The first measure to save money: adjust the interest rate monthly.
When buyers apply for loans, they will find that the calculation method of mortgage interest rate is divided into "fixed interest rate" and "floating interest rate". As the name implies, the fixed interest rate is to calculate the loan and interest according to the interest rate when the buyer applies for a loan, while the floating interest rate changes according to the change of interest rate. If the central bank raises interest rates, the fixed-rate mortgage scheme is more economical. However, because China's current interest rate is in the downward channel, choosing "monthly interest rate adjustment" can enjoy the preferential interest rate reduction in the next month and reduce interest.
The second measure to save money: change banks
What does it mean to change banks? The simple explanation is that if buyers meet banks that can give more preferential interest rates, they can change to mortgage banks. The specific operation steps generally mean that the new loan bank helps customers find a guarantee company, pays off the money of the original loan bank, and then handles a new loan plan at the new loan bank.
The third measure to save money: adjust the loan period
If the property buyers choose a longer loan period at the initial stage of the loan, although the monthly supply pressure is less, it also means that the total interest to be paid is more. Buyers can repay the loan in advance according to the household income and expenditure, and shorten the loan period to save interest. However, it should be noted that early repayment is suitable for users who use equal principal and interest and have a short repayment time.
If the buyer chooses a shorter loan term at the beginning of the loan, but there is a financial plan whose income is greater than the loan interest expense, the loan term can be lengthened, the monthly payment can be reduced, and more funds can be used for financial management. The profit earned is not only higher than interest, but also meager profit.
The fourth measure to save money: portfolio loan
Because the interest rate of commercial loans is relatively high, and the loan amount of provident fund loans is relatively low, portfolio loans are also the choice of many buyers. In the process of using portfolio loans, buyers can try their best to extend the life of provident fund loans, try their best to reduce the life of commercial loans, enjoy the low interest rate of provident fund, and also try their best to reduce the interest of commercial loans.
The fifth measure is to save money: repay the loan with the provident fund.
As a welfare policy for employees, provident fund can effectively alleviate the monthly supply pressure of buyers. There are two ways to use the provident fund to repay the loan: "monthly rush" and "annual rush", and buyers can choose according to their own needs.
"Monthly mortgage": the bank withdraws funds from the provident fund account every month, first to pay the principal and interest of provident fund loans, and the rest to pay the principal and interest of commercial loans, so as to minimize the monthly mortgage pressure.
"Annual offset": offset the loan principal with all the balance in the provident fund account. According to the regulations, the "annual rush" must give priority to paying off the principal part of the provident fund loan in order to offset the principal part of the commercial loan. This is actually a method of prepayment, which saves the loan interest to the greatest extent.
(The above answers were published on 20 17-07-27. Please refer to the actual situation for the current purchase policy. )
Sohu Focus provides you with comprehensive information on new houses, second-hand houses, renting houses and home improvement.