Buying a car, mortgage or loan are all good choices, which depends on your personal situation and your financial ability.
1, the full amount can enjoy preferential treatment, and the general loan does not enjoy preferential price. If you buy a car with a zero-interest loan, it is equivalent to a discount in disguise. It is ideal if you can get a zero-interest loan on the basis of preferential price.
2, full discount, once again the original price of zero interest rate loans, the most undesirable is the original price of non-zero interest rate loans, unless you really need a car and have no money, otherwise do not choose.
Buying a car by loan is a reasonable way to manage money. Compared with real estate, cars have no value-added potential. If consumers have enough money to buy a car in full, it is better to save money and reinvest it through loans.
Buying a car with a loan can realize the dream of buying a car in advance. Buying a car with a loan can alleviate the pressure of buying a car to a certain extent, and can also control the expenditure well and enjoy the life of owning a car in advance.
Extended data:
Matters needing attention
1. The car buyer must have a relatively stable job, a relatively stable economic income or assets that can be easily realized in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
2. Willing to accept other necessary conditions proposed by the bank. The special dealer referred to in the loan refers to the automobile dealer who is selected by the branches at all levels of the bank according to the financial strength, market share, credibility and other factors of the dealer, and then reported to the head office, and signed an automobile consumption loan cooperation agreement with each branch after confirmation by the head office.
Which is more cost-effective, mortgage or mortgage loan?
Usually, mortgage loans are more cost-effective. The forms of housing loans are mortgage loans and mortgage loans. Mortgage interest rates can reach 15% at the highest, while mortgage loans are generally not discounted, and will rise by 10% according to market conditions.
Most banks have strict approval of mortgage loans, and the approval rate is difficult to guarantee. All major banks recommend mortgage loans, so mortgage loans are easier to pass the examination and approval.
Mortgage loan processing program
The specific procedures for property buyers to apply for real estate mortgage are as follows:
(1) Buyers who want to get real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan.
(3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures.
If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.
Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
(6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.
Housing loan or mortgage, which is more cost-effective?
At present, the housing mortgage loan is cost-effective, but it is limited to operating mortgage.
The current one-year lpr interest rate of housing mortgage loan is 3.85%, and the five-year lpr interest rate is 4.65%. At present, the minimum mortgage loan for housing operation can reach 3.75%.
In a broad sense, mortgage loans include personal consumption loans and commercial loans. Specifically, consumer loans can be used for car purchase, tourism, decoration, medical care, study abroad and other consumer fields, while operating loans are used for commercial purposes as the name suggests.
The biggest difference between mortgage loan and mortgage loan is that mortgage loan is that buyers borrow money from banks to buy houses, while mortgage loan is that borrowers borrow money from banks for consumption or business. Such as car purchase, travel, decoration, medical treatment, study abroad or commercial use.
Is the mortgage cost-effective or the mortgage cost-effective
Not as good as mortgage to buy a house. Housing loan, also known as housing mortgage loan, is the application form for housing mortgage loan filled out by buyers to the loan bank. It is not as good as mortgage to buy a house, because the interest rate of mortgage loan is lower than that of mortgage loan. The longest loan period of mortgage is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China.
Which is more cost-effective, mortgage or full purchase?
Mortgage is better, as follows:
In terms of price, although buying a house in full will cost you a lot of money at once, even your life savings, compared with buying a house with a loan, it can save bank interest and other expenses, and many developers will give certain discounts to commercial houses with one-time payment.
Buying a house in full requires buyers to take out all the purchase money at one time, which is not something that ordinary families can do. Most people's families have to bear great pressure and work very hard in the early stage in order to collect the money. But in the later life, you don't have to bear the pressure of loan, and you don't have to calculate every living expense every day, for fear that you won't be able to pay the loan at the end of the month, so you can arrange all your future plans calmly.
Buying a house with a loan means borrowing money from the bank. You only need to prepare a small part of the house payment as a down payment, and the rest will be paid by the bank for you, so the pressure in the early stage is relatively small. But it is not easy for anyone to bear the debt in the future. You may need to calculate your living expenses every day to ensure that every expense is not overspent, and you can't buy what you want at will.
The risk of buying a house by loan is also relatively small, because mortgage loans are loans from banks to buy a house. In addition to buyers concerned about the quality of the house, the bank will also review it, so that the insurance for buying a house will be improved. As far as most auction properties are concerned, buyers who choose one-time payment will increase the risk of buying a house.
Is buying a house a good mortgage or a good mortgage?
Mortgage loan.
Mortgage loan refers to a loan business conducted by mortgage. For example, housing mortgage loan is a personal housing loan business in which buyers use the purchased housing as collateral and the real estate enterprises that purchase the housing provide regular guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process.
The specific procedures for property buyers to apply for real estate mortgage are as follows:
(1) Buyers who want to get real estate mortgage loan services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) After the purchaser applying for mortgage loan confirms that the selected property is supported by bank mortgage, he should know the bank's provisions on mortgage loan support for the purchaser from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the application form for mortgage loan.
(3) The bank that signed the house purchase contract receives the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specifies the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) mortgage registration, insurance buyers, developers, banks with housing mortgage loan contract, purchase contract to the real estate management department for mortgage registration procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion.
Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
(6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.
The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.