Matching principal and interest refers to a loan repayment method, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period. Equal principal and interest and average capital are not the same concept. Although the monthly repayment amount may be lower than that in average capital at the beginning, the interest paid in the end will be higher than that in average capital, which is also a method often used by banks.
2. The loan term is from the loan date to the repayment date and time. The period from the loan date to the repayment date agreed by the borrower and the borrower. For example, enterprise A borrows RMB 6.5438+0 million from a bank, the date of borrowing is 20 1 kloc-0/,and the maturity date is 201kloc-0/231,so the loan term is1.
1. loan purchase process: step 1: to prepare for buying a house, you must first estimate your actual purchasing power according to your financial strength and repayment ability, and determine the location, area, price, floor and orientation of the house according to the needs of work and life; The second link: house selection: This link is a continuation of the preparatory work, which can be inquired from newspapers, television, internet or related real estate websites. Property buyers need to integrate the advantages of the three media and comprehensively and carefully examine the housing information; The third link: on-the-spot house inspection: choosing a house is a highly technical job. Before choosing a house, you should know the basic knowledge such as floor area ratio, greening rate, pool and apartment type; The fourth link: negotiate and sign the sales contract: after the target is determined, enter the negotiation stage of substantive contact with the seller. Negotiating and signing a sales contract is the most important link in the process of buying a house. Both buyers and sellers should put their rights and obligations into words, especially the key terms such as housing area, payment method and property status. The fifth link: handling loans: At present, second-hand houses can handle commercial loans. According to one's own financial resources and various conditions of the house purchased, comprehensively consider the amount and duration of the loan. The intermediary company shall assist in handling the loan formalities according to the relevant regulations of the bank; The sixth link: the transfer of property rights: the original seller's name should be replaced by a new buyer's name. It is necessary to prepare relevant materials under the guidance of the intermediary company, and then the warrant personnel will assist in the formalities of property right transfer; The seventh link: house occupancy: the house occupancy must pay for water, electricity, gas, cable TV, heating, property fees and other expenses, and the buyer and seller and the intermediary company must sign the Property Delivery Form for the record.