Loans 15 to 20 years time the most appropriate. A basic common sense, the longer the duration of the monthly loan repayment will be less, but the total amount will certainly increase. 100,000 yuan loans by 10, also about 1,090 yuan a month, the total repayment of about 13 million loan by 20, also about 690 yuan a month, the total repayment of about 166,000 yuan. Experts believe that the general term borrowings 15 to 20 years is enough, the ordinary people, after retirement to assume a higher repayment pressure, high risk.
The purpose of extending the repayment period is to reduce the monthly repayment amount, but whether or not the longer period Let us look at an example. To borrow 10,000 yuan as an example, if two years repaid, the monthly repayment 438 yuan, 504 yuan interest burden if repaid four years, the monthly repayment only 229 yuan, 209 yuan per month to reduce the repayment burden Reduce about 50 percent. However, interest burden from 504 yuan to 1,004 yuan has also increased by 50 percent. If the comparison section 29 and 30, 29 repayment of loans to 54.73 yuan per month, 30 per month for the loan repayment 53.93 yuan, is the same one-year extension, only a month to reduce the burden Less than 1 yuan, about 1%. This shows that the long duration of the monthly repayment amount can not be significantly reduced, and simply add the interest burden. 30 of the interest burden is 9414.8 yuan, 29 of the interest burden was 9046.04 yuan, the interest burden increased nearly 400 yuan, about 4%. Therefore, a reasonable repayment period is 15 to 20 years.
Down payment, the fewer the more appropriate
Why » Since each person's accumulation of wealth not the same, the future income is expected not the same, so each person will choose to believe that the first phase of a reasonable amount. Pursuant to the provisions of the Central Bank, home loans does not exceed 80 per cent of house prices, that is to say, buyers must be prepared to over 20 percent down payments.
Experts suggest the best buyers can be applied to 70-80 percent of the mortgage, because to some extent, the more the better loans, the first phase of the less the better, of course, all this should be in control of the buyers The ability of the liabilities. The first phase of payments low, it means that during each phase of the contract payments, in particular the interest burden will be more, but buyers will have the extra funds to improve their quality of life and other investments. Other investment income because of a number of projects are higher than lending rates, so I chose to lower the down payment was good.
In addition, the Minsheng Bank launched a new loan, refinancing, and by, for press, these buyers are very convenient option. Among them, to change housing borrowers referred to as "refinancing" to extend the deadline or the original loan amount of additional loans referred to as "the increase", change the collateral referred to as "the other." If you purchase loans in the future, want to sell this house, you can turn on. Thus, if the less you down payment, you turn on, transfer the more the interest burden. If we buy a set of 3,000 yuan per square metre of the house, covering 100 square meters, 15 years of the mortgage (180), 70% mortgage and 80 percent, will produce different results. If you buy such a house, in five years you want to sell, they can carry out "refinancing", if you mortgage is 80%, 70% down payment mortgage less than 30,000 yuan, 15 to pay interest only 12,816 yuan . Moreover, you convert the mortgage, the interest burden on all security "transfer" to other buyers on. Most importantly, the down payment less Fangkuan 30,000 yuan, 15 more than the interest only to 12,816 yuan, investment in open-end fund on an annualized yield of 5 percent by conservative calculations, is 30000 × 5% × 15 = 22500 yuan, It also does not count for each year of the Fund's accumulated investment income, so earnings would be much higher.
On the other hand, because the current home loans at lower interest rates continue, then in such a preferential loan rates under the condition that the number of applications for loans to make every effort to apply, as long as you are not blindly pursue the more the better of the house, the interest Expenditure is not too much. If it can not afford to last, can also carry out "the increase," have nothing to worry about.
In addition, if you have a lot of money, substantial income, in addition to buying houses, you still have other more line of investment, may wish to choose the lowest possible first payment, since other aspects of the income will greatly reduce the burden of interest . In any case, in your debt capacity within the choice of the highest mortgage rate, the smallest of the first payment for the money to better health money, is the best move.
Loans 15 to 20 years time the most appropriate
A basic common sense, the longer the duration of the monthly loan repayment will be less, but the total amount will certainly increase. 100,000 yuan loans by 10, also about 1,090 yuan a month, the total repayment of about 13 million loan by 20, also about 690 yuan a month, the total repayment of about 166,000 yuan. Experts believe that the general term borrowings 15 to 20 years is enough, the ordinary people, after retirement to assume a higher repayment pressure, high risk. In addition, all commercial banks in the housing loan business of marketing, there will be some beneficial measures. Such as "non-designated event of the mortgage loan business," If people purchase their own implementation of the mortgage banks, without the need for Fang Chanshang provide any guarantee, in general, can enjoy the one-time payment Fang Chanshang price concessions.
The purpose of extending the repayment period is to reduce the monthly repayment amount, but whether or not the longer period Let us look at an example. To borrow 10,000 yuan as an example, if two years repaid, the monthly repayment 438 yuan, 504 yuan interest burden if repaid four years, the monthly repayment only 229 yuan, 209 yuan monthly repayment reduced, reduce the burden About 50 percent. However, interest burden from 504 yuan to 1,004 yuan has also increased by 50 percent. If the comparison section 29 and 30, 29 repayment of loans to 54.73 yuan per month, 30 per month for the loan repayment 53.93 yuan, is also extended for another year, less than a month to reduce the burden only one yuan , Around 1 percent. This shows that the long duration of the monthly repayment amount can not be significantly reduced, and simply add the interest burden. 30 of the interest burden is 9414.8 yuan, 29 of the interest burden was 9046.04 yuan, the interest burden increased nearly 400 yuan, about 4%. Therefore, a reasonable repayment period is 15 to 20 years.
The purpose of extending the repayment period is to reduce the monthly repayment amount, but whether or not the longer period Let us look at an example. To borrow 10,000 yuan as an example, if two years repaid, the monthly repayment 438 yuan, 504 yuan interest burden if repaid four years, the monthly repayment only 229 yuan, 209 yuan per month to reduce the repayment burden Reduce about 50 percent. However, interest burden from 504 yuan to 1,004 yuan has also increased by 50 percent. If the comparison section 29 and 30, 29 repayment of loans to 54.73 yuan per month, 30 per month for the loan repayment 53.93 yuan, is the same one-year extension, only a month to reduce the burden Less than 1 yuan, about 1%. This shows that the long duration of the monthly repayment amount can not be significantly reduced, and simply add the interest burden. 30 of the interest burden is 9414.8 yuan, 29 of the interest burden was 9046.04 yuan, the interest burden increased nearly 400 yuan, about 4%. Therefore, a reasonable repayment period is 15 to 20 years.
Down payment, the fewer the more appropriate
Why » Since each person's accumulation of wealth not the same, the future income is expected not the same, so each person will choose to believe that the first phase of a reasonable amount. Pursuant to the provisions of the Central Bank, home loans does not exceed 80 per cent of house prices, that is to say, buyers must be prepared to over 20 percent down payments.
Experts suggest the best buyers can be applied to 70-80 percent of the mortgage, because to some extent, the more the better loans, the first phase of the less the better, of course, all this should be in control of the buyers The ability of the liabilities. The first phase of payments low, it means that during each phase of the contract payments, in particular the interest burden will be more, but buyers will have the extra funds to improve their quality of life and other investments. Other investment income because of a number of projects are higher than lending rates, so I chose to lower the down payment was good.
In addition, the Minsheng Bank launched a new loan, refinancing, and by, for press, these buyers are very convenient option. Among them, to change housing borrowers referred to as "refinancing" to extend the deadline or the original loan amount of additional loans referred to as "the increase", change the collateral referred to as "the other." If you purchase loans in the future, want to sell this house, you can turn on. Thus, if the less you down payment, you turn on, transfer the more the interest burden. If we buy a set of 3,000 yuan per square metre of the house, covering 100 square meters, 15 years of the mortgage (180), 70% mortgage and 80 percent, will produce different results. If you buy such a house, in five years you want to sell, they can carry out "refinancing", if you mortgage is 80%, 70% down payment mortgage less than 30,000 yuan, 15 to pay interest only 12,816 yuan . Moreover, you convert the mortgage, the interest burden on all security "transfer" to other buyers on. Most importantly, the down payment less Fangkuan 30,000 yuan, 15 more than the interest only to 12,816 yuan, investment in open-end fund on an annualized yield of 5 percent by conservative calculations, is 30000 × 5% × 15 = 22500 yuan, It also does not count for each year of the Fund's accumulated investment income, so earnings would be much higher.
On the other hand, because the current home loans at lower interest rates continue, then in such a preferential loan rates under the condition that the number of applications for loans to make every effort to apply, as long as you are not blindly pursue the more the better of the house, the interest Expenditure is not too much. If it can not afford to last, can also carry out "the increase," have nothing to worry about.
In addition, if you have a lot of money, substantial income, in addition to buying houses, you still have other more line of investment, may wish to choose the lowest possible first payment, since other aspects of the income will greatly reduce the burden of interest . In any case, in your debt capacity within the choice of the highest mortgage rate, the smallest of the first payment for the money to better health money, is the best move.
Loans 15 to 20 years time the most appropriate
A basic common sense, the longer the duration of the monthly loan repayment will be less, but the total amount will certainly increase. 100,000 yuan loans by 10, also about 1,090 yuan a month, the total repayment of about 13 million loan by 20, also about 690 yuan a month, the total repayment of about 166,000 yuan. Experts believe that the general term borrowings 15 to 20 years is enough, the ordinary people, after retirement to assume a higher repayment pressure, high risk. In addition, all commercial banks in the housing loan business of marketing, there will be some beneficial measures. Such as "non-designated event of the mortgage loan business," If people purchase their own implementation of the mortgage banks, without the need for Fang Chanshang provide any guarantee, in general, can enjoy the one-time payment Fang Chanshang price concessions.
The purpose of extending the repayment period is to reduce the monthly repayment amount, but whether or not the longer period Let us look at an example. To borrow 10,000 yuan as an example, if two years repaid, the monthly repayment 438 yuan, 504 yuan interest burden if repaid four years, the monthly repayment only 229 yuan, 209 yuan monthly repayment reduced, reduce the burden About 50 percent. However, interest burden from 504 yuan to 1,004 yuan has also increased by 50 percent. If the comparison section 29 and 30, 29 repayment of loans to 54.73 yuan per month, 30 per month for the loan repayment 53.93 yuan, is also extended for another year, less than a month to reduce the burden only one yuan , Around 1 percent. This shows that the long duration of the monthly repayment amount can not be significantly reduced, and simply add the interest burden. 30 of the interest burden is 9414.8 yuan, 29 of the interest burden was 9046.04 yuan, the interest burden increased nearly 400 yuan, about 4%. Therefore, a reasonable repayment period is 15 to 20 years.
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