1, Miss Sun and her boyfriend took out a loan to buy a wedding room.
Miss sun and her boyfriend work in the decoration company at the same time, and their monthly income adds up to about 20 thousand. They plan to get married at the end of this year. After discussing with parents, my boyfriend decided to buy a house before getting a marriage certificate. She and her boyfriend pay the provident fund normally every month. Taking advantage of the Dragon Boat Festival holiday, they are going to look at the house first and ask how to get a loan.
Because Miss Sun and her boyfriend are ordinary office workers, it is best to choose the place to buy a house next to the subway or in the area radiated by the subway. Now, after the opening of each line, the area of buying a house is relatively large, so it is more appropriate to choose the section along the subway near the unit, which will save a lot of commuting time on the way to and from work. Because two people live, so the purchase of housing should be mainly small huxing.
Loan suggestion: If the house purchased by Miss Sun and her boyfriend is a small apartment, according to their current economic situation, it is suggested that their monthly payment should not exceed one third of the total monthly salary, and the loan amount should be controlled between 1 10,000 and10.5 million. Moreover, it is the first time for them to buy a house, so under the current loan policy, if it is the first time for prospective newcomers to borrow to buy a house, it is more appropriate to use provident fund or portfolio loans. Experts suggest that if you don't get a marriage certificate, you can notarize the property before marriage or sign an agreement to avoid future property disputes.
2. Mr. Hua's married family has children and changes rooms.
Mr. Hua is from Hefei, and his wife recently gave birth to a son. He bought a small apartment with a loan when he got married, and now he has repaid the loan in advance. After having children, he wants to change suites and take over from his parents to help take care of his grandson. Now he doesn't know whether to buy a house or not to sell his house to make up the down payment for the second suite, and he doesn't know how to get a loan.
Mr. Hua belongs to the second group of housechangers. Considering that he needs to live with his wife, children and five parents in the future, it is more appropriate to buy a large three-bedroom apartment.
Loan suggestion: If Mr. Hua chooses a large three-bedroom apartment, it is obviously more appropriate to use a commercial loan. Moreover, he has a house in his name and has paid off the loan. According to his situation, buying a house again will still be the first loan, with a down payment ratio of 25% and corresponding preferential interest rates. So there is no need to sell the existing house, he can rent out the house under his name and use the rent to offset the monthly repayment.
Miss Wang's hot mom borrowed money to buy educational real estate.
Miss Zhu and her husband are both from Hefei and now live in a three-bedroom apartment in Yaohai District. Her daughter will go to primary school next year. She wants to buy an educational property by a small lake before her daughter goes to school, because her husband has traveled abroad for many years. She and her lover now have savings of nearly 6,543,800 yuan. Recently, she has been looking at houses through Sina Leju. She is anxious about what kind of educational real estate to buy and how to lend it to Teacher Zhu.
In this case, Miss Zhu's husband has been away on business for a long time, and basically only she and her daughter * * *, so the area of buying a house does not need to be too large. If Miss Zhu wants to buy a house, she needs to go to the school for a field trip to understand the dicing area of the policy, and then choose a small two-bedroom apartment through Leju or friends. Because the education real estate is older, she also needs to consider factors such as age.
Loan suggestion: Experts pointed out that Miss Zhu and her husband's deposit exceeds 6,543.8+0,000 yuan, so she can choose to use the deposit to buy a house in full, and then complete the subsequent house purchase by making up the mortgage loan. Many owners of educational real estate can also give certain discounts to all buyers, and the general review cycle will be delayed for a certain period of time before buying a house. Therefore, it is suggested that Miss Zhu buy a house in full first, and then use mortgage to repay the loan as the best option to buy a house.
Mr Xu bought a house for his children in middle age.
Mr. Xu's son just graduated from college this year and has a girlfriend who has been dating for more than three years. He and his wife feel that their son is old enough to talk about marriage. Taking advantage of the loose loan policy this year, they want to buy a two-bedroom apartment far away from the city and leave the house in the city for their son to use as a wedding room. He and his wife live in a newly bought house. Considering the factors such as pension and children's wedding room, it is more appropriate for Mr. Xu and his lover to choose a second-hand new house outside the Fifth Ring Road.
Loan suggestion: Generally, the average age of people like Mr. Xu is over 40. Judging from bank loans, the age limit for commercial loans to borrowers is 65, and that for provident fund loans is 70. Experts pointed out that banks should consider the age limit of borrowers when lending to buy a house. Usually, banks will assess the repayment period for borrowers based on their age. The younger the age, the longer the loan period. On the other hand, the older you get, the shorter the loan period, and the greater the pressure of monthly payment in the future. Therefore, buyers like Mr. Wang, in order to extend the loan period and reduce the pressure of buying houses, are borrowers in the name of their children, and Mr. Xu and his lover will give financial support when repaying loans in the future.
(The above answers were published on 2015-12-19. Please refer to the actual situation for the current purchase policy. )
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