First, how to choose the opportunity to buy a house with a loan?
Let's take a house with a total price of 6,543,800 yuan as an example. Loan 10 year, with interest of180,000 yuan; If the loan is for 20 years, the interest to be paid is 400,000 yuan; In terms of monthly payment, although the longer the loan period, the easier it is to pay monthly, but most people finally choose a shorter loan period because they all hold one? Early or early. Is it easy? The mentality is not willing to be in debt for too long.
Two facts tell you that this is not the case!
1. Under the control of the state, bank interest will decrease year by year.
Through the national macro-control, the interest on bank loans has also decreased year by year in recent years. As wages increase, the repayment amount decreases, so the repayment pressure will become smaller and smaller.
2. The use of funds can be more flexible.
Mortgage interest rate is relatively low. At present, the mortgage interest rate is around 4.9%, while many wealth management products on the market are above 6%. As long as you choose a few moderate, safe and steady financial products, the investment interest is above 6%, which is quite cost-effective.
At present, China's interest rate is in the downward channel, and buyers can use the funds for other investment projects, which is more flexible and convenient.
Second, what issues should be considered in the renovation of new houses?
1. How much is the decoration?
As we all know, decoration is actually a bottomless pit, no matter how much money can be invested. A palm-sized bathroom alone can decorate tens of thousands of pieces. Therefore, when decorating, according to your own economic ability! Cities with strong economies can spend more. If the family's financial ability is limited, you can simply decorate it. There is no need to compare with others living in your own home! How much does it cost to wear hard clothes and buy furniture and appliances?
2, the choice of materials as environmentally friendly as possible.
As we all know, health is very important, so when we buy decoration materials, we should try to buy some relatively environmentally friendly decoration materials for our homes, especially those with children or pregnant women, especially the elderly. We also know something on the Internet. The materials used for home decoration are not good, and the family is sick, which is not worth the candle! And now there are many fake and polluted materials, so we should pay attention to them!
3. Leave as many sockets as possible.
Some people are often not very considerate when decorating. There are not many switch sockets reserved at home, so it will be very troublesome to keep them later, especially now that the power of household appliances is relatively high, so you can use as many square meters of wires as you want at home, so don't save it!
4. Decoration style is also very important.
In fact, many people decorate, especially some of their own, often with their own ideas to decorate, and the effect of decoration is often four unlike! I think, since the house is affordable, why not unify the style when decorating? Even a mix and match gives people a very harmonious style. If you need a modern and simple style at home, don't use a lot of plaster lines. If you decorate your home in a simple European style, don't use new Chinese elements and so on. So the decoration style is also very important.
To sum up, when choosing the loan term, not only the interest is different, but also the policy and investment value should be considered. Therefore, if you want to buy a house with a loan, you must choose a longer repayment period, which is beneficial to us. When buying a house with a loan, you should contact several banks to see which one is more suitable for you, mainly because the loan speed is fast.