3. The review of provident fund loans is relatively strict, with a maximum loan of 300,000 yuan. Many developers are reluctant to make provident fund loans.
4. Commercial loan: for example, the loan is 300,000 yuan, which is about 6.5438+0.5 million yuan for more than 20 years. Pay attention to your income, because there are two methods: equal principal and interest and average capital.
1) Equal principal and interest: the same amount is paid every month (that is, the average monthly principal and interest for 20 years). The advantage is that the early pressure is small, and the disadvantage is that it is not cost-effective to repay the loan in advance.
2) Average capital: After the principal is repaid in equal amount every month, the interest will be calculated according to the remaining principal. At the beginning, there were many principal and interest, so the repayment amount was large. The advantage is that the monthly decrease can reduce interest expenses, which is very suitable for families who want to repay their loans in advance. The disadvantage is that the initial pressure is large.
In short, if you really want to borrow for 20 years, the matching principal and interest will be tens of thousands more than the average capital, which is very different. The advantages and disadvantages are all analyzed for you, so you can choose according to your actual situation. :)
How dare you buy a house? Dare to buy a mortgage? ! I want to tell you calmly: for us ordinary people, buying a house with real estate mortgage is essentially an expensive personal consumption, not an investment. I want to draw your attention to this point in particular, because it is closely related to our discussion below.
The root of the real estate boom should be traced back to the Asian financial crisis of 1997. China's export was frustrated, so it had to start state investment to promote economic development. As a lever to stimulate the economy, real estate is naturally valued. 1997-2000, due to the lack of good investment projects and the fact that house prices are at the lowest point, some business owners and wealthy individuals became the backbone of buying houses. As a result, the real estate market began to recover slowly.
However, after 2000, the subject of buying a house has changed. Influenced by the demonstration effect of rich people buying houses, some relatively wealthy middle classes began to join the ranks of buying houses. As the number of people in this class far exceeds that of the wealthy class, house prices have started to rise.
When the middle class basically finished buying, ordinary people in need, that is, wage earners, began to realize the soaring housing prices, and they also joined the ranks of buying houses. Because of their large number, house prices began to soar. Coupled with the sluggish stock market and the influx of funds into real estate, the speculative bubble began.
The main body of mortgage to buy a house is the working class with the least purchasing power. It is precisely our working class who buy a house with the highest mortgage price. This is the problem. Of course, there are some speculators, but we ignore them here.
What exactly is a mortgage? There are many media who think that mortgage is a good thing. Mortgage allows you to enjoy in advance, and mortgage makes your dream come true. But in essence, mortgage will make you heavily in debt. Let's take a look at the mortgage process. You buy a house and apply for a mortgage. The bank pays the money to the developer and the developer gives you the house. You took on the debts of the bank and signed a mortgage contract. In this case, the developer is naturally the least risky, so I won't mention it. The bank makes money, you take the house, and everyone is happy. You don't have to pay rent, which saves a lot of money. Cool! But there are a few questions that you should pay attention to before enjoying:
First, the bank loan interest rate is not locked, and the bank interest rate is at an all-time low. Let's recall that China's financial history is a history of inflation or deflation. Considering medical care, education, real estate, etc., has the purchasing power of RMB really increased? Should a developing country have more inflation or more deflation? Can our wages really keep up with inflation? According to the current trend, China's deposit and loan spreads will widen. Please think it over for yourself. If the one-year deposit interest rate is raised to the historical average level of around 4%, pay attention to the deposit interest rate. When the long-term loan interest rate reaches 7% or higher, what will you really pay for the house? The current loan interest rate is not true, which makes some people who simply can't afford to buy a house eligible to buy a house!
Second, although you bought a house by mortgage, the house is not yours, and the decline in house prices is directly related to you. Personally, buying a house and financial leasing are similar to owning a property by stages. They are all paid by installments, and the subject matter belongs to the individual after the expiration. Generally speaking, the equipment leased by financing can generate benefits and be used to pay the installment payment; However, buying a house by mortgage loan can not only produce benefits, but also you have to spend a lot of money on decoration, monthly property fees, heating fees and so on. , plus the opportunity cost of a 30-year down payment, and the interest you pay. You can calculate how much money you spent. I'm not saying that you shouldn't spend the money, but are you still so confident compared with your income? Do you still think you saved the rent?
The similarity between the two is that if you can't pay the installment, the lessor will take the assets. I see, the house is not yours, but you rented it from the bank. For you who have a mortgage, you used to work for the landlord, but now you work for the bank. It's cruel, isn't it, but this is the reality.
If the economy is depressed and house prices fall, it will have a great impact on you. The house price in Shanghai is 6000 square meters, and the per capita income of Shanghai people is one year 15000. It takes 30 years for a person to buy an 80-square-meter house a year without eating or drinking. There is no doubt that there is a bubble in real estate. If the house price falls, say, from 500,000 to 400,000, and the bank interest rate rises again, you are using the original loan to support your current house, which is naturally a month's supply and a month's loss. If you lose your job or your salary is reduced, you may only get a house.
Finally, a problem that everyone ignores is the depreciation of the house. How to calculate the house depreciation? According to foreign practice, it is generally spread every 30 years, which is 3.33%/ year. Our country is similar. But note that people's amortization is based on buildings and land. For us personally, what needs to be amortized is only the price of the house. But think about it, can our house be depreciated in 30 years? Not much to say, lest those so-called homebodies be scared.
I have many such friends around me. They just graduated and settled in Beijing. I want to buy a house because I want to get married. But what if there is no money? Only family support. The general practice is that the man pays the down payment and the woman pays the decoration money. I believe everyone has seen a lot. Then the young couple began to work, and Qi Xin provided the house together. But think about both parents, if it weren't for corrupt officials, they basically contributed.
The house is bought, and the beauty is holding it. Nature is extremely happy. But think about it, I'm really worried about this kind of property buyers. Think about it. You spend your parents' money today and your parents will spend your money tomorrow. Medical prices skyrocketed, education prices skyrocketed, and house prices skyrocketed. This is not deflation that the government has been advocating in previous years, but inflation! Comrades who are eager to buy a house and get married forget their parents, their children and everything. When the house is built for the child, if the child has enough energy, give it to his parents. If they have no energy, they will be left to their own devices. If you have an operation or something, it is estimated that the outcome will not be so good. There are so many unfilial descendants now, I think it's not that they don't know filial piety, but that they just can't catch it.
I want to remind most young people to think about it. Of course, besides cows, have you ever thought about how to arrange your life? Have you calculated how much money you have to earn to meet the most basic medical care, education, pension and support expenses for yourself, your children and your parents? Today you are overdrawn. What will you do tomorrow? By the government's pension insurance? Start your own company? Still counting on winning the lottery? The problem is that you are still paying for the house and still in debt. What would you do? I believe that most people have never thought about it, let alone let them think about it. I'm sure that if you really make a financial plan, most people will realize how extravagant buying a house is for them.
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