In 2023, the interest rate of CCB will be lowered by 20 basis points, and the one-year interest rate will be lowered from 1.95% to 1.75%. This is the first time that CCB adjusted interest rates in 2023.
Second, a large number of mortgages are suitable in 2023.
Legal subjectivity: With the rise of housing prices, many buyers can't pay for it in one lump sum, so you will choose to buy a house with a loan. Therefore, scientifically choosing the loan amount can help buyers do the right thing with the least money. Therefore, every property buyer needs to make careful calculations and reasonable arrangements according to different economic conditions. Next, let's take a look at the following contents to see how many years a house loan is suitable. 1, family income In fact, the length of the loan should be selected according to the family income, and the proportion of personal housing mortgage repayment to the family's monthly disposable income should be controlled at 28% to 35%. Generally speaking, the shorter the loan amount, the less interest the borrower pays to the bank, but the higher the monthly repayment amount, the greater the repayment pressure; On the contrary, the longer the loan period, the higher the borrower's interest, but the monthly repayment amount will be reduced, and the repayment pressure will be reduced accordingly. Therefore, the choice of loan term for several years is mainly determined by the family income level. The general principle is to ensure that there is a slight surplus in repayment ability in addition to the monthly living expenses. If it is too tight, it may affect the borrower's personal credit record. Although the interest payment period of the loan is as long as 30 years, if the borrower's income is not high and relatively stable, it is also suitable for long-term loans, so the burden this month is very small. If the loan term is short, the monthly repayment pressure is high, which will affect normal life. 2. Capital cost The loan term should also consider the borrower's capital cost. For those who have investment channels, long-term loans are more favorable, and they can be invested with free funds. The return on investment is enough to repay long-term loans and there is a surplus. For those who have not made other investments, the first time to consider in addition to loans, to avoid excessive interest payments. Short-term loans should be more appropriate. 3. The house price cannot exceed the actual repayment ability. Although buying a house with a loan can spend tomorrow's money to do today's things, we must control our effective solvency within the overdraft limit. The purchase amount of ordinary property buyers shall not exceed 6 times of the annual household income, and the monthly repayment shall not exceed 60% of the monthly income. For investment buyers, we should fully consider the cost of capital, because the bank's loan interest rate is not static. It would be nice to have a lot of down payment. The down payment of the buyer shall not be less than 20% of the total price, and the loan application amount shall be subject to the smaller down payment. If you choose a small down payment, you can use other funds for other investments. Therefore, if the buyer has extra deposits and other good investment methods, he can choose the minimum down payment, because the return on other investments may exceed the loan interest. If there is no good investment method. If you exceed the deposit, you still choose to pay the down payment, because the loan interest is much higher than the deposit interest. 5. The repayment period should be appropriate. The shorter the loan term, the smaller the monthly amount. Choose the repayment period according to your future income and expenditure and your life stage. For loans with the same amount, choose the option that the ten-year repayment period exceeds twenty years, but the total amount needs to be paid off within twenty years. According to experts' analysis, 15 to 20 years' housing loan is generally a more appropriate summary: the years of our housing loan are introduced above, and buyers choose their own loans to reduce costs and make funds play a greater role.
3. Is it appropriate to buy a house in 2023?
My opinion may be different from others. My point is: just need to buy a house in 2023!
1, affected by the epidemic, the socio-economic environment is depressed, exports are reduced, people are needed, epidemic prevention and control, shops are closed, and they put themselves in a safe place and stay at home. Buying a house without money is undoubtedly worse. (Those with good economic conditions and high incomes in the previous two years are doing well. That's no problem, but this year's situation will not be enough, which will directly reduce the quality of life and put a lot of pressure on repayment. )
2. Real estate will affect the whole body. A single real estate, connected with hundreds of industries, depends on real estate for economy and demand. This year's work conference will also usher in a rise in 2023, with a high degree of heat, and the price will naturally not drop much.
3. Affected by the epidemic, the financial burden at all levels is very heavy, so real estate. Land auction is expected to usher in a peak, the cost will not fall, and the house price will naturally not fall.
4. Compared with the economic recovery in 2023, everyone has money, the real estate fever has returned to normal, urbanization has been completed, and after urbanization, they have established a family. After the demand is reduced, there is basically no demand for buying a house (most parents have housing security for half a generation, and grandparents with good conditions have a set). At this time, the house is no longer a hot spot of speculation, nor is it a product of financial management. Return to self-hype!
Fourth, how many years of mortgage is the most appropriate?
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