It is more cost-effective to borrow from the provident fund. You can keep it for 20-30 years. Although the long-term total interest will be higher, but the monthly repayment pressure will be less, you can also apply for provident fund to repay the loan and make full use of the provident fund to repay the loan.
In addition, considering the problem of inflation, the money now is more valuable than the money in the future. During the loan period, you can invest or deposit money in the bank to collect interest, or you can use it to repay the loan interest.
Two, housing provident fund loans for how many years?
Of course, the interest rate of the provident fund is low, and the money in the provident fund account can also be used up, and the interest rate of bank loans is high!
Third, provident fund loans, the longer the loan time, the better? What is the reason?
I think the longer the provident fund loan, the better, because the interest rate of the provident fund is very low, and the extra money on hand can be used to run inflation. It is cost-effective to use provident fund loans.
Four, housing provident fund loans for how many years?
There are many housing provident fund loans.
When many people plan to buy a house, they will think in their minds whether to buy it in full or by loan. If you buy a house by loan, is it better to use provident fund loans or commercial loans? There are many questions about the details of the loan, which also confuses many property buyers.
According to an authoritative financial media report, you must borrow as much money as you want. The reason is that, in fact, China will be in a state of high inflation, low interest rates and even long-term negative interest rates for a long time to come. If you borrow money from the bank to run your own business, you will actually make money.
Recently, the central financial and economic leading group meeting proposed that real estate must be destocked and financial risks must be prevented. Data show that real estate loans account for 22% of all loans. If real estate, real estate loans will appear financial risks!
20 15 throughout the year, the state and local governments helped individuals to buy houses with loans. The interest rate of commercial loans dropped from 5.9% at the beginning of the year to 4.9% at the end of the year, leaving a lot for the majority of house slaves.
Hard money. The loan interest rate with a term exceeding 3.25% is the lowest in the past 20 years. Obviously, the provident fund loan to buy a house is the most obvious.
How many years is the best loan? The interest rate of investment is greater than the mortgage interest rate. 4.9, and the investment income is greater than 7%. Then the money on hand has created another 2. 1%.
Here I suggest that, in terms of years, if you borrow it for the longest time, you can borrow it for 30 years if you can. If you can find investment projects that are higher than the mortgage interest rate every year.
(The above answers were published on 20 16-02- 15. Please be honest with the current purchase policy.
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