Loan interest rate discount
First, the loan interest rate discount
When we buy a house, we must keep up with the latest policy and make clear the details! (For example, the down payment is 30%, the loan interest rate remains at the benchmark interest rate of 6.55, the second down payment is 70%, and the loan interest rate rises 1. 1 times).
Those repayment methods
Second, choose the repayment method.
When buying a house, we may not know that there are other ways to repay the bank loan. Family conditions are limited, save a little if you can. There are two repayment methods for your reference.
1, equal repayment of principal and interest
When we buy a house, the sales girl will give you an equal amount of principal and interest repayment, because the monthly repayment amount is fixed. Compared with the other way, this amount is smaller and more acceptable to buyers. But do you know what the real repayment situation is? Take the loan for 20 years, with a loan of 6,543,800 yuan and a monthly repayment of 7,485.2 yuan. Pay back 7485.2 yuan to the bank every month, including 5458.33 yuan of interest and 2026.86 yuan of principal. In other words, most of the money you pay back is bank interest, and the principal is less. By the middle of repayment (for example, you have paid back 10 years after 20 years), the interest of the previous 10 years has been almost paid back, but a large part of your principal has not been paid back and must be paid back. Even if your conditions are much better after 10 years, you can pay it back in advance, but the latter is basically the principal with little interest. When you are in the bank, you are basically only told this, because in this way, the interests of the bank will be maximized. Most families, since they have borrowed for 20 years, can't repay their loans in a few short years, but they can usually repay them after 10 years. In this way, the interest income of banks will be reduced a lot. So, in this way, you have to pay interest in the first 10 year, and the principal will not be reduced much. Even if you have money, if you pay it back, the interest of the bank has earned more than half, and you have no loss to the bank in advance.
2. Repayment by average capital
Banks generally do not take the initiative to propose this repayment method, and basically only say the former one. This is still based on the loan for 20 years, with a loan of 6,543,800 yuan and a monthly repayment of 9,625 yuan. The average monthly repayment capital is more than 2 140 yuan. Of which 4 166.67 yuan is the principal and 5,458 yuan is the interest. Since the second month, only 9602.26 yuan has been paid, because the principal of 4 166.67 yuan was paid last month, and this month's interest was recalculated, so 23 yuan's interest was missing. By analogy, the later, the less repayment pressure. And the most important thing is: when you want to repay in advance, for example, five years later, because of the way you choose, the principal is much less than the previous way, and the principal paid in advance is partly offset, so the interest expense will be much less when you recalculate the interest (nearly 10,000 yuan is lost every year). And even if you don't pay it back in advance, in this case, you will still have to pay about 14 interest in 20 years! It's just a lot of pressure in the early stage! But for the long-term benefit! As people in our ordinary class, buying a house is a big deal. So after signing the contract, we must study more bank loans. In fact, this calculation shows that reasonable allocation of bank loans can save interest expenses of more than100000 yuan, or even more. Converted into house prices, it is nearly 1,000 yuan less/flat!
Shanghai Paier (second-hand house) has 68 square meters of two rooms and 86 square meters of three rooms, with an average price of 28,000 yuan/flat. The model room is now open, you can make an appointment to see the house and enjoy 50 thousand? Up to 65438+ million. For more details, please call the sales office.
Tel: 400-606-6969 to 24373.
Shanghai Paier (second-hand house) project has rich living atmosphere, profound cultural atmosphere and convenient transportation. Adjacent to Tongji University, there are supporting primary schools planned; Enjoy nearly1.4000 ㎡ Robinson Shopping Plaza (information, group purchase, forum) and Jiatinghui City Life Plaza. The community has 6000 square meters of business and complete living facilities.
As the only inter-provincial subway line in China, Shanghai Paier (second-hand house free viewing) subway 1 1 line seamlessly connects Jiading urban area with Shanghai's sea route, Luomei urban area and Zhongshan Park. With the opening of the first phase of the subway 13 line, the traffic is more convenient.
Yijingyuan in Pudong is selling new houses of 90 square meters, 120 square meters and 130 square meters, with an average price of about 35,000. The opening of Building 2/Room 4 of KLOC-0/40 is to be determined. With decoration, you can enjoy a discount of 40,000 yuan10.2 million, and a 97% discount on the full amount.
Tel: 400-606-6969 ext. 4 1698.
Yijing Garden in Pudong is located next to the Greater Pudong Free Trade Zone and next to Huinan Station of Metro 16 Line. Ground transportation has many lines, such as Longhui Line, Zhounan Line, Nannan Line and Pudong 24 Road, which is convenient for travel. The business circle around the project, Pudong Mall, Acer Square, Tesco, Century Lianhua, Auchan and Dongmen Pedestrian Street, Nanhui Cultural Center, Nanhui Sports Center, nanhui university town, Wildlife Club, Dongcheng Kindergarten, Huinan No.2 Primary School, Nanhui Third Ring Road, Pudong Hospital, Guangming Hospital and other medical facilities are all in place to provide convenience for the owner's life.
Editor's comment: Yijing Garden in Pudong (the apartment design is very good, with 90 square meters of three bedrooms and three bays facing south, and the comfort is good, but unfortunately the apartment is not accessible from north to south; 133 square meters and 145 square meters, the four rooms are transparent from north to south, and the master bedroom is designed as a suite, which is very comfortable, taking into account the requirements of improved buyers for sufficient living space and living comfort. The project sets off the hardcover city apartment with Soviet-style garden landscape, and the design of separating people from cars advocates the concept of green and healthy life.
Shanghai Xiangyihuacheng155m2 3-room serviced apartment is on sale, with an average price of about 65,000 yuan. The house is expected to be pushed next year, and the specific price and discount are to be determined. Please consult the sales office for details.
For details, please contact the sales office at 400-606-6969 to 23809.
Shanghai Xiangyi Flower City emphasizes the experiential business atmosphere, shapes people's sensory experience and psychological identity from the life situation, and creates a unique leisure consumption place through the integration of environment, architecture and urban style, which stimulates consumers' consumption consciousness and shopping behavior.
As a large-scale complex with an inner ring area of 460,000 square meters, Shanghai Xiangyi Flower City has a one-stop package of boutique commercial plaza, commercial street, hotel, office building, 12 school and 90,000 square meters park greening. And only adjacent to the inner ring, through the north-south elevated, within 500 meters of the intersection of the three tracks. Therefore, education, commerce, transportation and other living facilities are also "in one step".
Relax and enjoy the purchase information. Come and pay attention to Leju.com.
Article source: Leju Encyclopedia