Chinese fund newspaper reporter Yang Lei

  Housing loans have a family, often faced with excess funds in advance owing on the loan, the dilemma is the choice of investment and financial management. The truth is very simple, if the investment return rate is more than the mortgage interest rate, you should choose investment rather than advance owing on the loan. How to finance and investment in order to overcome the mortgage interest rate?

  China fund reported financial studio selected 7 kinds of low risk for investors, for hedge the mortgage interest rate risk return characteristics of each financial products, financial products, hedge mortgage interest rates also vary, investors need to carefully screened.

  5 year time deposit, the 5 year bond, monetary fund, hierarchical Fund Class A share, the bank financial products, insurance products and credit, there are 7 kinds of financial products, investors can choose, for those excess funds is not a lot of investors. Can withstand the mortgage interest rates, but also take into account the flow to a certain extent.

  5 year time deposit

  Deposit is one of the lowest level of risk to financial products, convenience is also very high, banks have. The longest period of time deposit for 5 years, the longest period of the proposed investment period of 5 years.

  At present, the interest rate on bank deposits is open to a maximum of 1.1 times, but not every bank can provide, major banks in 5 year time deposit is still the benchmark interest rate, however, most of the commercial banks have relaxed the deposit interest rates to 1.1 times the benchmark interest rate, currently 5 years deposit is 4.75%, corresponding to 1.1 times is the 5.225% annual rate of return.

  However, investors should pay attention to, the interest rate for the fixed deposit is due to a one-time payment, and mortgage is compound interest, so the 5 year time deposit 5.225% rate of return, only against the 4.9% interest rate loans, also is only able to withstand a 25% off mortgage interest rates after a slight profit.

  5 year bonds

  Convenient for investors in investment banking is the savings bonds (Electronic), the fourth quarter of last year issued a recent 3 year savings bonds and 5 - year savings bond yields were 5% and 5.41%, the annual payment once, 5 years than the bank deposit rate of return is slightly higher, if two kinds of bonds are available, the 5 year bond is the preferred choice against loans.

  Savings bonds are usually released 4 times a year, once every quarter issue, each have 5 years period variety, investors can focus on. This kind of product yield can withstand 20 percent off mortgage interest rates, if the interest rate is 30 percent off or 25% off, may also have some income. Advantage of risk level is very low, the investment rate of return is also significantly higher than time deposits, disadvantage is that investment convenience is not high, only 4 times a year investment opportunities, and every time to panic buying queuing in the bank, does not always get 5 years period of products.

  Monetary Fund

  At present, the IMF and the monetary fund based all kinds of financial tools investment very fire, the total size of the IMF has exceeded 1 trillion, some higher yielding currency funds or financial tools currently has about 6% of the rate of return on investment, for example, as of February 21st 7, the balance of - 6.18% annualized rate of return, zero wallet 6.21%, money 6.31%. But from a long-term point of view, monetary fund or investment tools is difficult to maintain long-term rate high income of more than 6%.

  According to estimates, in 2014 the year of monetary funds, higher yields can be achieved throughout the year about 5% rate of return. The advantage of Monetary Fund or financial instruments is the biggest flexibility, can be redeemed or switched to other financial products at any time, but also very high convenience of investment fund company website, Internet, website, bank, bank counter and many other channels to investment. Monetary Fund against mortgage interest rates, need to pay attention to yield changes, when the return rate is lower than 4.6%, investors can timely to switch to other financial products.

  From the current earnings, monetary fund or financial instruments can withstand 10 percent off of mortgage interest rates, but in 1 years and over in the long term, the IMF only against the 30 percent off mortgage interest rates or even can not resist.

  The classification of fund class a share

  An important investment grade Fund Class A share also against the mortgage, under normal circumstances, can resist the mortgage interest rate parity. Grade class a share at present Shenzhen daily average turnover of more than 5000000 and a selection of 6, annual yield of 6.5% ~ 6.9%, for the annual dividend corresponding annual yield. Higher yield varieties is the gem A and fidelity of 300A, annual yield of 6.8% ~ 6.9%.

  However, hierarchical Fund Class A share is listed transactions, transaction price fluctuations, discount or premium also have volatility, so the investment risk levels slightly higher; convenience in the transaction, must hold the Shenzhen A shares account for sale.

  Bank financial products

  Bank financial products from one month to one year period has, in order to resist the mortgage interest rate of investment, may be the preferred choice for about half a year or longer period of products, the bank financial products have the lowest threshold of 50000 yuan, the current market conditions corresponding to the annual yield mostly in the 5.5% ~ 6%, but the future a period there is a reduction in risk, rate of return. In 2014, the expected rate of return is 5% to 6%.

  From the solvency risk, the bank financing product risk level is very low, the basic no reimbursement case. From the investment convenience, can choose the bank channel more, but the initial investment amount is 50000 yuan, to resist the mortgage interest rates is not so easy, when only 50000 of funds can not be investment. And, the financial products investment gap, loss of yield, can resist 10 percent off mortgage interest rates.

  Insurance and financial products

  Insurance financial product development in recent years is also very fast, the dividends type universal insurance products investment lowest return rate is 2.5%, real after tax rate of return on investment is about 5.2%, there are a few small insurance company's products is expected to yield up to 6% ~ 7%, for example, and Taobao cooperation China Life, the Pearl River life has a maximum of 7% products.

  Buy these products through the Internet or by insurance companies, banks, investment channels is more also, but the products are generally punitive surrender terms. In terms of risk, the small scale of insurance and financial products, there is not due to the timely payment of the expected revenue risk, the need to pay attention to. General insurance and financial products can withstand 15% off of the loan interest rate.

  The credit debt

  Secondary credit level exchange credit debt the current interest rate level is relatively high, investors can focus on some pre tax income rate in some bond products 7.5% ~ 10%, due mainly to choose time period of 2 years to 7 years period of products. As of February 21st the annual pre tax earnings due rate calculation, there are more than a dozen yields more than 10% bonds, but considering the bond quality problems, not recommended.

  Pre tax rate of return is 7.5% ~ 10% of the varieties of bonds have about 150 products, of which 90% is from 2 to 7 years expired products, some products in moderate volume, every day millions of, another part of the product the transaction is not active, to buy must wait for a period of time. Transaction convenience, investors must also have the Shanghai or Shenzhen stock account to investment.

  For example, 13 Wuhan Metro debt for a period of 5 years, the current distance expires 4.68 years, annual pre tax rate of return of 8.76%, after tax year returns ratio corresponding to about 7.1%, investment in the bond can resist the benchmark interest rate loans are still profitable. The 11 dragons debt is 7 year bond products, distance expires 4.2 years, the current tax year returns ratio is about 9.46%, the after tax yield of close to 8%, can withstand 1.1 times the mortgage interest rates are still some profit.