September 27th, 2010 | 
Author: Now more and more people purchase home, one-time pay the housing fund for the small number of people who, after all, most people are loans to buy a house. Loans to buy a house is a family a great long-term investment, how to repay loans were more economical, more reasonable, it is luxurious.
Assessment of borrowing capacity
Should first purchase their ability to conduct a comprehensive self-assessment before making a decision. How to assess it?
First of all, to see whether they have the purchase price of not less than 30% down payment, because the vast majority of real estate agency has asked the hard thick stick; Second, we must fully assess their monthly housing loan repayment of principal and interest will bear, namely: Monthly family income mainly refers to wages and other financial assets and strong cash monthly Bixu expense represents the Richangshenghuo necessary expenses and Beiyong funding gap Shipi than Zhufangdaikuan repayment of loans required monthly principal and interest.
Consumer preferably before the loan to the lending bank to ask about loan programs, such as a bank’s real estate loan department of housing loans in accordance with its long-term business experience and specialized surveys designed for consumers, “monthly family income and individual housing business loans to cross-reference table “that allows you generally have in mind the number. Recently, some banks new “zero down payment” mortgage loans, for those who have not had enough to purchase 30% down payment is good news for families, but also a corresponding increase in loans to households with a monthly repayment amount.
Skillfully selected loan types
The current loan types There are “individual housing provident fund loans,” “commercial individual housing loans,” “Personal loans for home improvements,” three categories. Loan interest rates from the point of view, “individual housing provident fund loans,” the prime interest rate, 1-5-year annualized 4.14% 4.59% 6-30 years; “commercial individual housing loans,” followed by 1-5-year interest rate 5.31% 5.58% 6-30 years; “personal home renovation loan,” the highest interest rates, a 2-year 5.85% 5.94% 3-year 4-5-year 6.03%.
Provident fund loans with low interest rates, reduction in processing fees related to loans, home loans of all members of the Provident Fund amount of such benefits can be combined, so long as they are timely and full payment of provident fund of employees, should be the first to apply himself can be the greatest amount for a maximum period of provident fund loans. But not paid into the fund due to missed for “personal housing accumulation fund loan” of individuals, can be purchased homes as collateral, or to have sufficient capacity to compensate the units and individuals for security, to the banks for “commercial individual housing loans” . Residents of the occupied housing in case of lack of funds for renovation, may apply to the bank “housing renovation loans”, must provide proof on income and property of the lending bank approved mortgage, pledge or third-party guarantor, the loan maximum of 5 years, the loan The maximum amount of 100,000 yuan.
As prepayment
On the one hand, many households had credit loans, due to lack confidence about their own future in the end to how much money, so often have “a little more credit, loans of longer,” the conservative ideology, a few years later, unexpectedly, as incomes repayment capacity has been a large growth enhancement; on the other hand, after all, to pay interest on loans, such as by “the principal and interest repayment method equal” basis, provident fund loans 100,000 yuan, the loan period of 20 years would require a total payment of interest on 53,000 yuan, Commercial banks personal housing loans 100,000 yuan, the loan would require a total of 30 years to pay interest 106,200 yuan, the amount of interest actually accounted for 53% of the loan principal and 106.2%, very impressive. Therefore, the capability to help pay off the loan ahead of time should pay off as soon as possible.
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