; ? Now house prices are rising everywhere, and so is Zhengzhou. Few people buy a house in full, but most of them buy a house by loan. Either way, they want to save more money. Then, 20 16 borrowed money to buy a house in Zhengzhou, how to save more money?
1, try to use provident fund loans.
Compared with commercial loans, the expected annualized interest rate of provident fund loans is much lower, which can save a large part of interest expenses. Therefore, if the balance of property buyers' provident fund is sufficient, it is best to use provident fund loans. If the balance of the provident fund is insufficient, you can apply for a portfolio loan first, that is, part of the provident fund is used and the rest is used for commercial loans, which can also reduce some interest expenses.
2. Try to adjust with the monthly interest rate.
At present, most banks adjust interest rates once a year by default, and only a few banks adjust interest rates once a month. In the context of frequent policy adjustments by the central bank, adjusting interest rates on a monthly basis can save some interest expenses.
3. Choose to shorten the repayment period in advance.
Many families will choose to pay in advance after buying a house for a period of time with sufficient funds. Buyers who apply for partial prepayment should choose to shorten the repayment period instead of reducing the monthly repayment amount. Many people will choose to reduce the monthly repayment amount when they choose to repay in advance, thinking that this can reduce the monthly repayment pressure in the future, but shortening the repayment period means reducing the interest calculation time and reducing some interest expenses.
202 1 Can I still buy a house?
0 1
Multi-cities relax mortgage age
From last night to today, a marketing poster of "heavy welfare, longest loan period 100 years" was wildly screened, which involved the 10 property owned by Jianfa Real Estate in Nanning, Guangxi and its cooperative banks.
However, according to media reports, this wildly circulated poster has been removed and even denied by relevant parties. According to Cailian, this advertisement was indeed released by the developer in the poster, and the statement that "the longest loan can be made to 100 years old" is also true, but the advertisement has been removed. Beijing business today reported today that when the developer called to inquire, the other party said that there were no related posters.
In fact, there have been news of the relaxation of mortgage age in many places recently. Previously, Nanning, Guangxi, caused widespread discussion because the age limit for housing mortgage loans could be extended to 80. Recently, Hangzhou, Ningbo, Chengdu, Shanghai, Beijing and other cities also reported that "the maximum loan can reach 80 years old, 90 years old and 95 years old".
Take Shanghai as an example. According to Xinmin Evening News, at present, most banks in Shanghai stipulate that the upper limit of mortgage maturity is 70 or 75 years old, but in the specific operation, the mortgage maturity age has indeed been relaxed to 80 years old.
For the extension of the loan period, some insiders said that there are advantages and disadvantages. The advantage is that it can really reduce the repayment pressure to a certain extent, and the disadvantage is that it may be used as a tool for real estate speculation when the property market is hot.
02
People are gone, what about the loan?
In any case, the recent news that the age limit for mortgage loans has been extended has spawned many jokes. After all, according to the data of National Health Commission, the average life expectancy of China residents in 202 1 year was only 78.2 years.
In view of the fact that the lender may have died, but the loan has not been paid off, Fu Yongsheng of Shanghai Guangming Law Firm said that in the long run, house prices will generally rise slowly with the growth of prices and GDP. Heirs will basically choose to inherit the inheritance, but they will also inherit the debt and continue to repay the loan.
In extreme cases, if the house price is purchased at the highest point, the house price plummets, and the total house price is not enough to repay the bank loan. Fu Yongsheng believes that the heir will choose to give up the inheritance, and the bank will auction the house and use the auction proceeds to offset the mortgage. The insufficient part of the bank can no longer be investigated.
03
65438+ 10 The property market picked up obviously.
In addition to the concern about the extension of mortgage life, the housing price index of 70 large and medium-sized cities disclosed by the National Bureau of Statistics today has also attracted much attention from the market.
From the data point of view, among the 70 large and medium-sized cities in June 5438+ 10, the number of cities with rising house prices increased (36 new houses rose month-on-month, an increase of 2 1 month over the previous month; Second-hand housing rose 13, 6 sets more than last month).
From the perspective of cities, housing prices in first-tier cities rose month-on-month, while housing prices in second-and third-tier cities slowed down. Among them, the prices of new houses in Shanghai and Hefei led the country, and the prices of second-hand houses in Beijing were among the top gainers.
Yan Yuejin, research director of Yiju Research Institute, pointed out that according to the simple arithmetic average calculation, the price index of new houses in 70 cities nationwide was flat in June 5438+ 10, the first time since February 2022, or the first time since June 5438+02. Although there are some seasonal factors, it also shows that the momentum of house price recovery has increased.
How about buying a house with a loan at the end of the year?
; ? With the central bank cutting interest rates five times this year, the bank mortgage policy is also good. Many people want to borrow money to buy a house at the end of the year, but the bank may be a little short of funds at the end of the year. Will the audit be stricter? How much discount can I get for buying a house with a loan? How to get more loans? Below, let's introduce these answers.
1. Will bank loans become more difficult at the end of the year?
The loan situation of major banks this year is still relatively good. On the one hand, because the central bank cut interest rates five times in a row this year, the liquidity of market funds remained abundant; On the other hand, banks are also responding to the national policy orientation of dissolving inventory and accelerating housing consumption.
Second, how much can the minimum loan discount be achieved now? What is the lending speed?
Now most banks can get a 10% discount on the first suite. If the loan amount is more than 2 million yuan, you can apply for a discount at HSBC. For the second home loan, the bank still continues to implement the benchmark expected annualized interest rate increase of 10%, maintaining the 70% down payment unchanged. The loan interest rate is about one and a half months.
Third, is there any way to let yourself borrow more money?
Banks generally give preferential conditions to high-quality customers. Of course, every bank is different Buyers who can get a lower expected annualized interest rate must go through certain audits. Usually, the audit threshold will include the customer's employer, monthly income, down payment ratio, amount and specific information of the property.
For example, customers working in large state-owned enterprises can generally enjoy higher discounts; Secondly, while judging the customer's qualification, the expected annualized interest rate of bank loans to different properties is also different. If you have strategic cooperation with banks, you can generally get higher expected annualized interest rate concessions. On the other hand, some banks have certain restrictions on the area where the property is located.
In fact, ordinary citizens don't know whether they are quality customers, so in terms of "solvency", we should list more favorable conditions, such as annual household income, family financial assets and other family assets. If they are all good, then the possibility of obtaining loans smoothly will be higher. In addition, the public is advised to consult several banks for comparison and selection.
What are the procedures for buying a house loan in Zhangjiagang? Can a second-hand house be loaned by the bank at the end of the year?
There is no problem with the loan. You only need to provide the bank with the purchase contract, real estate license and personal information, and the bank will evaluate your property and then decide how much to borrow. It's not that banks don't lend at the end of the year. Banks still make money from this business.