High prices, do not know how many people break the purchase of a dream, and loans to buy a house, buy a house and gave open another window. For most buyers, ready to buy a house since the day, in addition to finding the right house, the most concerned about is the policy of bank loans, mortgage products, payment methods, etc. information.
The reporters learned that many buyers for the bank's mortgage products and repayment is poorly understood. Currently in the cause of the young customers and growing stability in the current work towards middle-aged customers, often choose the same kind of mortgage product and repayment methods.
In fact, in addition to traditional products, banks a lot of individual mortgage products. Recently, this reporter visited a number of banks in Linyi City, to bring a lot of buyers of products and variety of customized mortgage repayment methods available for buyers reference.
the most diverse and flexible repayment methods with the traditional matching
principal and interest, such as matching the principal repayment in different ways, At present, many banks launched a diversified way of repayment, according to the customer's age, occupation, capital, etc., different repayment options tailored to allow customers to easily repay.
Linyi Branch of Shanghai Pudong Development Bank is responsible for an individual to a person Wang Chenggang said it was the young growing business customers the option of repayment of principal equal increments; current job stability, middle-aged customers tend to, you can choose repayment of principal equal decrease.
repayment is based on the two phases and the corresponding interval of increasing, decreasing amount of the repayment of the operation. For example: a loan from Mr. Li were 12, each of the repayment period of 1 month, the first repayment of principal amount of 1 million every 6 months repayment period (ie 6 months) capital increase 5000 element, then the customer throughout the repayment period, monthly payments for 6 months before the principal amount of 1 million, from the first 7 months after the 6 months since the principal amount of monthly repayment of 1.5 million.
areas increased their strength to withstand constantly increasing mortgage repayments, it is more suitable for repayment of principal equal increments.
In addition to these two types of repayment methods, the present, many banks will be combined in different ways to repay, so that the borrower's income and expenses according to their own situation, customized At the same time, so borrowers will adjust the borrower the flexibility in the use of funds based on reasonable financial arrangements for the
Therefore, the income structure is unstable, volatile customer, Wang Chenggang recommends that customers arrange with life stages, for purchase loans, consumer loans, credit loans consolidated choose different combinations of repayment; to pay attention to the flow of funds arrangements, a variety of investment channels to customers, it is recommended to select a different combination of principal repayment.
balloon loan product is the best province in addition to the loan interest rate
way, the bank introduced a variety of mortgage products, including including the combination of loans, provident fund loans, balloon loans. The three interest rates relatively low.
in the same amount and under the same loan period, to pay interest at least, the most money is the balloon loan. The greatest feature of balloon loan is a long short credit for.
a loan, according to Agricultural Bank of China branch of the Department of Ma Shiwei Linyi introduced, the bank introduced the determine the interest rate on, he calculated a longer period for the month, customers in the early amortization of principal and interest, to repay the remaining principal on maturity. Small amount of each installment due early, repayment of the loan amount due at large,
large amount of repayment, customer pressure to repay the loan due. Therefore, the species for the rise of future income, repayment ability, have the ability due to return balance due quality customers.
whole province of balloon loans although the most interest, however, is relatively higher than the other month for several months loan.
addition to balloon loans, of course, is the most economical way to fund loans, commercial loans because interest rates have a relative advantage, whether for or interest on loans are lower than the other way.
and provident fund loans than for higher interest rates and monthly loan product is a combination of balloon loans, portfolio loans are part of the enjoyment of provident fund loans, and the other in accordance with the commercial lending rates.
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