several points worthy of attention in the five detailed rules of new China are as follows: 1. The purchase restriction has been further upgraded, and the unified standards have been clarified. 2, the second-hand housing tax adjustment, by 1-2% of the total transaction, strictly according to the difference of 2%. 3. A few cities with high housing prices will increase the down payment ratio and loan interest rate of the second home loan. In addition, it is issued in the name of the State Council, rather than the ministries and commissions acting separately, and the specifications are higher.
Several small tricks of mortgage repayment for buying a house by loan, the main contents are as follows:
Mortgage repayment skill 1: Mortgage job hopping
The so-called mortgage job hopping means that the new loan bank helps customers find a guarantee company, pay off the money of the original loan bank, and then re-apply for loans at the new loan bank. If your current bank can't give you a 3% discount on mortgage interest rate, you can completely change jobs and find the most affordable bank. It is understood that at present, most small joint-stock banks are more willing to actively strive for customers. Of course, there will be some inevitable expenses in refinancing, including guarantee fees, evaluation fees, mortgage fees, notarization fees, etc. However, some banks have specially launched "low-cost refinancing" services to attract customers, such as exempting the "guarantee fee", which is the biggest cost, and the remaining expenses are probably less than 1, yuan.
mortgage repayment skill 2: transfer of provident fund to repay the loan
When applying for a portfolio loan for house purchase, on the one hand, try to use the provident fund loan as much as possible and extend the loan period as much as possible, while enjoying the benefits of low interest rate, minimize the monthly repayment amount of the provident fund; Minimize the life of commercial loans and increase the monthly repayment amount of commercial loans as much as possible within the family's economic affordability. In this way, the structure of monthly repayment will show a state of less share of provident fund and more share of business. After the provident fund account is used to offset the monthly payment of the provident fund, the balance can be used to offset the commercial loan, thus saving considerable interest. This article is provided by the mortgage interest rate network.
It is worth mentioning that some banks have introduced the "monthly interest rate adjustment" method. At present, interest rates are in a downward channel. If customers choose "monthly interest rate adjustment", they can enjoy the preferential interest rate reduction in the next month.
mortgage repayment skill 3: biweekly mortgage repayment saves interest
Although the same amount of mortgage is still repaid every month, the biweekly mortgage repayment shortens the repayment period, which is higher than the original monthly repayment frequency, resulting in a faster reduction in the principal of the loan, which means that the loan interest repaid during the whole repayment period will be far less than the loan interest repaid on a monthly basis, and the principal reduction speed will be accelerated. Therefore, the repayment period is shortened, and the total expenditure of the borrower is also saved.
The disadvantage is that the date of repayment to the bank by the lender will be advanced continuously, and one month's loan will be repaid after one year, which will increase the pressure on the lender who is short of funds every month. Therefore, for people with stable jobs and stable incomes, it is still very appropriate to choose biweekly payment. I believe that you can find your own mortgage products and skills in these small tricks of mortgage repayment.
mortgage repayment skill 4: monthly interest adjustment
since p>26, many commercial banks have launched fixed-rate mortgage business. Because the fixed interest rate is in the rising channel of interest rate when it is introduced, it is slightly higher than the floating interest rate in the same period when it is designed. As long as the central bank increases interest rates once, its advantages will immediately appear. But once the interest rate is cut, the buyers who choose it will suffer. Therefore, under the current trend of interest rate cuts, if the citizens used to choose a fixed mortgage interest rate, it would be cost-effective to quickly switch to a floating interest rate. However, it needs to be reminded that changing "fixed" to "floating" requires a certain amount of liquidated damages.
mortgage repayment skill 5: repay the loan in advance to shorten the term
financial planners said that it is necessary to settle the account before repaying the loan in advance, because not all repayment in advance can save money. For example, the repayment period has exceeded half, and the principal in the monthly repayment amount is greater than the interest, so the significance of early repayment is not great?