At present, the housing prices in most cities are tens of thousands. College graduates or people who have worked for several years want to buy a house. How to do the most cost-effective housing loan?

1, using provident fund loans

Although buying a house with a bank loan will generate loan interest, there will still be a lot of loan interest after a long loan period, but among several loan methods, there is also a way with a slightly lower interest rate. The bank interest paid by using provident fund loans is lower than that paid by commercial loans. If the amount of provident fund loan is not enough to pay the house price, a combination of provident fund and commercial loan can be adopted. Generally speaking, consolidated loans are more cost-effective than simple commercial loans.

2. Pay attention to the repayment method

In addition to the choice of loan methods, repayment methods are also optional. Different repayment methods will also affect the cost of buying a house. There are two main ways to repay the housing loan. The first is equal repayment of principal, and the second is equal principal and interest. Take a commercial loan of 500,000 yuan with a loan term of 20 years as an example. If average capital's repayment method is adopted, the total interest paid is 328,864.59 yuan, and the total interest paid is 398,223.63 yuan, which is about 69,000 yuan more than the first method.

Step 3 pay attention to the room rate

Property buyers can start with the purchase cost, reduce the purchase expenditure and achieve the purpose of saving money. Of course, they can also start with the house itself, increase the purchase area and reduce the unit price of the house. When buying a house, don't be confused by the building area. It must depend on the housing purchase rate, housing purchase rate or housing purchase rate. A high purchase rate means that the interior area of the house you bought is relatively large, and a low purchase rate means that the house area is small, so you must be clear when choosing a house. The higher the purchase rate, the more cost-effective it is to buy such a house.

Step 4 seize the opportunity

Buying a house at different times, the cost of buyers is also different. For example, property buyers can seize the real-time opportunity of developers to carry out promotional activities, and they can enjoy the purchase discount. Generally speaking, the subscription period before the start of the first phase of new projects, or the project promotion period during the New Year holidays (such as Mid-Autumn Festival, National Day, New Year's Day, Spring Festival and other holidays) are all good opportunities to enter the market. This is the easiest time to buy a cheap house, and the developer's preferential activities are more real.

Second, how to get the most cost-effective housing loan?

The first trick: choose the best provident fund to repay the loan and save money. There are two repayment methods: (1) one-time repayment method, that is, "annual repayment", in which the balance of housing provident fund is withdrawn every year and the loan is repaid in one lump sum, but the "annual repayment" method must give priority to repayment of provident fund loans, so it is actually early repayment, and most of the savings are the interest of provident fund loans. It is suggested that we can negotiate with the bank to reduce the term of commercial loans at the initial stage of the loan, increase the share of commercial loans in the monthly repayment, and then choose the method of "monthly repayment" to make the balance of provident fund account offset more commercial loans, thus saving interest. (2) Monthly repayment method, that is, "monthly repayment", that is, funds are withdrawn from the personal provident fund account every month to repay the loan principal and interest of the current month. This method is suitable for people with small account balance. If the balance of the provident fund account is insufficient, the borrower shall make up the difference in his repayment account every month to ensure the full repayment of the loan on schedule. The second measure: shortening the term is more economical than repaying the loan in advance. Because banks have the requirement of income-debt ratio (the ratio of monthly repayment amount to monthly income), they generally require a long repayment period, up to 30 years. But later, many people's ability to repay loans was greatly improved. At this time, if idle funds are accumulated and repaid in advance, the effect of saving interest is far less than applying to the bank in time to shorten the loan period. Even better, when the term is shortened, it can be classified into the term category with lower interest rate, and its interest-bearing effect is more obvious. If the original 10 loan is shortened to five years, the interest rate can be reduced from 6.6555% to 6.579%. Every time the loan period is shortened by one grade, the interest rate will be reduced by one grade!

The loan method is divided into average capital and equal principal and interest. According to your situation, the repayment situation is as follows:

1, equal principal and interest:

The loan is 20 years, and the monthly repayment is 1552. 13 (yuan), and the total repayment principal and interest is 37,255,438+00.96 yuan.

Loan 15, monthly repayment 1833.98 yuan, total repayment principal and interest of 330 1 16.05 yuan.

Loan 10 year, with monthly repayment of 242 1.5 1 (Yuan), with total repayment principal and interest of 29058 1.55 yuan.

The loan is 5 years, and the monthly repayment is 4,203.27 yuan, with the total repayment principal and interest of 25,265,438 yuan +096.27 yuan.

You can roughly estimate other years.

2. Average capital

Calculation method of average capital:

Monthly repayment amount =A/N(A-a)r

These include:

A is the total loan amount.

N is the total repayment months (if it is 20 years, it is 240 months).

A is the repaid principal, that is, the number after A/N multiplied by the number of months you have repaid.

R is the monthly interest rate.

Third, I have two sets of housing loans. How to repay in advance is more appropriate? Let's help me figure out which one is more appropriate to return first.

It is also the second set. The total price of the first set is about 700,000, and the loan is about 350,000. The total price of the second set is about 6.5438+0.24 million, and the loan is about 750,000. There is little difference in mortgage interest rates, and the interest rate of the second suite will be relatively higher. Because there are many secondary loans, the interest is high. Early repayment is definitely to choose the second suite for repayment. It is suggested that the subject download a mortgage calculator and calculate it by himself at a glance.

Fourth, what is the most cost-effective way to mortgage?

Hello, the choice of repayment method actually depends on your actual situation. According to the actual situation of different customers, the appropriate repayment methods are different. By comparing the monthly repayment amount and the final repayment interest of the two repayment methods, that is, the equal repayment method fixes the monthly repayment amount in advance under the condition that the interest rate remains unchanged, which is convenient for you to remember. The repayment method in the average capital is to divide your loan principal into equal parts within the loan period, and the loan principal returned every month is the same. Because the monthly repayment interest is calculated according to the loan principal, the repayment method in the average capital requires the customer's repayment ability at first, and the initial repayment pressure will be greater, but the monthly payment will decrease month by month, and the repayment pressure will be relatively smaller and smaller. At the same time, under the condition of constant interest rate, the interest paid by equal repayment method will be higher than that paid by average capital repayment method.