Six different crowd loan strategy
Posted on Feb-29-2008· by china investor
The advantages of a house loan "to spend tomorrow's money today's round dream," but a series of interest rate loans for the purchase of a crowd some psychological pressure. With fiscal awareness of the people, more concerned about how the loan money, "Wei-chia Agilent" expert interviewed by reporters and said, as long as the proper method of repayment, it is possible to find a mortgage to reduce the pressure on the mortgage burden good way, and for different borrower groups cited six kinds of ways to save money repayment.
1, the fixed rate of interest than "stability" and will not accompanied by "Crazy" rose.
The greatest advantage of the fixed interest rate is locked interest rate changes in advance for the mortgage to reduce the interest rate increase repayment pressure. The duration of the loan regardless of how changes in market interest rates, the borrower can pay interest according to a fixed interest rate, will not Suihangjiufu that "the interest rate increase once a headache."
2, preferential policies relief fund for the public "consumption."
Provident Fund have low interest rates, low down payment, the borrower relative relaxation of age for repayment freely, transaction processes, such as speed advantage. So far, the companies in Beijing, the enterprise fund will pay for staff, no matter what class are more applicable to mortgage fund. Also, if not a house, a mortgage to the retirement age, provident fund deposit balance can also return home loans, the benefits of a lot.
3, the principal and interest of matching simple, easy loans arranged plan.
To the borrower equal to the amount of monthly loan repayment of principal and interest, not only to facilitate their own repayment mortgage at the same time, more than money if it can be reasonable arrangements for other investment projects.
4, matching the principal to prepayments, and also the more easily.
If buyers in the initial loan prepayments factors to consider the case, matching the principal repayment will save some more interest, because although the principal matching funds early pressure, but pressure to reduce future, with the passage of time, The final repayment to the more easily.
5, every fortnight for a half months also applies to the salaried class.
This method's advantage lies in repayment the same amount of the loan period the same basis, matching biweekly for the principal and interest than the interest also much smaller, more appropriate in this way have a good cash flow stability salaried class.
6, balloon loan "break" the traditional way for high-income groups.
Is a new balloon loan repayment mortgage products, part of its interest and principal amortization, and the remaining principal due a lump sum payment. Plan a shorter period of real estate borrowers, expected future revenue will increase significantly, high-income people more suited to the way loan.
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