Which bank mortgage is the best deal?
1. The policies of commercial banks are different, but most of them implement the minimum interest rate stipulated by the People's Bank of China. Under 144, the first loan can reach 80%, with a downward float of 30%. However, housing loans above 144 are different. For example, Shanghai Pudong Development Bank requires that it must be a well-qualified customer, or a Fortune 500 enterprise, civil servant, doctor, lawyer and securities industry. And there must be no bad credit record, so the building area 144 is ok, otherwise it will only drop by 15%.
2. In addition, only the four major banks of China Agriculture, Industry and Construction are eligible for provident fund. Considering that retirement can only lead to depreciation, the use of provident fund loans can not only maximize the effectiveness of provident fund, but also reduce the monthly repayment pressure. However, the interest rate of agricultural and industrial construction loans in China seems to be higher than that of commercial banks, so many people who borrow from the four major banks often issue long-term loans and often lend to commercial banks.
It's up to you how to do it. If you only go to commercial banks, attracting investment and Pudong Development will feel good. However, the account manager of China Merchants likes to pester and fool people. Pufa is still professional.
4. In addition, you don't need to find a bank to lend on behalf of customers, so it is easy to get income certificates and passbooks, and not all departments in the banking system enjoy them. The credit card center is also responsible for credit cards, and the information seems to be provided unless the bank people copy your information themselves.
Which method is better for mortgage repayment?
There are three main repayment methods for buying a house by loan: matching principal and interest, average capital, and one-time repayment of principal and interest.
1. Repay the principal and interest on a monthly basis. This repayment method has the same repayment amount every month during the loan period. This will help you remember the repayment amount and make a good income and expenditure plan.
2. Repay the principal in equal amount every month. This kind of repayment is to share the principal evenly throughout the repayment period, and calculate the interest on a daily basis according to the loan principal balance. This repayment method is different every month, and it is decreasing every month. This comparison is aimed at borrowers who have strong repayment ability at the initial stage of the loan and want to pay a large sum at the initial stage of repayment to reduce interest expenses.
3. One-time repayment of principal and interest. This repayment method has a limited loan period and can only apply for a one-year loan. There was no repayment pressure at first, but it was time to repay. The pressure is great. Unless you are absolutely sure that you can repay within the repayment period, this repayment method is not recommended.