According to analysis, there are three types of just-needed buyers who can consider these money-saving loan tricks:
First time buyer
Representative: Xiao Shen, a well-paid white-collar worker of a large company outside the city.
Typical case: Xiao Shen, a native of Shandong, has been working in Beijing since graduation. Now I work in a large software company, with a monthly salary of10.5 million and a stable income. At present, Xiao Shen has been renting a house with a monthly rent of 2,000 yuan. Xiao Shen intends to settle in Beijing in the future. He thinks it is not a problem to rent a house all the time, so he is going to find a small apartment in the urban area. However, Xiao Shen's savings on hand and his parents' support are only 6.5438+0 million yuan, so it is difficult to buy a house in full, so he can only use bank loans. He has a long-term prepayment plan. Xiao Shen wants to know what are the tips for saving money in the loan method.
Loan scheme: commercial loan banks and repayment methods have found a breakthrough.
Guidance: First of all, for foreign buyers like Xiao Shen, according to the New Deal, banks generally require them to provide tax payment or social security payment certificates for more than one year in Beijing, and companies in Xiao Shen can provide these certificates. Secondly, for first-time buyers, there is no difference between commercial loans and provident fund loans in terms of down payment, but the interest rate is slightly different. However, the amount of commercial loans is relatively high, so it is suggested that Xiao Shen choose commercial loans. At present, some banks have relatively affordable policies for first home borrowers, and they can still apply for a 30% discount interest rate.
In terms of loan method, you can choose to repay the principal in equal amount. Although the early repayment pressure is relatively greater than the equal principal and interest, in the long run, the average capital still saves interest. Coupled with Shen's prepayment plan, general funds are more suitable for Shen.
In terms of buying a house, it is suggested that Xiao Shen can choose small-sized houses along the line and in the business circle to facilitate their commuting. In terms of loans, you can choose a loan amount of about 800,000. If the same amount of principal is used for repayment, the repayment in the first month is 6093.78 yuan, and the repayment amount is less than 50% of Shen Yue's income. However, the monthly repayment amount of average capital will be reduced month by month, and the repayment pressure in the later period will be smaller and smaller, which is more suitable for him.
Home ownership upgrade crowd
Representatives: Liu Xiaoxiao and Zhao, senior managers of Beijing Ape Company.
Buy the first suite in full
Typical case: Xiao Liu, a Beijinger, is currently a senior manager of a company with a good income. Xiao Liu and his lover have been married for many years, and there is no record of a loan to buy a house under his name. The house where Xiao Liu lives now was bought in full by his parents in the name of Xiao Liu. The property is in Tongzhou District, and the house is relatively old and small. Because Xiao Liu and his lover are going to have a baby, they changed rooms, so Xiao Liu took a fancy to a big two-bedroom apartment with a total price of about 2 million. However, Xiao Liu now has only 400,000 in his hand, and his parents gave him 500,000. The current market price of this property under his name is about 6.5438+0.2 million yuan.
Loan scheme: sell secondhand goods and buy new goods to upgrade home ownership in one step.
Guidance: According to the current second-suite policy of recognizing housing and loans, people who have upgraded their housing under Xiao Liu's name may be recognized as second-suite if they buy a house again. It is suggested that George W. Liu Hao still adopt the home purchase upgrading scheme of selling the old and buying the new and buying the whole house. In terms of buying a house, because Xiao Liu's purpose of buying a house is to meet the needs of having children in the future, it is better to choose the surrounding areas or areas closer to the key points in one step and make long-term plans.
First time home purchase loan
Typical case: Xiao Zhao, a Beijinger, is currently the human resources manager of a foreign company. He has a house bought with a prenuptial loan in his name. The loan was settled the year before last, and the current market price is about 6.5438+0.5 million yuan. Seeing that Xiao Zhao's son is approaching adulthood, Xiao Zhao wants to pick up his parents to pick up the children. But now the small two-bedroom apartment is obviously not enough for three generations to live together, so Xiao Zhao wants to buy a bigger house with a loan. Mr and Mrs Xiao Zhao have a deposit of 600,000 yuan. Xiao Shen doesn't know how to borrow money to buy a house to meet his needs.
Loan scheme: 1+ 1 housing provident fund second suite is more economical.
Guidance: According to the current policy, even if this property is sold, the central bank's credit information system will still keep its loan record, so as long as Xiao Zhao borrows money to buy a house, it will be recognized as a second suite, and the down payment and interest rate will be raised. Therefore, it is suggested that Xiao Zhao should choose the 1+ 1 home ownership upgrading mode which is popular among young people now, keep this house, and then buy a small house to reduce the down payment and repayment pressure. At the same time, it can maintain the independence of two generations in life.
It is suggested that Xiao Zhao can choose a one-bedroom apartment with a total price of 1 10,000 yuan in the same community, which can facilitate parents to pick up and drop off their children. In terms of loans, companies in Xiao Zhao pay provident fund for it, so it is suggested to choose a provident fund loan with a larger amount for the second home loan, because the preferential interest rate of provident fund loans can really save a lot of money for borrowers when the down payment of commercial loans and provident fund loans is almost the same, and Xiao Zhao can apply for a provident fund loan of about 600,000 yuan.