Mortgages "switch" small inventory "mortgage characteristics," a look at Gegou

The same name to the mortgage

The so-called "mortgage to the same name" is corrected during a housing mortgage borrowers, in order to increase (decrease) in loans or extend the (shortened) loan period by prepayments or security companies, and other means of security, housing mortgage from a bank to To another bank. Apart from foreign banks at present, almost all banks have introduced the interbank to mortgage business, Xiamen to the mortgage market demand is increasing, some banks also carried out an assessment of security, mortgage insurance costs relief incentives.

"Mortgage the same name to the" daily life in a large amount of financing and financial management needs of individual borrowers, very flexible. As property value has been achieved, therefore, adopted "the same name to the mortgage" can be credited to the bank to more amount of money, discretionary funds. Members of the public can use mortgage "switch" approach to Panhuo real estate loan funds, increase their financing of space.

With loan-to-force housing

Xiamen, the ICBC launched the "housing loan-to-edge with the" service, allowing parents and children as a co-borrower, parents can increase their children for the common borrowers, the loans extended period; children can also increase the parents to co-borrower, to apply for more The loans, or loans to reduce the shared burden of loans. This loan can be a long period can be short, high loan amount can also be low, and greatly reduce the pressure on the loan, have more time to choose whether or not prepayments.

According to reports, individual housing loans for a maximum period of 30 years, the bank also provides for the "loan applicants loans + years of age," not more than 65. Projected out, young people buy a house for a longer period of Mortgages not be a problem, but at a certain age who buy loans on relatively trouble.

The "housing with the loan-to-edge", individual housing loan borrowers are the common spouse or parent and child, income and liabilities of the borrower can be considered the main applicant and the applicant's common; loan period may be the main applicant and common Applicants determine the age of one of the parties, namely the "Lord of the applicant or co-applicant loans + years of age ≤ 65 years" to determine the maximum loan period.

For example, both spouses is a 42-year-old, a 35-year-old, you can determine the age of 35 for the base lending the longest period. If a 55-year-old who applied for loans, according to the original provisions of the largest loan-to-10, the words "with the housing loan-to-edge" soon, it could拉上28-year-old sons and daughters of common mortgage applications, the base for the 28-year-old can determine the most Long loan period, the longest period of up to 30 loans.

Loan-to-deposit -

Xiamen Construction Bank last year introduced the "pleased to be home"-value-added loan-to-deposit accounts, loans, the loans will account for Daikou set to "loan-to-deposit-" value-added accounts, deposit accounts more than 3 million, the bank automatically Will be a certain proportion of them do not receive their deposits in the circumstances as the loan prepayments, interest payments, the actual decrease in customer needs funds, also can extract value-added-loan-to-deposit accounts of some or all of deposits, flexible Convenience.

"Loan-to-deposit specialists" could reduce the actual interest payments on loans, deposit accounts to increase revenue:-value-added loan-to-deposit account balance of deposits more than 3 million, automatically be considered as part of prepayments will not need to pay interest on loans, the number of Days, counting the number of days. At the end of each month, the bank will return in the form of value-added revenue as prepayments by the savings in interest.

As also by the

China Merchants Bank's mortgage products are introduced in interest rates, homes, the automatic approval, instantaneous and paperless procedures for receiving five major selling point. In addition, "also with the use of" breaking the domestic banks the traditional "face-to-face," counters business model, the use of Internet banking and telephone banking systems, financial loans in the whole area of self-help.

Apart from the "would like to take on the name of", the repayment is also peace of mind - a telephone, point of the mouse, or simply set up a special debit account, "automatic early repayment" can help you automatically repayment. As long as inflation on the money, can repay at any time, the province will be able to immediately income. For Fortnight also, Zhou Zhou also, or even every day also, "also with the" variety of functions, can achieve so that the lending rate demand deposits equivalent to the enjoyment of the fiscal revenue, not only save interest payments, but also to idle capital flows , To mortgage family financial management.

In addition, once opened, "also with the use of" business, customers can limit the repeated use of credit.

Fixed-rate mortgage

Xiamen, China Everbright Bank, China Merchants Bank launched the "fixed-rate mortgage," in the loan contract signed when setting up a fixed interest rate, the loan contract period, regardless of how changes in market interest rates, borrowers have to pay a fixed rate of interest, not Needs "Suixingjiushi."

Bank financial management division said, "fixed mortgage rates" more suitable for those expenditures for the future of a precise plan, or the future changes in interest rates has a clear judgement of investors. Such investors can lock in loans during the full cost, accurate calculation of their financial expenditure.