The way of thinking of the rich is to make money by debt and manage money by debt. For example, invest in opening restaurants, frying pavements, or joining chain stores. What if I have no money? Loan financing! You should know that the rich never use their own money to make money, but transfer all their money from the bank to Qian Shengqian! For example, credit card loans, mortgage loans and so on. So today, Qingyu first introduces how to use mortgage loans.
Benefits of housing mortgage loan project:
1, the interest rate is relatively low. Because of the existence of collateral, the interest rate of housing mortgage loan is relatively low, generally, the benchmark interest rate rises 10%-30%. Compared with unsecured loans, this has obvious advantages.
2. The loan term is long, the longest loan term is 30 years, but the sum of the borrower's age and the loan term cannot exceed 70 years.
3. The loan amount is high. The loan amount is usually 50%-70% of the appraised value of the house, and the maximum ceiling is 6,543,800 yuan. Specifically, the mortgage rate of residential loan products can reach up to 70%; The mortgage rate of office buildings and shops can reach up to 60%; The mortgage rate of industrial plants can reach up to 50%. Basically, it can meet the money needs of the majority of borrowers.
4. The approval rate is relatively high. Mortgaging the house to the bank will definitely reduce the loan risk, which is why other requirements will be relatively relaxed. As long as the borrower has a stable job and a good reputation, he can get a loan. Under normal circumstances, banks have no higher requirements for the borrower's income level and salary payment form. (Cash distribution form must be self-storage flow within half a year)
5. The repayment method is flexible. Unlike unsecured loans, borrowers have a wider choice of repayment methods. Generally, there are one-time principal and interest repayment methods (especially loans with a term of one year or less), average capital method and equal principal and interest method.
What forms of housing loans are not allowed:
1 category: second-hand houses with too long room age and too small apartment type.
Most banks have strict regulations on mortgaged properties. On the whole, banks will find it difficult to realize the real estate with an area of ≤50 square meters and a room age of ≥20 years, and it is difficult to make mortgage loans. Of course, if the property is in the main functional area of the city, some properties can apply for loans separately;
The second category: affordable housing that has not yet reached the five-year deadline.
In the charter of affordable housing, the competent department clearly pointed out that only after the expiration of five years, affordable housing (or price-limited housing) can be eligible for listing and trading, and property rights can be completely transferred. If the landlord sells the house within five years, it will violate the relevant regulations and cannot realize the transfer of property rights, let alone the qualification of mortgage loan;
The third category: small property houses.
It is called small property rights (or township property rights), but it is actually no property rights. This is the embarrassment of this kind of real estate. There is no proof of property right, only a seller's sales contract, which has not been recognized by the housing management unit. And this kind of housing, if it encounters policy land use planning, will face the risk of being destroyed, so financial institutions will not mortgage this kind of housing;
The fourth category: partially purchased public houses.
Although most of the purchased public houses have been converted into individual independent property rights, there are still a few special ones. For example, some properties that cannot provide purchase contracts and agreements; And the central delivery room that cannot provide the relevant listing certificate of the central delivery room. Because the ownership of this kind of property is still in a vague state, due to credit risk and liquidity problems, it is impossible to mortgage the property to apply for a loan.
Except the above, all loans can be made according to local procedures. Please consult the local loan bank for details!
Taking this housing loan as an example, I want to say that the knowledge of financial management is actually very wide. Sisters, don't limit yourself to online investment. After all, the network is virtual, so watch more opportunities in real life, chat less, read less WeChat, read more books and communicate more with successful people. Your financial vision will be broader!