The most cost-effective way for us to buy a house is to use the provident fund to buy a house. Let's not say that the interest on provident fund loans is low. Another advantage is that we can use public funds to repay the mortgage. Paying back the mortgage with the provident fund can relieve the pressure of buying a house and help us solve a difficult problem.
After we paid the down payment, the mortgage came down. When the provident fund loan is completed, this time. There is a sum of cash in our provident fund account. What are we going to do with this money? Under normal circumstances, we will choose to extract it once a year. That is, the money in the provident fund account is taken out and deposited in the mortgage repayment bank card for monthly mortgage repayment.
Another way is to deduct the mortgage from the provident fund account every month. This needs to go to the provident fund management center to handle the monthly transfer business and sign a contract. Deducting the mortgage directly from the provident fund account every month saves the trouble of taking the provident fund once a year. This is the best way to repay the mortgage, which can ease our economic pressure and make us relaxed.
We all know that if the mortgage is a provident fund loan, there is no need to repay it in advance. But we still have some mortgages that are not provident fund loans, and the interest on these loans is relatively much higher. If conditions permit, we can repay part of the loan in advance or in about two years.
We all know that the maximum amount of provident fund loans is ten times the balance of our account. If the total price of our house is/kloc-0,000,000, the down payment is 300,000 and the loan is 700,000. The loan needs to be paid in two parts. Suppose we have 50,000 yuan in our provident fund account, we can borrow 500,000 yuan from our provident fund at most, and we will choose commercial loans for the remaining 200,000 yuan.
Our best choice is to choose a 30-year mortgage, and the longer the loan, the more cost-effective. If conditions permit, you can repay the mortgage in advance. In fact, buying a house is also an investment. When you buy a house, you have a home. Even if there is no money to decorate, it is not bad to live in a blank. The sooner you buy a house, the better. Don't show off when buying a house. After we bought a house, we all had this mentality. In the first two or three years, there will be pressure on dead mortgages. After two or three years, I have the courage to buy a second house.
Don't listen to the opinions of people around you when buying a house. Don't even think about paying off your 30-year mortgage. I turned 60 after the mortgage was paid off. Don't be afraid to buy a house. If you have the idea of buying a house, buy it. We can do something if we don't have enough money. When we bought the first suite, we were very happy and finally didn't have to move. Our house should also be rationally consumed. First of all, we should consider autonomy. If conditions permit, you can consider investing in real estate.
We should also have confidence in watching house prices rise year by year. Just buy a house, spend less money every month and buy the house. I hope everyone can buy a house that suits them. In fact, it is very happy to be a house slave!