[reproduced] buy a house loan skills, 1 minutes for you to save 200000 yuan!!

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  • / Author: Aaron Lewis

Buy a house, bank mortgage loans, found that there is also a lot of knowledge, some a little attention, is tens of thousands of gap. For the working class to buy a house, must pay attention to these questions! This is perhaps the many friends do not pay attention to. Thought the house prices is a major event, the loan by the developers to help handle. In fact, there is money, more than the price of the sinister!

One, the loan interest rate discount
The second half of 2008, the state in order to support the development of real estate, a lot of preferential policies, one of which is the loan interest rate discount. In general we purchase is the 3 into a down payment, loan is 7. According to the provisions of the state, the minimum lending rate hit 30 percent off. This is a concept of what? A house around 300000, Shoufu 100000, the bank loan is about 200000. How much is the interest? Tell you, according to the new national interest rates down, to 20 years as the standard, the interest of about 120000 (Yin Hangcai is money!!!!!!). It is divided into 10 points, each of the ninety percent off is 10000 more than 2000 yuan. Equivalent to an ordinary family a year of living expenses. You can discount, definitely is more better. But unfortunately, this year the state to suppress prices, control of bank loans. At present, the minimum Shoufu 3 into the loan interest rate is 20 percent off, can reduce the 2W yuan, is also very impressive. (post ICBC has become 10 percent off, means that you have to be a bank to earn 10000 more than 2 interest, if the count, with a 80 square house your price was stand high 150 yuan / square). So, in this period of time, you buy a house, the loan decision, must be fast, said after the ninety percent off are not likely to play, so if you buy a house less than the others 100 yuan / flat, but bank loans count down, you also expensive 50 yuan / flat, in fact this is not worthwhile!
Now, different regions, different banks, this policy is still different, buy a house in the new policy as a standard, but be sure to check the details! feel good friends reprint, useful! (suitable for friends and family to buy a house)

Two, choose the way of repayment
Many may not buy a house, do not know also bank loans and the way to choose. In fact, I was in the house when listening to the sales girl said, she was very vague at that time, I think there must be a bit tricky, will go online to check the data (no way, family condition is finite, can save a little on the province point). A few days ago to do the bank loans, the repayment, also write down for your reference!

1, matching interest repayment. In fact, when you look at the house, the sales ladies give you all this, because the fixed monthly repayment amount, but also relative to another way, this amount is smaller, easier to buy a house to accept. But you know the true repayment situation this is what kind of? Loans to 20 years, loans 200000 yuan, 1300 yuan is down month repayment for example: every month the bank 1300------, 800 yuan interest, 500 yuan is the principal. That is to say, you have money, mostly bank interest, and the principal has less. When the repayment period of half (such as 20 years, you have had for 10 years), the interest has been in the 10 years before almost, but your principal and most didn't also, these must be also, even 10 years after you much better conditions, can also advance, but behind the basic principal, interest is very few, you ahead of time also has no what meaning. You have in the bank, can only tell you this one, because of this, the bank to maximize benefit will. Most of the families, since the loan for 20 years, might not be in a few years back, but 10 years later can also end, so, the interest income of bank will reduce a lot, so in this way, they let you 10 years ago are still of interest and principal, basic didn't reduce. If you have money, then also, bank interest income of most of the early, you also not what losses for banks.

2, matching the principal repayment. I found a problem, that is, the bank will not take the initiative to put forward the way of repayment. The basic only said a. Okay I know before, puts forward to want to have matching principal mode. This is the 20 year loans, loans 200000 yuan, 1600 yuan is down month repayment for example: monthly money than matching principal, more than 300 yuan. The -------900 element is a principal, 700 yuan is the interest, capital expenditures than high interest, began second months, only 1597 yuan last month, because the principal for 900 yuan, the monthly interest re calculation, less than 3 yuan of interest, and so on. The more behind the repayment pressure smaller. But the most important thing is: when you want to early repayment, such as 5 years, because of the way you choose, the principal has more, when the principal has been relatively on a way to reduce the number of, the principal part of the early repayment of the offset more, this time to calculate interest is much less interest expense (less each year are nearly million of interest). But even if not advance further, this way, also 20 years, are less 10000 about 5 interest! Just pre pressure! But in the long-term interest of the!

One episode: I went to the bank loan signing a few days ago, the 7-8 family, is the house purchase loans, we ranked second, in front of the woman, 5 minutes to leave a signature (signature matching service), we watched, bank clerk about repayment. It's our turn, we propose to use matching principal, also, that person will bring us to the president room, calling ourselves to specific reimbursement two ways (afterwards just know is deliberately we isolate). And then he was gone. After 10 minutes, my girlfriend and I discuss the good, still stick to their choice of matching the principal. We walked back to the clerk, he has to help other people with, we see on the side, all signed matching. Then it's our turn, we propose or principal repayment. This time, the next person to ask us, "there are other ways of repayment?" Interrupted us immediately the clerk, said that because of our conditions are good points, have the ability to have more points, the pressure is bigger. I understood that he meant that we don't say, we have a few signed away - view of the bank is not willing to let us choose this way, because the banks earn a lot of interest. You want a man to save 2-3 million interest, 10 person is 20-30 million, 100 people? I couldn't imagine!!!

As we this general class of people, buying a house is a big thing. So, as much as possible to consider, not only bought the house in time to kill the price, after signing of the contract, must be in bank loans this aspect research. In fact, count, bank loans, you allocate, can save 2-3 million interest spending even more. Converted into prices, is less 300-400 yuan / ping!