1, using provident fund loans
Although buying a house with a bank loan will generate a loan interest, and if the loan time is long, the loan interest is still quite large, but there is also a slightly lower interest rate among several loan methods. Using provident fund loans pays less bank interest than commercial loans. If the loan amount of provident fund is not enough to pay the house payment, a combination of provident fund and commercial loan can be adopted, and the combined loan is generally more cost-effective than a simple commercial loan.
2. Pay attention to the repayment method
In addition to the choice of loan methods, you can also choose repayment methods. Different repayment methods will also affect the cost of buying a house. There are two main ways to repay the mortgage. The first is equal principal repayment, and the second is equal principal and interest repayment. Take a commercial loan of 500,000 yuan with a loan term of 20 years as an example. If the repayment method of equal principal is adopted, the total interest paid is 328,864.59 yuan, while the total interest paid by equal principal and interest is 398,223.63 yuan, about 69,000 yuan more than the first method.
Step 3 pay attention to the room rate
Property buyers can start with the purchase cost, reduce the purchase cost and achieve the purpose of saving money. Of course, they can also start with the house itself, increase the purchase area and reduce the unit price of the house. When buying a house, don't be confused by the building area. It depends on the room rate, room rate or room rate. A high house price means that the indoor area of the house you buy is relatively large, and a low house price means that the indoor area is small. Therefore, when choosing a house, you must calculate it yourself and get the house.
Step 4 seize the opportunity
Buying a house at different times, the cost of property buyers is different. For example, property buyers can enjoy the purchase discount by seizing the real-time opportunity of developers to do promotional activities. Generally speaking, the subscription period before the launch of the first product of a new project, or the promotion of the project on holidays, such as Mid-Autumn Festival, National Day, New Year's Day, Spring Festival and other holidays, is a good time to enter the market. At this time, it is the easiest time to buy a cheap house, and the preferential activities done by developers are also more practical.
If property buyers master these money-saving skills when buying a house, they can save a lot of housing costs for themselves. If you buy a blank house, you will have to decorate the house and buy furniture in the future, and the saved expenses can be used to subsidize the decoration expenses. The above is an introduction about how to buy a house with a loan, which is more cost-effective. I hope it will help everyone.
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