How the savings to repay the loan interest » What kind of real estate can apply for mortgage loans to individuals help industry »
Do not like the way how to make loans to repay loans million more than the amount of the difference » How can we enjoy the personal mortgage lending rate to achieve at least the interest payments » Would like to open companies, do little trading, real estate can do what kind of mortgage, find a bank to apply for the following amount of 3 million yuan of personal loans help industry »
Last Saturday, this newspaper and the Construction Bank Beijing Branch co-sponsored the "classroom of wealth", hundreds of readers rushed to classes, of which there are an even 34 at the same time, with a calculator, experts hope to personal loans operator T "Understand that account."
Construction Bank, two credit experts in the field, through two hours of lively and on the large number of cases resolved, so many readers and to the satisfaction.
■ four mortgage repayment methods "vary from person to person"
According to the Construction Bank Beijing Branch of housing finance and credit business on the Department of Wang Qiang, the bank has introduced a matching increase repayment, matching the repayment of principal and interest, matching the principal repayment, matching the four law also reduced the repayment Of the way for the lender choice.
"Loan principal and interest, is that people past the most commonly used method, the amount per month as many; matching the principal Act, it is also the principal of the same month, this is the total amount to little more than month by month from ; Matching decrease (increase), is based on the wishes of their customers, the repayment after the first multi-Huanqian less (or more after the first few Huanqian repayment).
As for the loan repayment should be the choice of methods, vary from person to person. Generally speaking, steady income growth or the expected buyers for matching the repayment of such loans throughout the repayment period of pressure remains unchanged, while the existing balance of more or much higher than the day-to-day income to pay the debt purchase Housing, suitable for the repayment reduced, so the entire period of the loan interest loans would be less.
Of course, for some of the larger changes in income home buyers, the experts proposed combination of the two phases can repay, can reach a reasonable repayment deal with pressure, and some modest savings loan interest.
■ can change the way for thousands of interest
"Since the bank launched after four of the repayment, many people request a change in loan repayment methods."
Wang Qiang said, he would have to change a days through the procedures so that the customers in the same period of the loan period, the savings on interest million.
Wang Qiang, said Mr Lee was in October 2001 in the bank for the 15-year, 400,000 commercial loans. If has been the "matching" to the repayment, the monthly repayment! 3171.52 yuan, 15 million were also of interest 17.08724.
Now, Mr. Lee has used the "matching" is also a two-year loan, the remaining principal is 36.242009 million, to an average of the remaining 13 per month for principal of 2323.21 yuan, coupled with the interest repayment change! After the way the first month, the repayment 3845.37 yuan, 10 yuan a month and then about the money decline, last month required repayment 2332.29 yuan, the total interest to 15.802624 million, than has been in accordance with the "matching" to save Interest on more than 12,000 yuan.
■ Second Suite mortgage policy for attention
First half of this year, the People's Bank of China abolished the individual housing loans in the rate of preferential policies, then the banks have also introduced the "first set of housing for more than five years mortgage rates enjoy preferential interest rate 5.508 percent, the second five-year housing More mortgage rates
To 6.12 percent "policy.
Wang Qiang, also emphasized that the difference between the secondary and Yi Shoufang, causing bank loans at different risk, therefore, on the banks of the Yi Shoufang and the secondary mortgage policy is discriminatory.
And in the second set for second-hand housing mortgage loans, the bank's more restrictive policies.
Applications for personal loans must meet the six conditions: (1) have a legal status; (2) have a stable income, good credit, the ability to repay the loan principal and interest, (3) a legitimate and effective purchase, overhaul of housing Contracts, agreements and loans to other requests for documents, (4) to purchase (overhaul) the price of housing over 20 percent of all the self-financing and guarantees for the payment of the purchase (overhaul) the first payment of housing; ( 5) approved loans to the mortgage or pledge assets, or (and) there is sufficient compensatory ability of legal persons, other economic organizations or individuals as a guarantor, (6) Bank loans under other conditions.
Do not like the way how to make loans to repay loans million more than the amount of the difference » How can we enjoy the personal mortgage lending rate to achieve at least the interest payments » Would like to open companies, do little trading, real estate can do what kind of mortgage, find a bank to apply for the following amount of 3 million yuan of personal loans help industry »
Last Saturday, this newspaper and the Construction Bank Beijing Branch co-sponsored the "classroom of wealth", hundreds of readers rushed to classes, of which there are an even 34 at the same time, with a calculator, experts hope to personal loans operator T "Understand that account."
Construction Bank, two credit experts in the field, through two hours of lively and on the large number of cases resolved, so many readers and to the satisfaction.
■ four mortgage repayment methods "vary from person to person"
According to the Construction Bank Beijing Branch of housing finance and credit business on the Department of Wang Qiang, the bank has introduced a matching increase repayment, matching the repayment of principal and interest, matching the principal repayment, matching the four law also reduced the repayment Of the way for the lender choice.
"Loan principal and interest, is that people past the most commonly used method, the amount per month as many; matching the principal Act, it is also the principal of the same month, this is the total amount to little more than month by month from ; Matching decrease (increase), is based on the wishes of their customers, the repayment after the first multi-Huanqian less (or more after the first few Huanqian repayment).
As for the loan repayment should be the choice of methods, vary from person to person. Generally speaking, steady income growth or the expected buyers for matching the repayment of such loans throughout the repayment period of pressure remains unchanged, while the existing balance of more or much higher than the day-to-day income to pay the debt purchase Housing, suitable for the repayment reduced, so the entire period of the loan interest loans would be less.
Of course, for some of the larger changes in income home buyers, the experts proposed combination of the two phases can repay, can reach a reasonable repayment deal with pressure, and some modest savings loan interest.
■ can change the way for thousands of interest
"Since the bank launched after four of the repayment, many people request a change in loan repayment methods."
Wang Qiang said, he would have to change a days through the procedures so that the customers in the same period of the loan period, the savings on interest million.
Wang Qiang, said Mr Lee was in October 2001 in the bank for the 15-year, 400,000 commercial loans. If has been the "matching" to the repayment, the monthly repayment! 3171.52 yuan, 15 million were also of interest 17.08724.
Now, Mr. Lee has used the "matching" is also a two-year loan, the remaining principal is 36.242009 million, to an average of the remaining 13 per month for principal of 2323.21 yuan, coupled with the interest repayment change! After the way the first month, the repayment 3845.37 yuan, 10 yuan a month and then about the money decline, last month required repayment 2332.29 yuan, the total interest to 15.802624 million, than has been in accordance with the "matching" to save Interest on more than 12,000 yuan.
■ Second Suite mortgage policy for attention
First half of this year, the People's Bank of China abolished the individual housing loans in the rate of preferential policies, then the banks have also introduced the "first set of housing for more than five years mortgage rates enjoy preferential interest rate 5.508 percent, the second five-year housing More mortgage rates
To 6.12 percent "policy.
Wang Qiang, also emphasized that the difference between the secondary and Yi Shoufang, causing bank loans at different risk, therefore, on the banks of the Yi Shoufang and the secondary mortgage policy is discriminatory.
And in the second set for second-hand housing mortgage loans, the bank's more restrictive policies.
Applications for personal loans must meet the six conditions: (1) have a legal status; (2) have a stable income, good credit, the ability to repay the loan principal and interest, (3) a legitimate and effective purchase, overhaul of housing Contracts, agreements and loans to other requests for documents, (4) to purchase (overhaul) the price of housing over 20 percent of all the self-financing and guarantees for the payment of the purchase (overhaul) the first payment of housing; ( 5) approved loans to the mortgage or pledge assets, or (and) there is sufficient compensatory ability of legal persons, other economic organizations or individuals as a guarantor, (6) Bank loans under other conditions.
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