How to use Jinan provident fund loan is the most cost-effective? For friends who want to buy a house, scientifically calculating the down payment ratio and loan method can make them spend less money. For property buyers, it is necessary to truly and objectively understand their own economic situation and divide the provident fund in detail, so that funds can play a greater role in buying a house.
First, when making provident fund loans, friends want to know that the total price of the building must not exceed their actual repayment ability. Although they say they can live in their favorite house in advance through overdraft, they should also know their repayment ability. When making provident fund loans, friends are not advised to buy a house with a total amount exceeding 5 times the annual income. There will be a prescribed repayment amount every month, and it is generally not recommended to exceed 50% of the basic salary.
Second, when using provident fund loans, the down payment should be planned reasonably. The down payment is not the less the total amount, the better. Although choosing micropayment can use other funds for other purposes, the return on investment may not necessarily offset the interest demand.
Third, when making provident fund loans, we should plan the loan period. For ordinary wage earners, the repayment period of provident fund loans is generally 15-20 years, which can reduce the pressure of life every month and the overall interest will be less.
Fourth, at present, the repayment methods of Jinan provident fund loans mainly include equal principal and interest repayment and equal principal repayment. At the beginning of equal principal and interest repayment, there may not be a lot of principal to be repaid, but with the increase of months, the proportion of interest will be more and more, and the pressure will be greater later. If friends use the repayment method of average capital, the monthly interest will be less and less, and the pressure in the later period will be relieved to some extent.
What is the most cost-effective way to make Jinan provident fund loans? The above is the analysis of this problem. I believe friends can understand the correct use of provident fund. The interest of provident fund loans is much lower than that of commercial loans. Choosing such a loan method is very cost-effective and can quickly satisfy friends' dream of buying a house.
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