Calculation method of domestic interest rate. There are three different interest rate calculation methods for overseas housing loans: full floating interest rate, national fixed interest rate and time-limited fixed interest rate.

1. Full floating interest rate

The whole floating interest rate is affected by the fluctuation of interest rate in the buyer's market. If this method is chosen, the buyer will bear greater risks. When the market interest rate is high, the loan is repaid at a high interest rate, and when the market interest rate is low, the loan is repaid at a low interest rate, and the bank is completely risk-free. Generally speaking, this method is suitable for short-term loans, and it is more cost-effective to buy a house at the market interest rate level;

2. Completely fixed interest rate

The whole process is fixed insurance. If you choose this method, the risk borne by the buyer will be less. But if it is in the case of high profits, it may not be cost-effective for the buyer. It is expected that there will be a possibility of interest rate cuts, so after high interest rates, you will not enjoy the benefits of future interest rate cuts. Therefore, when the interest rate is at a high level, the consolidated interest rate is not recommended, but should be adopted at a low interest rate level. Moreover, it should be noted that in order to ensure their own income, banks may, for example, determine the current interest rate of 3.7% with buyers.

3. Fixed interest rate for a limited time

This is a compromise, which is very attractive to buyers. For example, the loan application period is 30 years, and the fixed interest rate is adopted in the first five years, but it will be slightly higher than the floating interest rate in the first year, so the fluctuation risk brought by the floating interest rate. At the same time, because domestic buyers are keen to repay the loan in advance, they have completed the prepayment in five years, enjoyed lower interest rates and lower total expenditure costs. Even if there is no prepayment, in the sixth year, the buyer can reconsider. These three methods are highly active. The term of interest rate can be fixed from 1 year to 10 year or longer.

When buying a house abroad, the interest rates offered by various banks can be negotiated with it, which is completely market-oriented, and it will be happy to provide lower asset interest rates. For high-risk buyers, interest rates may be raised, the down payment ratio will be increased accordingly, and the risk of banks will be reduced.

Second, what is the difference between the loan interest rate and deposit interest rate of foreign banks and China?

Cash and cash are two different forms of foreign exchange assets held by China residents. Theoretically speaking, cash refers to foreign exchange deposits remitted from foreign banks to China, and international settlement vouchers such as bills of exchange, promissory notes and traveler's checks that banks can directly account for through electronic cost-effectiveness ratio. Cash refers to foreign currency notes held by domestic residents. Of course, your deposit in the bank should be in cash. Someone remits money to your account from abroad, that is, remits cash. In addition, the exchange of Japanese yen = US dollar is handled in China Bank. When you put it into the passbook of China Bank, the cash of C foreign exchange will be displayed. The buying prices of these two foreign exchange banks will be higher than cash, and this cash will be lower than cash. First of all, the buying price refers to the exchange rate used by foreign exchange banks to buy foreign exchange, and the selling price refers to the exchange rate used by foreign exchange banks to sell foreign exchange. Foreign exchange at this time refers to foreign exchange deposited by foreign banks, such as US dollars. Therefore, the buying price and selling price in the foreign exchange quotation are the spot exchange rate. Secondly, the spot price is the price used by foreign exchange banks to sell the spot. Cash at this time refers to foreign exchange cash (paper money), not foreign bank deposits. Thirdly, because cash and cash are two different concepts, when a bank buys cash, it can directly transfer the purchased foreign exchange to its foreign bank account, and there will be no interest loss. However, when buying cash, it needs to be kept in the bank's inventory for a period of time, so that enough cash (such as 1 10,000 USD) can be deposited in other banks to earn interest. Therefore, there is interest loss when a bank buys cash compared with buying cash. Of course, this part of the loss is borne by the party who sells the cash. Therefore, in the bank's quotation, the cash purchase price is definitely lower than the cash purchase price, and this law will never change, just as the deposit interest rate is always lower than the loan interest rate. Finally, the selling price of cash is the same as that of cash, because in this case, the bank has no interest loss, right? Therefore, the bank separately indicates the cash buying price, and there is no cash selling price. Therefore, if your dollar assets are not in the form of foreign bank deposits or payment vouchers (such as bills of exchange, promissory notes, telegraphic transfer vouchers, etc.). ), you have to pay in cash to lose a little. If you sell the cash to the bank, you are selling your foreign exchange deposit in a foreign bank to the bank. This foreign exchange deposit was transferred from your name to the bank's name from the moment you sold it to the bank. As long as the bank does the corresponding accounting treatment, it can immediately get this foreign exchange deposit in a foreign bank and start calculating interest immediately. If the bank buys cash, because it can't be used in the local circulation of the transaction and needs to be shipped abroad, it can't get the deposit and interest immediately, so it has to pay a handling fee to keep the cash. Only when the cash has accumulated to a sufficient amount can the bank transport the cash abroad and deposit it in foreign banks. Banks can obtain foreign exchange deposits in foreign banks and start earning interest. The specific expenses that banks need to pay to receive and cash banknotes include: cash management fee, transportation fee, insurance fee, packaging fee, etc. These expenses are reflected in the difference between the cash purchase price and the cash purchase price.

3. What is the difference between foreign loan interest rate and domestic loan interest rate? How many choices are there?

The difference between domestic and foreign loan interest rates is mainly reflected in the choice of interest rate calculation methods. There are three different interest rate calculation methods for overseas housing loans: full floating interest rate, national fixed interest rate and time-limited fixed interest rate.

1. Full floating interest rate

The whole floating interest rate is affected by the fluctuation of interest rate in the buyer's market. If this method is chosen, the buyer will bear greater risks. When the market interest rate is high, the loan is repaid at a high interest rate, and when the market interest rate is low, the loan is repaid at a low interest rate, and the bank is completely risk-free. Generally speaking, this method is suitable for short-term loans, which will make it more cost-effective to buy a house when the market interest rate is low;

2. Completely fixed interest rate

For the whole fixed interest rate, the risk of market interest rate fluctuation is borne by the bank. If you choose this method, the buyer will bear less risk. But if it is in a period of high interest rates, it may not be cost-effective for buyers to fix interest rates all the time. It is expected that there will be a possibility of interest rate cuts, so after adopting a full-time fixed interest rate during the high interest rate period, you will not be able to enjoy the benefits of future interest rate cuts. Therefore, when the interest rate is at a high level, the consolidated interest rate is not recommended, but should be adopted at a low interest rate level. Moreover, it should be noted that in order to ensure their own income, the interest rate determined by the bank and the buyer will be higher than the current interest rate, such as the current interest rate of 3.7%, and the bank may finalize 5.4%;

3. Fixed interest rate for a limited time

This is a flexible way of compromise, which is very suitable for current buyers in China. For example, the loan application period is 30 years, and the fixed interest rate is adopted in the first 5 years. Although the interest rate during the five-year period will be slightly higher than the floating interest rate in the first year, it avoids the risk of fluctuation caused by interest rate hikes in the next five years. At the same time, because domestic buyers are keen to repay the loan in advance, they have completed the prepayment in five years, enjoyed lower interest rates and lower total expenditure costs. Even if there is no prepayment, in the sixth year, the buyer can reconsider choosing among these three ways again, so the flexibility is very high. The term of interest rate can be fixed from 1 year to 10 year or longer.

When buying a house abroad, the interest rates offered by various banks can be determined through consultation and are completely market-oriented. For high-quality customers with superior assets, banks will be happy to offer lower interest rates. For high-risk property buyers or planned properties, banks may not only raise interest rates, but also increase the down payment ratio accordingly to reduce bank risks.

4. What does overseas finance mean?

In fact, overseas financing is mainly through the capital market and money market. The most common are stocks and debt. But it can also be divided into endogenous financing and exogenous financing, which is not much different from domestic financing, but only the difference of development degree and supervision. The financing method has remained basically unchanged.

Overseas financing refers to raising liquidity and medium-and long-term funds needed for enterprise development through overseas financial markets. The purpose is to enter the market with more favorable capital cost, expand the availability of enterprise development funds and reduce the capital cost.

The main financing methods of overseas financing include overseas bond financing, overseas stock financing, overseas investment fund financing and foreign government loans.

Financial leasing, also known as financial leasing, means that when the project unit needs to purchase technical equipment but lacks funds, the lessor buys or leases the required equipment on its behalf, and then rents it to the project unit for use, and the rent is recovered on schedule. The total rent is equivalent to the sum of equipment price, loan interest and handling fee. When the lease expires, the project unit, that is, the lessee, obtains the ownership of the equipment through symbolic payment. During the lease period, the lessee has only the right to use and the ownership belongs to the lessor.

The ways of financial leasing include: fair leasing, leaseback leasing, subletting and direct leasing.