1. What are the risks of top-name loan repayment
1. Top-name loan repayment is more dangerous, because this situation is easy to occur, the house belongs to others, and the repayment person is your situation. And if the real estate license is also yours, it will also affect your own purchase of a house.
2. Secondly, the real estate is subject to the registration of rights, that is, the real estate belongs to whoever owns the real estate license. If the other party breaches the contract, he can not sell it to you, but just refund the money you paid. Therefore, when you repay the loan, the house is the owner's name, and you should receive the receipt from the other party after monthly repayment.
3. If the top loan repayment is discovered by the bank, it will not only affect your personal credit, but also affect your future loan.
2. What are the ways to repay the loan
1. Matching principal and interest repayment: this is the most common way at present, and it is also recommended by most banks for a long time. As a repayment person, he pays a fixed amount to the bank every month, but the proportion of principal in the monthly repayment amount increases month by month and the proportion of interest decreases month by month. Of course, it has defects, because the bank funds take up a long time, and the total interest of repayment is higher than that of average capital repayment method to be introduced below.
2. Matching principal repayment: the so-called matching principal repayment, also known as the repayment method of interest with principal and equal principal with unequal interest. The Lender will allocate the principal to each month, and at the same time pay off the interest from the previous trading day to the repayment date. Compared with equal principal and interest, this repayment method has a lower total interest expense, but the principal and interest paid in the early stage are more, and the repayment burden decreases month by month. Repayment with equal principal, the monthly burden at the beginning is heavier than the equal principal and interest. Especially when the total amount of loans is relatively large, the difference may reach thousand yuan. However, with the passage of time, the repayment burden is gradually reduced. This method is very suitable for people with high income at present, but it is predicted that their income will decrease in the future. In fact, many people over middle age have a certain economic foundation after a period of hard work. Considering that their income may decrease with retirement and other factors, this way can also be chosen.
3. Repayment of principal and interest in one lump sum: Previously, the bank stipulated that if the loan term is less than one year (including one year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal. However, with the change of repayment method, the one-year period is expected to be extended to five years at the highest. This method is strictly approved by banks and is generally only open to small short-term loans. Its operation is relatively simple, but it is suitable for a narrow crowd. It must be noted that this method is easy to make the lender lack the external force of repayment and cause credit damage. With this kind of loan, it is best for the lender to have good self-arrangement ability.
4. Equal increase and equal decrease: There is no difference in essence between these two repayment methods, which is another variant of equal principal and interest repayment method. It subdivides the repayment period, and in each division unit, the repayment method is equivalent to the equal principal and interest. The difference is that the repayment amount of each time division unit may be equal increase or equal decrease.
5. Pay interest and principal on schedule: the lender can negotiate with the bank and decide to set different repayment time units for the repayment of loan principal and interest. That is, decide to repay at monthly, quarterly or annual intervals. In fact, according to different financial conditions, the lender collects the money to be repaid every month into several months. The quarterly repayment business launched by China Merchants Bank falls into this range.
6. principal repayment plan: after consultation with the bank, the lender will repay the principal at least 1, yuan each time, and the interval between the two repayments will not exceed 12 months, and the interest can be repaid monthly or quarterly.
what are the risks of top-rated loan repayment? It can be seen that the risk of repaying loans by top names is relatively large, and it is very likely that people will have both money and houses. What are the ways to repay the loan? When choosing a house loan, you can choose the corresponding repayment method according to your own economic strength. They also have their own advantages and disadvantages, so we should analyze and consider it more.