How to buy the most cost-effective:
1, average capital repayment method
The average capital is simply a form of less and less monthly repayment as time goes on. Generally speaking, repayment interest is much more cost-effective than equal principal and interest. However, people who choose this repayment method should also pay attention to the fact that for users with little economic budget at hand, everything has been returned at the time of purchase. If they choose the average capital repayment now, the funds in the early stage can't be allocated reasonably, which may lead to the situation that the funds can't turn around, and the pressure will be very great.
2. Equal principal and interest repayment method
Matching principal and interest means that the amount is the same every month, and it is fixed every month, which is relatively simple to operate. Judging from the repayment interest, it is much higher than the average capital. People who choose this repayment method can make reasonable arrangements for their monthly income, but if some consumers have the ability to repay in advance, this repayment method is not cost-effective, because the repayment principal with equal principal and interest is increasing every month and the interest is decreasing every month. In previous years, the interest was more than the principal, which should be said to be the total amount.
3, the use of provident fund loans
At present, according to the timetable of relevant departments, developers cannot refuse users to use provident fund loans, so it is very cost-effective for users who want to repay provident fund loans. Generally, the interest rate of purchasing provident fund loans is lower than that of commercial banks, and the amount of provident fund loans varies from region to region. For some friends with insufficient provident fund loans, it is recommended to choose a combination loan, which is very cost-effective and economical.
Article summary: The above is the most cost-effective loan introduction for buying a house, hoping to bring you some help. For property buyers, the length of the loan period is really difficult to decide. If you can't afford to taste more at present, it means that you have to pay a lot of interest as time goes on. If you want to choose a short-term repayment method, the high monthly pressure in the early stage will make people breathless. Bian Xiao believes that it is of course the most cost-effective for users with provident fund to repay with provident fund. If there are no users of provident fund, it is best to do what you can according to your actual income and affordability.