Ten problems about the loan to buy a house (three)

1, what is the matching principal? What is matching interest? Loans have distinction?
Matching principal:
1, the principal concept: average each month, while paid on a repayment date to the repayment of interest between the principal and interest, more pre payment, the repayment burden decreasing month by month.
2, advantages: (1) the overall interest expenditure is low; (2) the monthly repayment or quarterly repayment
Disadvantages: 3, early repayment burden is heavy, especially the first repayment pressure will be great.
4, applicable to the crowd: higher income people, such as corporate executives, Jinling, returnees, etc.
Matching service
1, the concept of total: total principal and interest mortgage loans are added, and then the average each month and the repayment period, the borrower to the bank each month fixed amount, but the monthly repayment of principal proportion increased month by month, the proportion of reduced monthly interest.
2, advantages: (1) the monthly repayment of principal proportion increased month by month; (2) the proportion of reduced monthly interest;
Disadvantages: (1) 3, early repayment of bank funds by more; (2) the monthly repayment of principal proportion increased month by month.
4, applicable to the crowd: a stable income, state enterprises, institutions staff etc.
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2, the provident fund for housing card use how long?
First, the housing accumulation fund can not personally handled. Because, housing provident fund is a unified storage, the use of special long-term housing funds, must be composed of two employees and their units outstanding, all belong to the individual.
Second, it is understood, 2008 of the housing provident fund enquiries cards have been issued. Under normal circumstances, as long as the borrower housing provident fund subscribers for more than 12 months, the provident fund management center can be issued to borrowers provident fund enquiries cards to query and use.
Third, if the borrower is not card you can query the balance, the Ministry of personnel only need to your unit inquiry, because there is no card in the housing provident fund management center can not query to your balance. Or, you can according to their own provident fund payment period to calculate the balance will probably how many? Formula: you pay the provident fund base (generally in wages shall prevail) * housing provident fund deposit ratio 12% (if it is previously paid there may be 8%, maximum 12%)
And then multiplied by 2 times (i.e., for that part of the provident fund you pay) is the pay you monthly housing provident fund amount.

3, how to conduct effective loan
You can achieve both fast financing and save interest. Through the "first ceremony after the loan" mode. The so-called "first party after the loan" as the name suggests is the first after pawn loans, particularly the pawn and loan combination to achieve synchronization. Specific procedures for the:

First of all, to establish your personal credit qualification, the former Bank of audit work to guarantee the premise to be able to apply to the mortgage consumer loans, can only "the first party after the loan" business.
Secondly, commissioned by the pawn behavior you name the mortgaged property assessment, however, according to the market and your personal credit, pawn to lending to the money you need, then quickly the loan, slowly from three to five days will be able to get the money. Of course, in the meantime, you also need to pay a mortgage interest. Suppose you want to borrow 1000000, borrow for a period of one and a half months, calculated in accordance with the interest pawning the minimum monthly 3%, you should repay the loan also need a month to pay extra to pawn 30000 yuan of interest, the other half month daily interest calculation.
Third, your mortgage loan business in the pawn business at the same time, in your personal credit quality is better in the case of bank credit, loans, according to the speed, about a month and a half time bank loans down, then, you can use the money to pay off the loan of pawn loans, but also to achieve remission the shortage of funds in order to.
　　
The first pawn loans it seems bold, but not as eager to spend money good method. Although the pawning the month earns higher interest, but if can rapidly relieve you now funds difficult situation, bring more benefits for you, not the best of both worlds.

"After the first code -" although can solve the borrower as pressing danger, but there are also part of the risk, for example, once the borrower use pawn bank loans and approval is not down, so high interest each month will "collapse" the borrower. So the use of such business must have third party witness, such as "WIK Ansett" loan service guarantee institutions can help the early submitted to the bank borrower credit quality, in ensuring the premise for approving the loan borrowers can only recommend this business to borrowers, or borrowers will be a great risk.
In addition, the qualification of credit good loan service agencies can bring high quality service for the borrower, such as "WIK Ansett" formal loan services with customers in signing, from assessment to begin, every link will be responsible for urging and tracking, until the end of the loan transaction, very careful and thoughtful.
In addition, as a loan service agencies, will be involved in trading of loan customers and non transactional loan customers in the transaction process, so each loan field knowledge to grasp. Especially in the provision of services for the individual real estate financing, provide commercial loans, provident fund loans for property rights trading users, a service professionals to help mortgage through their grasp of the real estate, financial knowledge to solve the loan.

4, in urgent need of low interest loans, who knows where?
"WIK Ansett" professional mortgage consultant thinks, there are two ways to solve according to your situation.
The first way: if you buy all of the housing, the housing mortgage loans to banks to decoration and. "WIK Ansett" professional mortgage consultant pointed out, the borrower can buy a house mortgage, but also can be used for decoration, buy a car, go abroad, study abroad, travel, as long as the borrower to provide relevant contract or invoice. The current benchmark interest rate mortgage loan application is 7.74%, good credit qualification can apply for preferential interest rates downward float of 15% is 6.579%
In second ways: if you want to extract the provident fund for housing renovation, so the need to advance the corresponding renovation contracts to extract. According to the provisions of the housing provident fund policy, the borrower must self occupied housing such as the need to rebuild or repair, need the approval of planning management, land management departments files will be extracted housing provident fund in accordance with the provisions of. Need to pay attention to is necessarily overhaul in order to meet the requirements of ordinary from the housing accumulation fund, the family decoration also cannot extract. At present, the provident fund interest rate of five years of implementation of the new interest rate 5.13%, five years of implementation of the new interest rate 4.59%.

5, a car can be a loan 
A car can make loans. Under the provisions of the city are not the same, the Beijing region, the Borrower Loans, commercial banks generally acceptable to the property mortgaged loan to buy a car, in the form of loan interest rate of 7.74%, credit better can enjoy preferential interest rates downward float of 10%. On the other hand is the individual commercial banks also accept personal credit loan, but must require the borrower to provide better bank water or a fixed monthly charge higher interest rates higher, in this way the loan in general, because the bank every year to charge a service fee, interest rate is above 9%.
"WIK Ansett" professional mortgage consultant to remind you, if you want to buy a car loan the best detailed consulting local banks or the entrusted loan finance guarantee service, it will also compare save worry. In addition, should pay attention to car loans, personal car loan conditions are: personal loans to assets have stable occupation and income or liquidate enough to repay the loan principal and interest, the lender; its own funds sufficient to pay the first payment provisions of Construction Bank purchase a car; the lender must provide bank guaranty approved Lender is willing to accept; banks that other necessary conditions.

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What is the condition of extraction 6, housing provident fund and flow?
"WIK Ansett" experts point out that, according to the provident fund management regulations, the establishment of housing provident fund accounts for 12 months (including) above, at the same time in normal amounts of housing provident fund 12 months (including) the above (normal amounts paid, including monthly continuous advance, back housing provident fund), and apply for loans at a prescribed state can apply for provident fund loan.
You only need to housing provident fund management center local management, real estate loan service agencies also may entrust a professional generation you handle. Provident fund loan conditions are as follows: (1) with Beijing city urban resident accounts or valid residency;
(2) have stable occupation and income have the ability to repay the loan principal and interest;
(3) the respective district in the purchase of owner occupied housing in the city of Beijing;
(4) with the contract or purchase housing related documents
(5) a, the loan applicant shall establish housing provident fund 12 months (including) above, at the same time, in normal amounts of housing provident fund (including the 12 months) and above (including monthly normal application for deposit, advance payment, payment of housing provident fund), and apply for loans at a prescribed state. b, loan applicant incumbency retired workers paid housing provident fund.
The Beijing region, housing provident fund to distinguish between city and country specific flow tube, slightly different:
The national provident fund tube:
The signing of the contract; the loan pre; the real estate assessment; the first payment; the bank audit; 6 into the pipe center audit; the bank approved loans to banks; interview; registration and transfer of the property; the collection of new real estate certificate; 2 owners 1629, mortgage registration;
The city governing provident fund:
1The signing of the contract; the loan pre; ③ credit assessment and collateral assessment; the first payment; the management center of first instance (review); the bank face; registration and transfer the property; the receiving new real estate certificate; the owners receive 1629; the mortgage registration;

7, to apply for housing loans to banks to investigate what 
"WIK Ansett" professional mortgage consultant points out, it simply is divided into the following two points:
First, banks should survey the identity of borrowers, such as whether the legal citizens, need to provide ID, account of this, the foreigner is required to provide temporary residence permit;
Second, the bank to the borrower's credit investigation; (1) the borrower's marital status; (2) the borrower has no repayment ability and habit; wherein, the repayment ability of borrowers include income, assets, liabilities; from the credit system the central bank's survey of the borrower's repayment repayment records habits, whether there is bad repayment records, such as credit cards, mortgage, car loan is paid in full and on time.
　
8, ask the sub units of the housing loan not yet how to sell? Ask professional personage to detailed answers?
First of all, if you need to buy the house from the unit where the property, can be listed for trading.
Secondly, because the houses are still the loan was not repaid, so the seller in the sale of housing loans repaid after the bank will be required, and the solution to transfer the mortgage houses. Of course, if the buyer all of the purchase will be the seller's bank loans repaid can transfer; if the buyer to purchase loans, so need to be handled through "to the mortgage" business.
Third, according to the current housing policy, the estate tax and you need to take, if the housing is not full five years including tax: 5.5% of the business tax, 1% of the personal income tax, land value-added tax, 1% of the 0.05% stamp duty (according to the housing period and specific situation specific analysis, tax is slightly different)
As for your seller net earned value according to the current housing two market circumstances, according to the internal factors you the house itself, built in the area, the traffic, the surrounding commercial atmosphere and so on and external factors combined to reasonably conclude you this set of housing price value. Generally speaking, the second-hand housing market pricing is in contrast with a lot of new sale price to decide, in the real estate market price higher may sell the price will be higher, also, in the real estate market price low price will be slightly downward float.

9, what time to get a mortgage after the room?
"WIK Ansett" professional mortgage consultant pointed out, the Beijing region, processing time of each district in Beijing is different, the shortest time as the Haidian capital construction commission to apply for mortgage registration on the day after the room; the longest such as Chaoyang needed thirty days to handle complete, other city has about ten working days the customer can get a mortgage registration after the room.
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10, the house mortgage calculation
First of all, if you want to use provident fund loans to buy third houses, must balance the provident fund loans have been used first paid in full. Because, according to the provisions of the housing provident fund management center, the first set of housing provident fund loans not repaid, the borrower is not re apply for housing provident fund loans.
Secondly, we recommend that you will be the first set of housing provident fund loans to pay off again with the provident fund loans to buy a house, because, according to the current housing provident fund management center policy: if the borrower is the first suite of accumulation fund loan has been settled, so if the use of provident fund loans to buy a house again will still be regarded as the first housing, is not affected by the policy of the two suite limit.
In addition, if both husband and wife buy a house loan, whether it is before marriage and after marriage for provident fund loans, as long as both husband and wife have a party for the provident fund loans may not re apply for provident fund loans not repaid loans to buy a house before, only to settle the housing loan before they can apply for provident fund loans the purchase of new housing.
Third, now provident fund loans simplifies the handling process, see the deed tax can loan to the owners, the owners get 1629 greatly shorten the time, at least, can save about twenty days. For the buyer, will be more conducive to their use provident fund loans to buy a house. Moreover, the provident fund loans at lower interest rates, loans to the provident fund interest rate for five years 4.59%, five years 5.13%. The interest rate from the point of view, than commercial loans benchmark interest rate five years 7.56% and five more than 7.74% years, at least 2.97 percentage points and 2.61 percentage points. So in the current real estate financial market environment of higher interest rates, the borrower or use provident fund loans to buy a house more suitable.