Anti-loan is to borrow money from the bank when you pay the full amount in one lump sum.

It is an unusual policy that the bank pays the money to the developer and the developer returns the money to you according to the corresponding distribution rate.

I. Housing loan

1. When buying a house with an equal principal and interest loan, the formula for calculating the monthly repayment amount is:

[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]

Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.

2. When buying a house with an average capital loan, the formula for calculating the monthly repayment amount is:

Monthly repayment = monthly principal, monthly principal and interest

Monthly principal = principal/repayment months

Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate

Calculation principle of average capital interest rate: the amount of principal returned every month is always the same, and interest will decrease with the decrease of remaining principal.

Second, car loans.

(1) loan method

1. Buying a car by installment with a credit card is not buying a car with a credit card in the general sense. The amount and repayment interest rate are greatly limited, and the amount of credit card swiping cannot exceed the credit limit of credit card, which is suitable for consumers who lack a small amount of car purchase funds.

2. Auto Finance Company loans SAIC-GM and Toyota Auto Finance Company have achieved profitability, and auto finance is being regarded by auto companies as a magic weapon to save the depressed auto market.

3. Bank personal car loan is a guarantee loan provided by banks and car dealers to the car buyers for one-time payment of the required funds, and provides insurance and notarization for car buyers in conjunction with insurance and notarization institutions.

(2) Handling procedures

First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.

Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract.

Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.

What conditions do I need to meet to apply for a housing reverse mortgage loan?

To apply for housing reverse mortgage loan, you need to meet the following conditions: you and your * * * applicant (spouse or others) must be at least 62 years old, and you must own a property house, and this house is your first house. Before applying for a reverse mortgage loan, your house can have a loan secured by the house or no loan. If your house has a loan, the housing reverse mortgage will repay the existing loan for you first.

What is anti-lending?

Reverse loans are rams (Reverse Annuity Mortgages), also known RAMS(reverseannuitymorthes loans, which refer to loans in which borrowers mortgage personal real estate to banks, real estate mortgage companies and other savings and financial institutions in order to obtain a series of monthly payments and repay them in large amounts of cash at the end of the loan period.

Anti-lending is an unusual loan policy. You borrow money from a bank in a lump sum, and then the bank pays the money to the developer, and the developer returns the money to you according to the corresponding distribution interest rate.

Anti-lending is an unusual policy. You borrow money from a bank in a lump sum, and then the bank pays the money to the developer, and the developer returns the money to you according to the corresponding distribution interest rate.

In fact, there is little difference between car reverse loan and ordinary car loan. In general car loans, the borrower pays the down payment before applying for the loan, then obtains the property right certificate, handles the mortgage registration and buys insurance. However, automobile anti-loan requires the borrower to pay the full amount first, then go to the vehicle management office to go through the formalities and buy insurance, and then go to the bank to handle the loan installment business. As long as the borrower repays in full and on time, there will be no adverse consequences.

At present, housing-based pension loans are widely used.

The so-called real estate anti-mortgage loan mainly refers to the loan issued by the bank with the real estate owned by the borrower or the third party as collateral. If the borrower fails to repay the principal and interest of the loan at maturity, the loan bank has the right to dispose of its collateral or pledge according to law, or ask the guarantor to bear the responsibility of jointly repaying the principal and interest. During the mortgage period, the mortgagor shall not dispose of the mortgaged real estate at will, and the bank, as the mortgagee, has the right to supervise and inspect the mortgaged property. Real estate mortgage loans can be divided into enterprises, institutions, legal persons and individuals according to the loan objects; According to the purpose of the loan, it can be divided into land development mortgage, housing development mortgage, house purchase mortgage and real estate mortgage for other purposes; According to the loan interest rate determination and interest calculation method, it can be divided into fixed interest rate real estate mortgage loan, floating interest rate real estate mortgage loan and adjustable interest rate real estate mortgage loan.