September 26th, 2010 | 
Author: Classic Case:
Because this year bought a house, and carried a debt, so please help to see how financial expert is better able to credit I finished earlier also relatively stable life and safety. I Born in 1978, the monthly income of 4,500 yuan, insurance and provident fund and the company I pay half of the monthly total of 800 yuan, 100% reimbursement of medical expenses, there are 40,000 yuan of housing provident fund, savings are for 1 year The 6.8 million U.S. dollars as foreign currency financial half year 1000, there was 20,000 yuan bonds. Because this year to buy a house, so from the loan this year to 30,000 yuan a year, to pay 30 years. 1 year I am going to get married, and now spending a month in 1,500 yuan. Can I use the loan in 15 years, also finished as soon as possible? Please master guiding.
Experts suggest
First, according to their actual needs for a reasonable income and spending plans. Savings, develop good habits in terms of young people for a mortgage is very important. Who should control the monthly cost of 1,000 yuan. Sometimes, saving is also an effective way of managing money.
Second, form a good investment sense, because only investment is the best way to add value. The source of existing deposits 68,000 yuan, 1,000 U.S. dollars of foreign currency financial half year and 2 million in debt investments. From the above data, it has a certain sense of investment, suggests that when the time deposits 68,000 yuan after the expiration of the deposit to the bank or insurance company for the investment of RMB financing products, while the specific financial products to the Big banks and insurance companies advice. The rate of return financial products generally higher than bank savings deposit interest rates over the same period, and the risk is very low, and cash and demand deposits is almost as easy. Meanwhile, in varieties can also be more investment choices treasury bonds, corporate bonds, funds and other low-risk financial products, the risk of relying on the premise of controlling access to a stable income.
Third, the use of its housing funds deposited to repay the loan, can greatly reduce financial pressure. There are two common methods currently repayment, that is one-time payment method and the monthly repayment method. Because the person is 15 years to pay off bank loans early, it is proposed to take a one-time repayment of their law. Who own the first deposit of 40,000 yuan fund as part of the first prepayment, then the housing provident fund paid into by each of the balance of investment income, the sum of monthly income for the balance part of the next year prepayment . Continue to 2500 yuan per month to repay the loan amount. With the increase in the number of such repayment, you can settle all the loans ahead of schedule.
Fourth, the full use of family resources, a common financial double insurance. Because the person is expected to marry within 1 year, not only in financial terms more than a helper, but also increase the part of the source of income. They can be part of the daily wage income retained for emergency expenses. The rest can be used for investment, but also prepayment. This early repayment to the task more easily achieved.
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