Now for most home buyers, especially young friends, 快速借錢the financial ability is not generous, high prices make many people discouraged. Do you want to buy a house? Only through loans, so the loan planning before buying a house借錢 is a must for all homebuyers. So the question arises, how to choose a loan to buy a house, how much is the right down payment, and how to choose the loan term? The longer the better, or the shorter the better? Let's talk about this topic today:
Now there are two different types安聯收益及增長基金好唔好 of home loans in general, one is through the network banking business for ordinary commercial business loans, and as a method is the provident fund loans, or a part of the city commercial and part of the provident fund mixed loans. Generally we say, the interest rate of the provident fund is much lower compared to the interest rate of ordinary commercial credit loans, so students as long as they meet the conditions for the development of the provident fund loan must choose the provident fund loan, but because if you do not meet the conditions of work related to the provident fund can be based on the choice of portfolio loans, if simply did not pay the provident fund friends, then you can only choose some business loans.
and loans, the same house, the amount of the loan depends on your down payment, the more the down payment, the less the loan amount, the corresponding monthly loan pressure, but must be considered according to the actual situation, if you buy a vacant house, also consider the empty renovation money, the general bank requirements is 20% or 30%, if the money, or suggest you can pay as much as possible, after all, there is also a lot of pressure after the monthly repayment.
There is also a certain period of time, the level of housing prices are now generally higher, in order to can reduce the pressure of the student's monthly repayments and facilitate the corporate bank for approval staff through, the general loan term structure are 20 or 30 years, we all know that the same interest rate, the longer the term, the minimum monthly repayments, the higher the total interest will be, the opposite of the shorter the term, the more monthly repayments, the total interest will also be The shorter the term, the higher the monthly payment and the lower the total interest rate, which is as a very important contradictory development is also a very influential normal thing.
So what other options are there? If you are a young friend, I personally think that in the same situation, you can choose 30 years or try to choose 30 years, after all, young friends in the beginning of the income is relatively small, but also face the pressure of marriage and children, more places to spend money, in the future, money can also be raised to repay, if you consider the inflation factor, which is more appropriate, that is, choose such a period, the future The variable space is larger and correspondingly relatively flexible. But if your income is relatively high, consumption is relatively small, within the scope of being able to afford, or try to choose a shorter period, after all, the longer the period, the interest calculation is still a lot.
Finally, the way the loan. As we all know, there are two kinds of bank loans, equal principal and interest and average capital. If possible, try to choose the average capital, because the total interest of the average capital is much less than the equal capital interest under the same interest rate and term.
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