When it comes to buying a house, everyone will have many topics to talk about. It is estimated that the hottest topic now is housing prices! The housing prices around Beijing and Bazhou have been regulated by the state, and few people are qualified to buy, and all housing prices tend to be rational. Most people who just need to buy a house have already started a set of Bazhou real estate. The next topic I want to talk to you about is why the interest rate of bank loans is high and most people choose loans to buy houses.
How high is the mortgage interest? Let's take the loan 1 10,000 years as an example, and give you a simple calculation! If the loan of 1 10,000 yuan is 30 years, it should be repaid every month: 483 1.98 yuan; If the loan principal is 654.38+0 million; Duration: 30 years; According to the benchmark annual interest rate of the People's Bank of China for loans over five years: 4. 10% (unchanged), the repayment method of equal principal and interest is adopted. Total repayment amount: 65.438+73.95 million yuan, and total interest amount: 739.5 million yuan. When the benchmark annual interest rate of loans changes, such as commercial loans, the benchmark annual interest rate is 4.90%, and the algorithm becomes: 1, with equal principal and interest repayment; Total loan: 65,438+0,000,000.00 yuan; Number of repayment months; 360 months; Monthly repayment: 5307.26 yuan; Total interest paid: 9,654,380 yuan+0,600 yuan; Total principal and interest: 1, 9 1, 600 yuan.
2. average capital repayment method: total loan: 65,438+0,000,000.00 yuan; Number of repayment months: 360 months; First month repayment: 686 1. 1 1 yuan; Decreasing monthly: 1 1.35 yuan; A total of 737,000 yuan of interest was paid; Total principal and interest: 6.5438+0.737 million yuan.
Through the above rough calculation, we can know that our loan is 6.5438+0 million, and the interest of the people is 8.9 million! In other words, the total price of the house you bought may be only1million, and the interest principal you paid after 30 years may be as high as about 2 million! Is the house bought like this really worth it? Why do so many people choose loans to buy a house?
There is a saying: although we will have a high interest rate on loans to buy a house, it is the lowest interest rate for ordinary loans! Now it is impossible without a house. The second statement: Although I can buy a house in full, I have to invest my money in other projects, which bring me much better income than mortgage. The third statement: house prices will continue to rise! I wonder how many times the house will turn over in thirty years! So the interest of these hundreds of thousands can be ignored! All the above three statements are very reasonable. I think it is a good choice to buy a house with a loan, whether it is rich or not. In fact, it is not a shame to buy a house with a new house loan. According to statistics, 95% of people will choose a loan to buy a house, which does not mean that only 5% of people have the money to pay the full amount! On the contrary, a large number of people have no money to pay the full amount, because choosing a loan to buy a house can save them a lot of money and can also be used for other purposes! After listening to my introduction, I believe everyone has a very comprehensive understanding of why they choose loans to buy a house at high interest rates! If you want to buy a house with a loan in Bazhou, it is definitely a very wise choice!
Sunshine County (Oak Bay)
on sale
Reference price: the reference average price is 7200 yuan/_
Address: Taishan West Road, Fumin Road, Bazhou, Langfang, Hebei
Property telephone number: 400-8 18-0066 to 040928.
Buy a house, send the parking space to the basement, 2 kilometers away from the subway entrance.
Why can commercial housing be loaned by banks?
Because it is supported by the policy countries.
In the process of buying commercial housing, if the funds are not enough, you can borrow from the bank. But you need your own high credit, and the state supports bank loans to buy a house.
Commercial housing refers to a packaged model house, which can be moved in directly with a bag and does not need decoration.
Why choose a mortgage loan to buy a house when you have the full amount?
Why do you need a loan to buy a house when you have paid the full amount? Interest has to be paid on loans, which is quite a lot. However, some people don't want to pay in full, but choose to pay by installments. The answer is because loans can not only save money, but also make money!
Why do you need a loan to buy a house when you have paid the full amount? Interest has to be paid on loans, which is quite a lot. However, some people don't want to pay in full, but choose to pay by installments. The answer is because loans can not only save money, but also make money!
First, the reasons for choosing mortgage loans
Let's get this straight. First of all, the current interest rate for commercial loans over five years is 4.9%, and the interest rate for provident fund loans over five years is 3.25%. Let's assume that the full amount of a property is 6,543.8+0,000 yuan, and the buyer just has 6,543.8+0,000 yuan in cash, so there is no cash in hand after the full amount, and we can only hope that the house price will rise, which can only be obtained when the property is sold.
But what if it's not full? Mortgage by installment, if the first suite pays 30% down, 700 thousand cash is available. In other words, as long as the income obtained by 700,000 beats the mortgage interest rate, it is earned.
Wealth management products above 4.9% abound in the market. If the commercial loan interest rate is 4.95% and the loan is 700,000 yuan, the monthly payment is 37 15.09 yuan and the annual payment is 4,4581.08 yuan. The annual acquisition rate of 700,000 yuan should reach 6.4%. In this way, not only have a real estate, 30 years later, there will be 700,000 cash. If calculated according to this plan, provident fund loans will be more favorable.
Second, if house prices fall, is the mortgage good?
According to the above analysis, it seems relatively better to choose a loan to buy a house. There seems to be only one risk of buying a house with a loan, and that is the risk of a sharp drop in house prices. The plan of a slight decline or consolidation of house prices is still valid. Let's take a look at this set of data:
Inflation is a thief who devours wealth. If calculated according to this data, the monthly payment is now three or four thousand yuan, which will be nothing after 30 years. After all, the fact that people spent hundreds of dollars a month in the last century still exists. Secondly, in the reform of commercial housing in recent years, real estate is the only one that can dominate the wealth management products. So the risk of a sharp drop in house prices does not make sense.
To say the least, installment seems to be the right choice even if the house price drops sharply. From the perspective of economics and finance, funds have time value, and according to the analysis of the above-mentioned insiders, the price increase coefficient has now exceeded the one-year time deposit interest rate, which is the era of negative interest rates. No matter whether the house price is rising or falling, as long as it is in this state, then relatively speaking, being able to borrow money is actually a kind of wealth.
In short, don't think about how much interest you want to pay, and don't think about the sharp drop in house prices. In the decades of loans, compared with inflation, the sharp drop in part and interest will be made up. As long as you believe that the money saved by buying a house with a loan, after 10 or 20 or 30 years of operation, the money you earn will be much larger than the interest you pay for buying a house.
In addition, you need to know how many people want to realize the property as a mortgage now! And now banks and other lending institutions are not good at lending, and they are very nervous. Don't hesitate to make mortgage loans!
Why do many rich people who are not short of money need loans to buy a house?
No matter rich people, ordinary people or even diaosi, buyers must borrow money to buy a house, instead of paying the full amount stupidly.
Rich people understand this truth better than the average person. Therefore, they have to take advantage of bank loans. If possible, they want a down payment of 10%.
But ordinary people don't have such a profound understanding as the rich, mainly because of the limitation of traditional thinking mode. Most ordinary people are forced to borrow money to buy a house because they really don't have that much money and can only borrow money. Many people may not know that in China, the housing loan is a welfare that the government gives you in disguise.
Since it is a welfare, why not? Of course, the rich know all this, and even if they have a lot of cash, they still have to borrow money.
Many people may not understand why I don't pay interest to the bank when I buy a house loan. This is just a business activity. How can it be the welfare given to me by the government?
In China, banks are very friendly when ordinary people have only borrowed money from them twice in their lives. Once you buy a house, once you buy a car. These two loans are easy, eligible and enjoy certain preferential treatment.
In the future, it will be extremely difficult for ordinary people to get loans from banks. Some people say it's easy now. Dude, that's not a loan at all, you understand? Is that consumption, consumption, consumption? Although it seems that the bank gave you money, it is not a real loan. If you don't understand this sentence, I don't know how to explain it to you
In short, whether you buy a house or a car, you need a loan. This is a free benefit. Why not?
Moreover, these benefits are only available for a few times, before you are fifty.
The bank will not lend you money in the future.
Why do you need a loan to buy a house?
Why do you need a loan to buy a house?
Loans to buy a house are mainly to reduce the pressure of buying a house. The price of buying a house is very expensive now. If the bank lends money, it only needs to repay the mortgage in installments every month to reduce the pressure of life. However, when buying a house with a loan, we should also pay attention to preparing materials to ensure good credit and stable income, otherwise banks are not allowed to issue loans.
What are the loan purchase processes?
1.
Before going through the loan procedures, buyers should first look at whether they meet the local purchase policy. Now many big cities have limited purchase policies. The purchase restriction policy is mainly aimed at some people who buy multiple suites. If you haven't bought a house yet, you won't be restricted, but you still need specific consultation.
2. Determine the purchase target.
After the buyers meet the local purchase policy, they can start to look at the house and choose the house. Don't be afraid of trouble and hard work in the process of choosing a house. Only by paying more attention can we avoid future regrets. Before buying a house, everyone should think about what kind of house to buy, including the area and location of the house, so as to help them make a good purchase plan in advance.
Step 3 prepare loans
After choosing a house, you can start preparing for the loan. To prepare the relevant information of the loan, you need to provide personal identity documents, marriage certificates, proof of work income and so on. The second is to prepare down payment and deposit. If you meet a house that suits your mind when you are looking at the house, you usually need to pay a house purchase deposit.
4. Pay the down payment and sign the contract
When choosing a house, you have already paid the down payment. When paying the down payment, you should pay attention to the combination of the down payment. The general down payment will also involve signing a house purchase contract. The contents of the house purchase contract should be read clearly, including the area, unit price, total price, building and floor of the house. In addition, according to different situations, both parties can sign a supplementary agreement through consultation.
5. Go through the loan procedures.
After that, buyers will start to apply for loans. Property buyers will take the loan materials prepared in advance to the loan bank, and generally there will be a special credit specialist to receive you. During the period, a loan contract needs to be signed, and buyers should also pay attention to the contents of the contract.
6. Waiting for delivery
After submitting the loan application, the bank will lend money in about one month, and then the buyers only need to pay the house according to the time agreed in the purchase contract. Property buyers can invite professional home inspector to inspect the house from top to bottom and from inside to outside according to relevant industry standards, which will be more reassuring.
Why do buyers choose?
Why do buyers choose 1? The pass rate is relatively high and the review is very strict. If there is a flaw in personal credit information, it is easy to refuse the loan. Although it is necessary to review personal information and credit when handling loans through the company, different loans will be launched according to different situations of borrowers. For example, increase the loan interest rate for customers with bad credit. Under normal circumstances, lenders with bad credit will have to pay higher fees to apply for loans. Of course, if the credit status is extremely poor, it is not easy to get a loan. The procedure is very convenient. Generally speaking, lenders can obtain funds by submitting application materials and signing contracts. And if you go to the bank, the audit time will be longer, because there are relatively many procedures for bank loans. The handling of the loan saves the lender some time. Corporate loans are much faster than bank loans. Some loan companies apply for credit loans, and borrowers can get the funds as soon as possible. For friends who are in urgent need of funds, it will be much better to apply for loans through loan companies.
This is the end of the introduction about why buying a house with a loan and why buying a house with a loan is better than the full amount. I wonder if you have found the information you need?