For most buyers, buying a house by loan has become the main way to buy a house, but most buyers often lack the experience and relevant professional awareness of buying a house and know little about buying a house by loan, so they often spend money to buy a house. Bian Xiao summed up the following three most cost-effective ways to buy a house with loans. ?

Keywords: SME owners?

Loan method: commercial loan?

Repayment method: equal principal and interest case reappearance: Mr. Song runs a computer shop in Beijing, with good income and relatively stable customer base. After opening the store for 3 years, there are already two small-sized houses under the name of Beijing. One set is located in the East Sixth Ring Road, with a construction area of 55㎡, and the current house price is 654.38+0.05 million yuan. The other one is located in Beiyuan, with a construction area of 50㎡, and the house price is1.2000 yuan. There are no loans for the two properties under its name. As the store business is booming, Mr. Song also has plans to expand the store. Plus decoration, manpower expansion and inventory filling, the overall budget is close to 1 10,000 yuan. At present, Mr. Song has a deposit of 200,000 yuan on hand, but according to his many years of business experience, this part of the deposit cannot be misappropriated for the time being in case of emergency. So at present, he doesn't know if there is any other way to solve his financing problem, and he doesn't want his repayment pressure to be too great. ?

Expert analysis: SME owners like Mr. Song can choose real estate mortgage consumer loans to solve his financing needs. According to analysis, two properties under Mr. Song's name can apply for personal mortgage loans from banks for the expansion of stores. The loan amount is about 70% of the appraised value of real estate, which means that Mr. Song can apply for a loan of about 26,543,800 yuan from the bank, which is more than enough for store decoration. ?

Financing coup: It is suggested that Mr. Song mortgage two properties under the name of the bank and apply for personal mortgage consumer loans for the operating expenses of small enterprises. At present, mortgage consumer loans are also the first choice for some small and medium-sized business owners. The loan interest rate rises by about 15%-30%, the loan term is 1-5 years, and the repayment method is equal principal and interest repayment. The repayment advantage of equal principal and interest is that the early repayment pressure is small, which is suitable for borrowers with stable income, so it is more suitable for the needs of loan groups such as Mr. Song. ?

Bian Xiao reminded borrowers to know exactly what kind of real estate to buy and how to save money, so as to save real money in the real practice.

Keywords: first-time home purchase?

Loan method: commercial loan?

Repayment method: The average capital case reappears: Xiao Li is a foreigner who has worked in a foreign company in Beijing for more than eight years, with a monthly salary of about 20,000 yuan, stable income, provident fund benefits and no real estate under his name. Now I am going to buy a house in Beijing. The housing area is not too big, but it is enough for individuals to live in. Xiao Li is now concerned about a house with a housing area of 70m2 and a house price of 1.5 million yuan. Xiao Li's parents are willing to sponsor Xiao Li to buy a house with a price of 500,000 yuan, in order to reduce the pressure on his son to buy a house. At present, Xiao Li is hesitating about what kind of loan method should be used for the remaining 1 10,000 yuan house purchase. In addition, Xiao Li has plans to repay in advance, hoping that he will not have too much excess in the total expenditure of buying a house. ?

Expert analysis: For a borrower like Xiao Li who buys a house with a loan from a different place, commercial loans are the first choice. According to analysis, for first-time buyers, there is little difference between the down payment of commercial loans and provident fund loans at present, but the repayment interest rate is slightly different. However, the loan amount of commercial loans is relatively high, which can meet the loan amount required by Xiao Li. Therefore, it is suggested that Xiao Li choose commercial loans, and some banks still have relatively affordable policies for borrowers of the first suite. In the case of good personal qualifications, you can still apply for a preferential interest rate of 15%. ?

Coup to buy a house: It is suggested that Xiao Li choose a commercial loan, and the repayment method is average capital. On the one hand, Xiao Li has plans to repay in advance. On the other hand, although the pressure of prepayment in average capital is great, compared with the equal principal and interest repayment method, average capital can save a part of loan interest and reduce the total expenditure on house purchase. Therefore, considering two factors comprehensively, the average capital repayment method is more suitable for buyers with needs like Xiao Li. ?

Keywords: second home purchase?

Loan method: provident fund loan?

Repayment method: free repayment case reappearance: Ms. Zhang is a Beijinger, working as a financial manager in a public institution, with a monthly salary of about 10000 yuan, stable income and enjoying provident fund benefits. She has a property in her name, which was purchased by commercial loan 65,438+00 years ago, and now the loan has been paid off. Ms. Zhang hopes to improve her parents' living conditions and buy a small apartment for her parents so that they can live in a better house. After work, Ms. Zhang accompanied her parents to see the house. A house with a housing area of 65㎡ and a house price of 654.38+0.25 million yuan is particularly attractive to the old couple. Ms. Zhang herself has a deposit of nearly 450,000 yuan, and her parents also have a deposit of nearly 65,438+10,000 yuan. This is the second property purchased by Ms. Zhang. Because she doesn't know much about the loan policy of the second suite, it is a bit difficult to choose what kind of loan method. Although the remaining loan amount of 700,000 yuan is not too high, Ms. Zhang does not want her prepayment pressure to be too great. In addition, Ms. Zhang has the willingness to repay in advance. ?

Expert analysis: For borrowers who buy a second home like Ms. Zhang, provident fund loans are the first choice. According to the analysis, on the one hand, under the premise of retaining the real estate under her name, Ms. Zhang will make a down payment of 60% regardless of whether she uses commercial loans or provident fund loans to purchase the second suite. However, compared with the repayment rate, the benchmark interest rate for commercial loans is 6.55%, the benchmark interest rate for second homes rises by 10%, and the interest rate for provident fund loans is relatively low, although it also rises by 10%, but the relative repayment pressure is relatively small. On the other hand, the provident fund loan can just meet Ms. Zhang's loan quota. Therefore, considering two factors, provident fund loans to buy two suites are more suitable for people like Ms. Zhang. ?

Coup to buy a house: Ms. Zhang is advised to choose provident fund loan to buy a second suite, and the repayment method is free repayment. Because free repayment can set a minimum monthly repayment amount, there is less pressure on prepayment. In addition, the biggest advantage of free repayment is that "money can be repaid at any time", which is more convenient for Ms. Zhang to repay in advance. Therefore, it is believed that free repayment is more suitable for borrowers with needs like Ms. Zhang. ?

(The above answers were published on 2016-12-19. Please refer to the actual situation for the current purchase policy. )

Click to view more comprehensive, timely and accurate new house information.