Buying a house loan has become a rare thing at present. According to the data released by the central bank, by the end of the first quarter of 2020, the national individual housing loan balance was 3 1. 1.5 trillion yuan, an increase of 8.29 trillion yuan over the same period last year. This figure, compared with the sales of commercial housing in 20 19, reflects a problem that most residents buy houses, and almost half of the funds come from bank mortgage loans.

In addition, according to the Survey Report on the Assets and Liabilities of Urban Households in China in 20 19 published by China Finance, the average total assets of urban households in China are 3179,000 yuan, but they are mainly physical assets, of which housing accounts for 70%. At the same time, the debt participation rate of urban households in China is relatively high, accounting for 56.5%, but the debt structure is relatively simple, and the main source of debt is bank loans, of which mortgage is the main component of household debt, accounting for 75.9% of the total household debt.

Buy it in full or by loan, and how much loan is appropriate?

Du answered this question better. Of course, wisdom is bought by loan, with bank money. You can invest your cash in other places.

Suggestion:

It is best to buy it with a provident fund loan. In recent years, the provident fund policy has been continuously relaxed, and it can be used to buy a house or rent a house. The most favorable thing for buying a house is to increase the loan ceiling from 800,000 to 6,543,800+0.2 million. If there is a big house, the loan can be a mixture of provident fund and commercial loan, which is more humanized.

At present, the interest rate of provident fund loans is 4.05%, and commercial loans are also launched at 6%. With the increase of commercial loan interest rate, there will be small discounts in different parts of the city. As for the loan, it is recommended to use the minimum down payment loan.

If you can get a loan, how long is the loan suitable, and should you repay it in advance?

For example, a down payment of 30%, a mixed loan of provident fund and commercial loans. Provident fund: 4.05% commercial loan: 6. 15%, provident fund loan:10.2 million, commercial loan: 2.8 million, loan: 4 million.

Many friends have seen that in 30 years, the total interest of matching principal and interest is 42 1.5 million, and the interest of average capital is 3321.0 million. It turns out that the bank charged us so much interest.

But we put ourselves in the shoes. As long as the investment interest is greater than 6. 15%, if the mainstream P2P platform is 10%, then if the investment income is greater than 10% instead of the money returned to the bank, our funds will generate an additional interest of 3.85%, which is higher than our current one-year time deposit. Do you think it's worth it?

Suggestion:

If you borrow it for the longest time, you can borrow it for 30 years or 30 years. If you can find an investment higher than 6. 15% per year, you don't have to worry about repaying the bank loan. Pay in advance to see if you want to invest with the bank's money. Free choice is in your hands.