rent the end of life for the first time home buyers, we should let the lowest cost of financing.
Mr Cheng, 28-year-old, single, a financial company staff, after-tax monthly income of 7,000 yuan. After graduating from Beijing has left more than five years, tenants have been living. Now, their savings 180,000 yuan loan intended to buy a house.
Loan guidance:
Mr Cheng such as the current "owners of the North drift" in Beijing after years of the Work hard but want to settle down, because of years of rental experience has made them tired, instead of renting is not such as loans for housing purchases, also to the cost-effective. Mr Cheng as a first-time home buyers are not subject to the restrictions on the second loan, if the units for the payment of provident fund loans, the use of provident fund loans will buy some more money if no payment of housing accumulation fund, the use of commercial loans can be.
As a first time home buyers of Mr. Zheng, the use of commercial loans can also enjoy the benchmark interest rates fall 15 per cent of the prime rate is 6.6555%, 30% down payment, bank loans 70% 20.
According to the borrower monthly loan amount should not exceed 50 percent of revenue on the basic laws of loans, the loan, Mr Cheng for not more than 3,500 yuan most appropriate, so a total of 640,000 below the 450,000 bank loan following the Mr Cheng is more appropriate for the purchase of housing. According to this price, Mr Cheng can purchase a 45 square meters room about 55 square meters around the living room of the small apartment housing a total of about 11,000 -1.4 million. The price of housing and real estate market prices now more anastomosis, according to Mr Cheng's monthly income and savings deposits to judge, or in its bear within the scope of the future and will not affect the quality of life.
Second home buyers
Second home buyers need to purchase the upgrade, should be preferred to reduce the provident fund suites financing costs.
High teacher, 30 years old, married, his wife just had a baby of Health, with its love of family income on 1.1 million units have to pay housing accumulation fund. Did not get married before their loans to buy a small Erju 60 square meters of living together with their parents, there are still 10 years have not repaid loans. High teacher parents in Nancheng have a 30 sq m waiting for the demolition of the cottage. Now, he has children, crowded house obviously an urgent need to replace the big house.
Loan guidance:
According to macro-control last year under the "second mortgage" policy, as long as the borrower's first set of housing loans have not been repaid, and loans should be regarded as second homes. Only in the per capita housing area of less than the local average level, the borrower re-apply for loans to banks may follow the first set of housing loans since the implementation of policies. Obviously, the high teacher under the current conditions do not meet this preferential policy, but he also has a need to re-purchase the "home buyers upgrade" reasons, how do Caihao »
According to the lending policies of commercial banks, the first housing units regardless of whether or not repaid, the loans are once again regarded as two suites, according to two sets of mortgage-related policy implementation. Obviously, if the second set of high teachers also use commercial housing loans, then can only be treated in accordance with national policies, the implementation of 40% down payment, the basic interest rate as high as 10 percent of the interest rate that is 8.61 percent. Thus, virtually teachers will increase the number of house purchase high-cost loan, and for.
To save money, since the high teacher housing units have to pay for their provident fund, he can apply for the provident fund loans to buy second properties. Because, according to the Beijing Municipal Housing Fund is now the relevant policies and regulations, the borrower is the first commercial housing loans, whether or not repaid, the use of provident fund loans are not affected and will continue the implementation of the first set of housing policies. Only in the first set of borrowers have repaid the use of provident fund loans and no, both spouses can not be used Provident Fund loan to buy a second suite.
At present provident fund loans is more than five years in the rate of 5.22 percent, 4.77 percent within five years, according to the borrower's loan period has different qualifications vary, in most cases can be 80 percent loan-to-30 to the housing provident fund loans, the credibility of good quality May be as high as some will be higher. If this is the case, the high teacher can also save a lot of house purchase loans cost.
Down payment a "gap" in urgent need of working people, can choose to real estate mortgage loans to low-cost solution, "the hardship."
Qian boss is a businessman, three years ago loans to buy a three-bedroom 120 square meters, is now in the mortgage. Now, with business growing, the owner of the money to buy a lot in the bustling 200 square meters of high-grade apartments. He is also optimistic about the house after the money paid on the loan to pay for the first payment, the owner of the business of money suddenly has some conditions, will be home all their savings and had originally planned to buy all of the money urgently to the business of. Although the business will soon solve the problem, but here loan purchases by the "deadlock", since many have already paid the deposit can not Datuitanggu not know how to solve »
Loan guidance:
According to the owner of the money judgement of the economic situation, the purchase can not now pay the first payment of a temporary economic "gap", not because it was on the termination of swaps on the good intention to buy a house plan.
Judging from the current financial market financing channels, in the macro-control "monetary" tightening the circumstances "enliven" a number of pawn business. Pawn as long as the borrower seemingly simple trip to the pawn of the assets to provide sufficient collateral, they can in the shortest possible time financing in place. But their interest was also high on the "appalling." According to relevant provisions of the current pawn interest rate cap on corporate finance for4.5 percent, in this limit the scope of the various interest rates pawn companies have developed different levels, such high interest rates for mortgage borrowers, will undoubtedly Will be a heavy debt burden.
In addition to pawn, but also a way to solve not only the first payment of the money the boss "pressing need" while maintaining the low-cost financing to the head, is the "mortgage consumer loans." According to unsecured consumer loans of policies and regulations, money can be the boss relatives or friends of the real estate market higher, "borrowed" to do collateral, and then to the banks for loans. Will now also a mortgage in this three-bedroom 120 square meters sold, according to the current real estate market prices should be able to sell a good price, through the "touch" of a "sell" the money will be used to Rong To pay the money to buy the owner of the apartment building 200 square meters of the first payment, the remaining money can also prepayments will buy the new housing .Finally, the owner of the money only "dedicated" friends and family also lent his mortgage on the property for, you can buy 200 square meters of new housing to enjoy a happy life.
Who does not want to buy a house loan costs Yuediyuehao, according to the real estate market trend now, everyone should be on their own future purchase plans to make a calm, rational expectations, after careful planning to make a smart choice.
Have experienced over the past few years the macro-control, now Beijing real estate market prices and not before so "high", but with the constant or CPI, but also the hands of the yuan a few years ago, as far as valuable. How to better control the cost of financing purchases loan problem »
First time home buyers
Rent the end of life for the first time home buyers, we should let the lowest cost of financing.
Mr Cheng, 28-year-old, single, a financial company staff, after-tax monthly income of 7,000 yuan. After graduating from Beijing has left more than five years, tenants have been living. Now, their savings 180,000 yuan loan intended to buy a house.
Loan guidance:
Mr Cheng such as the current "owners of the North drift" in Beijing after years of the Work hard but want to settle down, because of years of rental experience has made them tired, instead of renting is not such as loans for housing purchases, also to the cost-effective. Mr Cheng as a first-time home buyers are not subject to the restrictions on the second loan, if the units for the payment of provident fund loans, the use of provident fund loans will buy some more money if no payment of housing accumulation fund, the use of commercial loans can be.
As a first time home buyers of Mr. Zheng, the use of commercial loans can also enjoy the benchmark interest rates fall 15 per cent of the prime rate is 6.6555%, 30% down payment, bank loans 70% 20.
According to the borrower monthly loan amount should not exceed 50 percent of revenue on the basic laws of loans, the loan, Mr Cheng for not more than 3,500 yuan most appropriate, so a total of 640,000 below the 450,000 bank loan following the Mr Cheng is more appropriate for the purchase of housing. According to this price, Mr Cheng can purchase a 45 square meters room about 55 square meters around the living room of the small apartment housing a total of about 11,000 -1.4 million. The price of housing and real estate market prices now more anastomosis, according to Mr Cheng's monthly income and savings deposits to judge, or in its bear within the scope of the future and will not affect the quality of life.
Second home buyers
Second home buyers need to purchase the upgrade, should be preferred to reduce the provident fund suites financing costs.
High teacher, 30 years old, married, his wife just had a baby of Health, with its love of family income on 1.1 million units have to pay housing accumulation fund. Did not get married before their loans to buy a small Erju 60 square meters of living together with their parents, there are still 10 years have not repaid loans. High teacher parents in Nancheng have a 30 sq m waiting for the demolition of the cottage. Now, he has children, crowded house obviously an urgent need to replace the big house.
Loan guidance:
According to macro-control last year under the "second mortgage" policy, as long as the borrower's first set of housing loans have not been repaid, and loans should be regarded as second homes. Only in the per capita housing area of less than the local average level, the borrower re-apply for loans to banks may follow the first set of housing loans since the implementation of policies. Obviously, the high teacher under the current conditions do not meet this preferential policy, but he also has a need to re-purchase the "home buyers upgrade" reasons, how do Caihao »
According to the lending policies of commercial banks, the first housing units regardless of whether or not repaid, the loans are once again regarded as two suites, according to two sets of mortgage-related policy implementation. Obviously, if the second set of high teachers also use commercial housing loans, then can only be treated in accordance with national policies, the implementation of 40% down payment, the basic interest rate as high as 10 percent of the interest rate that is 8.61 percent. Thus, virtually teachers will increase the number of house purchase high-cost loan, and for.
To save money, since the high teacher housing units have to pay for their provident fund, he can apply for the provident fund loans to buy second properties. Because, according to the Beijing Municipal Housing Fund is now the relevant policies and regulations, the borrower is the first commercial housing loans, whether or not repaid, the use of provident fund loans are not affected and will continue the implementation of the first set of housing policies. Only in the first set of borrowers have repaid the use of provident fund loans and no, both spouses can not be used Provident Fund loan to buy a second suite.
At present provident fund loans is more than five years in the rate of 5.22 percent, 4.77 percent within five years, according to the borrower's loan period has different qualifications vary, in most cases can be 80 percent loan-to-30 to the housing provident fund loans, the credibility of good quality May be as high as some will be higher. If this is the case, the high teacher can also save a lot of house purchase loans cost.
Down payment a "gap" in urgent need of working people, can choose to real estate mortgage loans to low-cost solution, "the hardship."
Qian boss is a businessman, three years ago loans to buy a three-bedroom 120 square meters, is now in the mortgage. Now, with business growing, the owner of the money to buy a lot in the bustling 200 square meters of high-grade apartments. He is also optimistic about the house after the money paid on the loan to pay for the first payment, the owner of the business of money suddenly has some conditions, will be home all their savings and had originally planned to buy all of the money urgently to the business of. Although the business will soon solve the problem, but here loan purchases by the "deadlock", since many have already paid the deposit can not Datuitanggu not know how to solve »
Loan guidance:
According to the owner of the money judgement of the economic situation, the purchase can not now pay the first payment of a temporary economic "gap", not because it was on the termination of swaps on the good intention to buy a house plan.
Judging from the current financial market financing channels, in the macro-control "monetary" tightening the circumstances "enliven" a number of pawn business. Pawn as long as the borrower seemingly simple trip to the pawn of the assets to provide sufficient collateral, they can in the shortest possible time financing in place. But their interest was also high on the "appalling." According to relevant provisions of the current pawn interest rate cap on corporate finance for4.5 percent, in this limit the scope of the various interest rates pawn companies have developed different levels, such high interest rates for mortgage borrowers, will undoubtedly Will be a heavy debt burden.
In addition to pawn, but also a way to solve not only the first payment of the money the boss "pressing need" while maintaining the low-cost financing to the head, is the "mortgage consumer loans." According to unsecured consumer loans of policies and regulations, money can be the boss relatives or friends of the real estate market higher, "borrowed" to do collateral, and then to the banks for loans. Will now also a mortgage in this three-bedroom 120 square meters sold, according to the current real estate market prices should be able to sell a good price, through the "touch" of a "sell" the money will be used to Rong To pay the money to buy the owner of the apartment building 200 square meters of the first payment, the remaining money can also prepayments will buy the new housing .Finally, the owner of the money only "dedicated" friends and family also lent his mortgage on the property for, you can buy 200 square meters of new housing to enjoy a happy life.
Who does not want to buy a house loan costs Yuediyuehao, according to the real estate market trend now, everyone should be on their own future purchase plans to make a calm, rational expectations, after careful planning to make a smart choice.
No comments:
Post a Comment