8(key), housing consumption credit

(1), forms: housing provident fund loans, commercial individual housing loans, individual housing loan portfolio;

(2), housing provident fund loans

Definition: A, P53 materials for sources of funds, housing provident fund payment of object - paid workers housing provident fund, the purchase of housing: housing, affordable housing, private housing, to raise funds to build housing, a total of housing, also moved to rebuild the housing provident fund loans and so on; scope of use are: rehabilitation, overhaul owner occupied housing.

B, the term of the loan: the length of not more than 30 years, China bank and age restrictions: the borrower should be less than 65 years old;

C, interest rates: the use of provident fund loan interest rates than commercial loans, low.

2007 September: a period of 5 years (including 5 years) the provident fund lending rate: 4. 77%; more than 5 years 5. 22%

D, housing provident fund loans: collateral, collateral to purchase comprehensive insurance, pledge, joint liability guaranteeSee materials:P54---55

E, provident fund loan amount stipulated by the housing provident fund management centres around;

F, a high degree of flexibility of repayment

G, the provident fund for housing information need:P55-56

For example: P56

Schedule: personal housing accumulation fund loan spreadsheet

 

(3), commercial individual housing loans

Commonly known as: Mortgage

A, the term '30 years, the proportion of 70%:', other data: P57

B, rates: General for the corresponding grade benchmark interest rate 0. 85 times, or 0. 9 times

C, second-hand housing: Housing: 70% lines, less than 30 years, age less than 20 years; commercial words: Housing transactions or evaluation (whichever is lowest) 50% amount, time of less than 10 years, age less than 15 years.

Housing rate: 0. 85 times over the same period the bank interest rates, commercial no downward float qualification

D, personal commercial loans: amount: \ '60%,' 10 year period, the interest rate, the interest rates banks level

Various ways owing on the loan banks launched: see textP62-64

(4), individual housing loan portfolio

The combination of housing provident fund loans and commercial loans

See materials P65

9, the repayment and the repayment amount

(1), matching interest repayment law

Monthly in the loan period, the average is equal to the amount of principal and interest of the loan way. The most common way

Formula: = (monthly repayment of loan principal x rate X (1+ rates) ^ the repayment period) / (( 1+ monthly interest repayment period) ^ ---1))

Suitable crowd: the relatively stable income family

The method for analysis of financial planning in the future

(2), matching principal repayment law

Is in the loan period, monthly repayment of the loan principal and interest, the monthly repayment of principal

Formula: the monthly repayment of the loan principal repayment period = / + (the loan principal - has also the principal) * monthly interest

For the crowd: the higher income, but the future is expected to reduce, such as fast retirement

(3), matching incremental repayment law: with a fixed amount increasing, suitable for the general income, but the future expected income increased population; if the unmarried young people.

(4), matching reduced repayment method: as a fixed amount increasing, suitable for the repayment ability, such as middle-aged or single white-collar;

(5), incremental repayment law: with a fixed proportion;

(6), geometric repayment law: with a fixed percentage

10, advance owing on the loan situation

The right to choose in advance owing on the Loan Borrower Lender: must be agreed, the majority of banks are using the default attitude, or strict loan conditions. So I suggest do not advance owing on the loan.

The specific method see the textbook:P70 - 71

11, the extension of the loan

20 days in advance to apply, can only delay a - the original loan period with the extension of time and not more than 30 years

12, housing choice

(1), for the crowd: just stepped into the society, work and life is not determined, savings, buy a house not much do not need it and can't distinguish price trends

(2), the difference between the purchase and rental management is: the annual cost method, net present value method

Case analysis:P87---92

(two), automotive consumer spending plan

1, the automobile consumption is a kind of luxury consumption; that should be carried out in a very free financial conditions;

2, the current domestic car consumption direction: private (household) car, car, car rental group;

3, purchase a car consumption expenditure of funds sources: self, loan

4, the automobile consumption credit

A, the personal consumption credit follow: part of the self, the effective guarantee, dedicated, repay

B, the loan object:

C, the term of the loan, the interest rate, the amount of

Time limit: 3---5; margin: according to the people's bank interest rates over the same period; the amount banks to provide: a

E, repayment methods: P96-98 material

F, loan purchase a car costs case: P98 material form

(three), consumer durables credit expenditure planning

For details see materialsP104--108

 

 

 

Attached: exam examination questions

1, Li had to work for a year. A preliminary plan to get married next September, and decided to buy a house before marriage. According to the level of his income, he is going to buy a Yishiyiting large-sized apartment housing, but Li no longer working hours, a monthly income of 3000 yuan. If the mortgage is overweight will affect their daily lives, but Li estimated that there will be good prospects for the development of occupation. Xiao Li is more suitable for using (C Repayment).

(A) matching principal  (B) matching service

(C) matching incremental  (D) matching reduced

Case two: Mr. Feng year income is 120000 yuan, if the income in five years unchanged, the annual savings ratio is 40%, total investment. Five years later, estimates Mr. Feng's annual income reached 150000 yuan, savings rate constant. At present there is a deposit of 50000 yuan to buy a house, after 5 years. Suppose Mr Fung investment return rate is 8%. Mr. Feng ready to buy a house loan for 25 years, mortgage interest rates for the 6% hypothesis.

According to case two, please answer the 76 ~ 83.

2, if Mr. Feng makes the investment in existing bank deposit 50000 yuan, the investment return rate of 8%, then in his plans to buy a house, the money amount to ( ).

(A) 58700 (B) 86600 yuan

(C) 73500 (D) 83400 yuan

Analysis: F=P* (1+I) ^N=5* (1+0.08) ^5=

3, Mr. Feng can afford the down payment for the ().

(A) 355100 (B) 376600 yuan

(C) 273400 (D) 283400 yuan

4, if Mr. Feng maximum monthly income 40% used to repay the loan, then Mr. Feng affordable loans ( ).

(A) 796400 (B) 767000 yuan

(C) 687000 (D) 657200 yuan

The housing price of 5, Mr. Feng can afford (to).

(A) 1151500 (B) 960400 yuan

(C) 1012300 (D) 1122100 yuan

6, housing loans accounted for the ratio of the total price as ().

(A) 73% (B) 70%

(C) 60% (D) 68%

7, according to experience, Shoufu ratio should be higher than the (B).

(A) 10% (B) 20%

(C) 50% (D) 60%

8, in accordance with the relevant provisions of the purchase of housing, Mr. Feng in the purchase contract signed with the developers need to pay the stamp tax ( ).

(A) loans 0.03% (B) 0.003% of the total loan

(C) 0.03% (D) of the total housing housing a total of 0.003%

9, in accordance with the relevant provisions of the purchase of housing, Mr. Feng in the loan contract signed with the bank to pay the stamp tax ( ).

(A) loans 0.05% (B) 0.005% of the total loan

(C) 0.05% (D) of the total housing housing a total of 0.005%

Materials: Mr. Liu, a foreign staff. In 2005 September, Mr. Liu bought a house in a high-grade residential, housing price 1200000 yuan, 700000 yuan loan. Mr. Liu heard matching the blonde also less interest, decided to repayment in accordance with the matching principal, loan to 5 years, the monthly repayment, the loan interest rate for fixed interest rate 6.84%.

Answer 17 questions based on the data of 23

10, Mr. Liu each month are also the principal offside ()

A3889  B6229  C289    D422

11, Mr. Liu in the first month also Rio for ()

A3690  B3790   C3890  D3990

12, Mr. Liu second months are also of interest about ()

A3690  B3790   C 3968    D 7850

And 20, Mr Liu first year interest as ()

A26417.02   B 36417   C46416     D56417

13, Mr. Liu if all money paid in accordance with this method, the total of the interest of about ( )

A361095    B461095    C561095   D661095

22, Mr. Liu is the matching principal repayment law and matching interest repayment method are compared, such as the matching principal law to pay back the loan, the monthly repayment of loans (need about )

A3889     B6229  C289      D 422

14, if Mr. Liu by matching interest will be all the money paid, to repay about ( ) interest.

A361095    B421283    C 561095      D661095

Case two: Ms. Lee perspective, a few years ago saw the rising trend of house prices, and in 2003 January in a seaside city purchase ordinary housing families second sets for investment. Ms. Lee bought in the housing and the rental, monthly will be rent. Purchase 1629 total 600000 yuan. Ms. Li from bank loans, the return of the two city. Take the matching interest repayment law in the process of lending, to pay off 20 years (assuming the loan interest rate is fixed at 6%). Ms. Li in the repayment of four years after the housing resale, the China Sea city prices rose faster, the price of 900000 yuan. Ms. Li energy expensive.

According to case two answer 81~88 questions (calculated retention to whole number).

Ms. Li, 15, the monthly repayment amount ( ).

The A3439 element      The B2345 element    The C 3193 element     The D2531 element

Ms. Li, 16, in the first month interest offside ().

The A2700 element      The B2100 element        The 1C200 element       The D2400 element

17, in 2007 January, just four years after the purchase, Ms. Lee would like to advance repayment, the repayment is Ms. Li in four years and (The principal didn't also).

The A108865 element      The B423799 element       The C56200 element        The D47418 element

18, Ms. Lee in the four years. (Interest.

The A108865 element       The B 423799 element       The C56200 element       The D47418 element

19, if Ms. Li four years after the property to the sale price of 900000 yuan, according to the provisions of the State shall be paid by the business tax for ().      

The A45000 element       The B27000 element         The C9000 element         The D20000 element

20, Ms. Lee to transfer 900000 yuan housing, signed housing contracts of sale and the buyer, stamp duty should pay for ()

The A270 element        The B 450 element          The C 900 element          The D1000 element