In addition to the "fixed rate balloon loan", Feng Xiaona also introduced the deposit and loan and biweekly for. It is understood, "arrived in loan deposit" specifically targeted at the use of funds more flexible, while savings mortgage customers, repayment account funds can exist in a certain proportion as early repayment, to save loan interest will be returned to the customer account of financial income. "arrived in loan deposit" will not affect the customer daily use of funds, need funds may at any time scheduling, very convenient and flexible; surplus funds, but also can offset loans, saves the loan.

"Fortnight for" refers to the way the repayment of loans from the original monthly repayment of a change to every two weeks repayment time, repayment of about half of the time for the month, reached in time, the purpose of interest.

According to the characteristics of the above loans, Shenzhen Development Bank also launched a grand "new mortgage portfolio". This product is the original three mortgage finance, information products (balloon loan, deposit and loan, biweekly for) further on the basis of the optimization and combination, formed a new product, information effect is more powerful: the balloon loan of the fortnight, balloon loan deposit and loan (matching, decreasing), biweekly for storage. The loan, the balloon loan biweekly for the deposit and loan. With the introduction of new fixed rate balloon loan, can form a fortnight + balloon loan and deposit loan + fixed rate mortgage financing new product. Rising interest rates on the second set of housing, coupled with the current interest rate is high, the mortgage portfolio of new loans to real income and benefits will be more obvious.

Use provident fund loans

For the first time to buy a house by the provident fund loans, and has repaid the loans of the public, such as provident fund account deposit meet second loan demand, still should choose provident fund loans. Because provident fund loan interest rates than commercial loans benchmark interest rates low, and influenced by the "second suites" loans than commercial loans policy of no effect. Another part of the provident fund loans bank mortgage policy is also a slight relaxation, the more prominent the interest rate advantage.

At present the latest interest rate of provident fund loans is more than five years of implementation of the new interest rate 5.22%, five years of implementation of the new interest rate 4.77%; commercial loan interest rate is more than five years in the implementation of the new interest rate 7.83%. Comparative rates fall, the provident fund loans advantage is more outstanding. Therefore, to pay off for the first time to apply for provident fund loans, provident fund loans may become the preferred strategy. If the first suite loans provident fund has not yet, you can only choose commercial loans.

For the first suite for commercial loans, the purchase of the second set of properties to choose the best use provident fund loans. Provident fund loans at lower interest rates, provident fund loans at lower interest rates, the use of pure provident fund loans to buy housing, can enjoy the maximum 70% loan, it can save a lot of money.

Charge the old buy new

The public can have clear property rights unsecured state property mortgaged to the bank, to "charge the old buy new" way to pay for a new house. At present, the pure loan period of not more than 10 years, and the minimum lending rate for the benchmark interest rate, the number of loans into general in 6-7%. Before operation the buyer must clearly understand the loan to value ratio, so as not to money problems.

Case:Mr. Wang worked for mortgage loans, has now settled, we want to purchase a new house for the son of the marriage room, need to apply for loans, in accordance with the national policy of the two suite, must execute Shoufu ratio 40% and loan interest rates broke surface 10%. After asking several intermediary and bank, Shenzhen development bank can know that in the existing property as collateral for housing mortgage loans, to apply for a maximum value 7 into a room. Mr. Wang is the property value can reach 750000 yuan, with 500000 yuan of loans, 10 year period as an example:

The choice of mortgage can enjoy the benchmark interest rate, the interest burden many, Mr. Wang decided to choose in the deep development for housing mortgage loan and select the balloon loan.

To sell the old buy new

If the citizens want to buy second suites, the premise in the transition period can solve the housing problem, but the original property sold to apply for new loans, can enjoy the first mortgage preferential interest rates. But we should pay attention to the original property sale documents must be complete, these documents can apply to the bank mortgage.

Loan to buy a house is certainly cost as low as possible, especially involving two home. According to the current real estate market, everyone should make the calm, rational expectations about their future purchase plan, careful planning and then make a wise choice.