The answer is simple. You said that the key point of whether it is cost-effective is your investment income. If the loan is 240,000 yuan, your monthly supply should be about 1.700- 1.800 yuan, and it will be about 400,000 yuan in 20 years. If you pay it off at one time now, you only need 200 thousand, which is still cost-effective from the total repayment in 20 years. But if, for example, you can invest and get 10% interest every year, that is, 20,000 yuan a year, which is just enough to pay your down payment, that is, you can use the money from having children to pay your house payment, and finally keep this 200,000 yuan for yourself, then if you pay it in one lump sum, you will correspondingly lose the investment income of this fund. If it is a relatively conservative family that is not suitable for adventure, you can choose to pay in one lump sum.
I wish my family happiness and a happy life!
Second, how to pay the down payment of 200,000 yuan for buying a house?
We all know that many people choose to borrow money from the bank when buying a house because the house price is getting higher and higher, which can relieve a lot of pressure. So where to buy a house with a down payment of 200 thousand, and how to calculate the down payment? In fact, 200,000 can buy a house anywhere, mainly depending on the size of the house you buy. The bank calculates the down payment according to the area of your house, so listen to my opinion.
Personal housing loan:
1, the minimum down payment ratio for the "first suite" is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property (adjusted to not less than 25% for cities that do not implement "purchase restriction");
2. The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
What is the down payment process for buying a house?
1, see the house
First, check the "five certificates and two books".
Construction land planning permit, construction project planning permit, building construction permits, state-owned land use permit and commercial housing pre-sale permit.
"Two books": residential quality guarantee and residential instructions.
B. On-the-spot investigation, including: looking at the sand table, looking at the floor plan, looking at the model house or existing house.
2. Sign the subscription book
Fill in personal information-sign subscription book-pay deposit-save receipt.
The contents of the subscription book generally include: the basic situation of the house; Calculation method of house price; Time limit for signing the contract; Payment methods, etc.
3. Sign a formal purchase contract.
Both parties negotiate the terms of the Commodity House Sales Contract-signature and confirmation, seal-down payment/full payment-and save the invoice.
Please note that when signing the contract, you should bring the following information:
(1) Deposit receipt (2) Original ID card. Married people need to bring the original ID cards and marriage certificates of both husband and wife (3) the original household registration book or household registration certificate (4) the original income certificate (5) personal stamp.
How to refund the deed tax by paying the down payment and overpaying the purchase price?
Check-out and deed tax refund can also be divided into two situations, one is that the contract has been signed, but the property right has not been transferred, and the other is that the property right has been transferred.
(1) The transfer of property rights has not been handled.
In this case, the deed tax can basically be refunded directly. According to the "Reply of State Taxation Administration of The People's Republic of China on the Issue of Refunding Deed Tax after Check-out of Forward House", as long as the purchase contract is signed, and the transaction is not completed for other reasons, the deed tax has been paid, and the deed tax should be refunded after check-out.
However, if the property buyer has applied for a mortgage loan, it means that the property right has been transferred to the name of the property buyer. In this case, the deed tax paid will not be refunded.
(2) The transfer of property rights has been completed.
If the transfer of property rights has been completed, the deed tax will not be refunded in principle. However, there are also special circumstances. If the contract you signed is invalid, the deed tax will be refunded even if the property right transfer has been completed.
Note that the validity of the property right transfer we are talking about here is based on the legal validity of the house sales contract. That is, if the contract is invalid, the above two situations should be analyzed separately.
Second, how to refund the deed tax for the down payment of the house purchase?
First of all, it is clear that the purchase here refers to the first suite. When you buy a house and sign a contract with a developer, the developer will generally charge a deed tax of 1.5%-3%. The deed tax that exceeds the policy will be returned to the buyers after the purchase transaction is completed.
Deed tax policy indicators:
1, the construction area of the first suite of rural hukou is less than 90_, and the deed tax is free; Other accounts are charged at 1%.
2. The construction area of the first suite purchased exceeds 90_, 140_, calculated as 1.5%.
3. If the construction area of the first suite exceeds 140_, it will be levied at 3% of the total amount.
Deed tax refund operation process:
1, the property buyer pays the deed tax amount stipulated in the contract;
2. To apply for tax refund, you need to submit relevant certificates: 1, identity certificate, 2, marriage certificate or single certificate, 3, house purchase contract, 4, family only housing certificate, 5, tax refund application, 6, bank account number.
3. Because the developer handed over the information of the buyers to the Housing Fair late, the deed tax was refunded to everyone in 3-6 months.
To sum up, the down payment of the house is based on the area of the house, and the deed tax of the house is also based on the area of the house. So, where can I buy a house with a down payment of 200,000 yuan? How is the down payment calculated? It depends on the area of the house you actually buy. The larger the area, the more down payment you will definitely give.
I need a loan of 200,000 yuan, and I don't know how to borrow it. A house with a mortgage ...
Very simple
4. I want to borrow 200 thousand, but I don't want to mortgage it. How can I get it?
I feel that there is no mortgage. I don't think banks can get loans.
However, some online loans say that they are not mortgaged, as long as they have ID cards. Personally, I think this method should not be tried.
There are deep and full pits everywhere, so we still need to be cautious in lending.
I'm not a financial expert. I suggest you consult a professional. In addition, you should also consider your repayment ability. It will be very difficult if we cut off the supply and then return. What the loan is for, whether it is used for starting a business or something else, whether it is necessary, and whether it is sure to repay the principal, all these should be considered.
In short, be careful.
good luck
Lao Liu is happy to share his knowledge about credit with you. As you said, if you don't want to mortgage collateral, you can solve it through credit loans and credit cards.
As the name implies, credit loan is a short-term personal consumption or business loan provided by the borrower without mortgage and guarantee. The loan term generally does not exceed five years, and the annualized interest rate ranges from 5% to 24%. Since there is no need to provide collateral and guarantor, the basis for issuing credit loans is your personal credit information, and whether you have a legitimate occupation and a stable source of income.
Generally, to apply for a credit loan, you need to meet the following conditions: monthly mortgage payment, full payment, punch card salary, provident fund and insurance policies of major insurance companies. If you have a real estate now, you can also apply for a credit loan in the name of a decoration loan.
Credit card The essence of credit card is the recycling of microfinance. The advantage of a credit card is that it can be recycled within the validity period, and there is no need to apply frequently. The disadvantage is that you need to apply in advance to use it. If you need 200,000 yuan, you may need colleagues to apply for several credit cards to reach the amount you said.
In short, if a person has a stable job or normal business behavior, it should not be difficult to need a loan of 200,000 yuan.
Find a rich man as a guarantee.
The reason why you don't want to mortgage is that you don't have a house or a car to mortgage, or you don't want to mortgage if you have a house or a car?
If you have a house and a car and don't want to make a mortgage, is it because your spouse doesn't agree, or do you just want to borrow a credit loan, because the credit loan can't be repaid, which will affect the credit investigation at most, but the mortgage loan may make the house and the car mortgaged and will be auctioned without repayment.
What kind of situation are you in now? Generally speaking, the interest of mortgage loans is generally lower than that of credit loans, especially bank mortgages.
Then you obviously don't lend at a lower interest rate, but you want to borrow at a higher interest rate. Why do you do this except that you didn't want to pay it back at first?
Mortgage, insurance policy and social security are all the same. As long as the credit is good, you can borrow more than 200 thousand.
If the policy is well planned, a policy can make millions of policy loans. After all, it is much easier to buy an insurance policy than a suite. Therefore, ordinary people should focus on the dual functions of policy guarantee and loans, but 80% or even more than 90% of families have not made careful plans in advance, which leads to very passive in the later stage.
You can use a credit loan. The premise is that your credit information is good!
The order is very important: credit card, credit loan and mortgage loan.
What are the common credit loan products of banks? (What qualifications are required for application)
Banks operate credit management and risk management.
Credit loans are unsecured and unsecured loans, and banks mainly issue corresponding loans according to customers' qualifications and credit status.
The common credit loan products of banks mainly include the following:
1. Wage loan: paying wages on behalf of others.
Second, policy loans: commercial insurance.
Third, monthly payment: a house with a national mortgage.
Fourth, provident fund loan: deposit the provident fund.
Verb (abbreviation of verb) decoration loan: there is a property under the name.
Banks need to know the following information about customers (so-called customer audit):
1, understand the customer's work? (Is it stable?)
Work or business?
Work: What unit? How long does this unit work?
Industry and Commerce: How long will the business license be registered? How long does it actually run?
2. Know the assets and income of customers? Assets are the embodiment of repayment ability, which adds a protective barrier to the source of repayment.
Go to work:
A.do you have a payroll? How much after tax? (Understanding income)
B.is the social security accumulation fund broken? What is the base of social security accumulation fund?
C. Does the customer or spouse have commercial houses all over the country? Where is the property? How much is it per month? What bank loans? How long will the mortgage last? Do you have commercial insurance in your name? Which company is it from? Monthly payment or annual payment? How much do you pay each month/year? How long has it been handed in? Is there a car in the name? (Understanding assets)
Business:
A.do you have a business license? How long will it last?
B.is there any tax? How much is the annual tax? How many invoices are issued each year? How much water do you run every month? What is the turnover? Is there any lawsuit under the name? Who is the legal person? What is the share? (Understand the quality and stability of the company's operation: the source of repayment)
C. Are there any other assets (house, car, insurance policy) in the name? (Understanding assets)
3. Understand the customer's liabilities? (Debt ratio)
A.do you have a loan in your name? Which bank's loan? How much did you borrow? When is the loan? How much is it per month?
Do you have a credit card? How many/much? What's the total? How much is used at present? (whether it is maxed out)
4. Know the customer's credit information? (Good or bad credit)
A. Are the loans and credit cards overdue?
B.what loan did you apply for recently? Number of inquiries?
C. Is there an online loan? How much is the online loan
(Credit history directly determines whether the application can be successful? )
It is recommended to consult a regular bank, and do not consult related online loan business online.
If you don't want to mortgage, it is a pure credit loan. To sum up, there are several ways:
One: There are many online loans with high interest rates, such as loans, micro-loans, JD.COM lines, credit card cashing, etc. However, the interest rates of these loans are between 30,000 and 50,000, and the annual interest rate exceeds 10%, which is a high-interest loan. To put it simply, the annual interest on a loan of 200,000 yuan should be around 20,000 yuan! Emergency turnover is ok, but long-term use is not recommended!
Two: provident fund loan The amount of provident fund loan is about 65,438+00-300,000, but the premise is that you have paid the provident fund, and the amount cannot be too low! The interest rate of provident fund is low, with a life span of 3%-5%, which is lower than that of housing commercial loans, and it is a high-quality loan! However, provident fund loans are conditional. First, you must pay the provident fund. Secondly, the amount paid must reach a certain amount. If you want to borrow 200,000 yuan, the payment of the provident fund must be around 1 1,000 yuan (individual), and major banks will screen the customers of the provident fund. Civil servants, teachers, employees of state-owned enterprises and local leading private enterprises are all high-quality customers, and the application is easier to pass!
Three: company business loan You can register a company. It is very simple to register a company, and you can get a business license in 3-5 days. Because of the epidemic, the state has given great support to small and micro enterprises this year. If there is a running company, the application is simple and easy to pass, and the interest rate is very low. The time is about 3%. If there is no running water, just shorting the company may be a bit troublesome to operate and may require the operation of a third-party company! Specific operation can consult the local loan company!
Decoration loan If you happen to have a house under renovation, you can apply for a decoration loan. All major banks have decoration loan business, and the age is about 3%. However, after applying for this money, it will not be paid to your personal account, but to the account of a third-party decoration company. If you happen to know a friend of the decoration company, you can withdraw it reasonably!
The above loans are unsecured loan channels, depending on how you choose, but no matter how you choose, your credit reference must be qualified, and it is very important to maintain a good personal credit reference. In addition, if you go through the banking channel, it may be difficult for individuals to reach it. You may want to consult a small local company with a third-party loan. They can go through the bank channel, but they have to charge a certain fee, but compared with high-interest credit loans, the money is still worth it. Finally, if you want to apply for formal bank loans, it is best to tighten the bank loan business in the first half and the second half of the year, which may be more difficult to apply!
1, you can use a credit card.
2. There are companies that can do business with loans, online merchant loans in Alipay, and online merchant banks.
3, money to spend, 360 these.