Which car dealers in Changsha can buy cars by stages?

How to save money by buying a house and a car? The financial planner of Changsha Bank said that credit card installment loans can actually save more. The picture shows Huang Huiqiong (left) and Yi Ke (right), financial planners of Changsha Bank, calculating the interest and handling fees required by various loan methods when answering the reader hotline.

Which bank is cheaper?

Mr. Zhang: I want to buy a car recently. I heard that many banks have car loan products. Is the fee the same? Which is more cost-effective?

Huang Huiqiong: Generally, car dealers and banks jointly launch the mode of buying cars by stages. They pay half down payment and half in installments, and the loan period is generally two years. The specific situation is different from bank to bank, and there are discount activities in each period. Some time ago, China Merchants Bank engaged in activities for some models, free of charge, which was much more cost-effective than ordinary bank loans. At present, Changsha Bank is also pushing credit cards to buy cars by stages, which can save at least about 20% interest compared with direct bank loans, and the interest on credit card loans is as low as 4%.

On Friday's special hotline, the financial planner from Changsha Bank analyzed and compared various loan methods for readers, and also revealed the latest loan varieties launched in Changsha market at present. You can borrow up to 200,000 yuan to buy a house with a credit card. Making full use of the interest-free function of the credit card to pay in installments can save a lot of money.

(Reporter Li Suping) "Most of the questions are about houses. Our Changsha people's enthusiasm for real estate investment is really enduring!" Last Friday, the newspaper's "Win at 20 10" Venus financial hotline ushered in the last special session-how to save money by buying a house and a car with a loan? During the one-hour hotline answering activity, the telephone kept ringing. Under the expectation of inflation, citizens' enthusiasm for maintaining and increasing the value through investing in real estate was high.

Rent-backed loan?

The yield is over 5%

"I want to invest in real estate. Is it cost-effective to rent a house to raise loans?" "How much room is there for housing prices in Changsha to rise this year? Can you rent a starting price? " "I already have two suites in my hand. Can I buy another one to rent to the elderly? " ..... Yi Ke said that most of the public's questions about real estate investment are similar, and the core is about the rate of return. However, with the current real estate rental rate in Changsha, it is not cost-effective for many working families to rent and raise loans, and the profit margin is limited in the short term.

"The annual rental return rate of the house is less than 5%, and it may be difficult to repay the loan by rent." Yike believes that compared with houses, shops and facades, the rate of return is slightly higher, but even for facades with a starting price of 6.5438+0 million yuan, the current monthly rent can reach 4,000 yuan, which is very good. If the rental return rate is above 5%, you can consider buying it.

The rental rate of return is an important indicator to judge the investment value of real estate, but for Changsha people, the impact of real estate appreciation should not be underestimated. Because Changsha's housing prices have been in a "depression" among the provincial capital cities, the future growth space is optimistic by many people. Yi Ke said frankly that considering the impact of real estate appreciation, if citizens have sufficient funds, it is more cost-effective to invest in shops than commercial housing. At present, in Changsha, the price increase of shops has exceeded the price increase of commercial housing.

Loan to buy a house

Provident funds are still superior to commercial loans.

"I have booked a room and prepared a loan. What kind of loan is more cost-effective? Which repayment method is more economical? " Aunt Zhang's housing provident fund has been useless, and she is still hesitating to use it this time. Huang Huiqiong said that the deposit reserve ratio of commercial banks has been raised from 18. Considering the possibility of raising interest rates, it is suggested that Aunt Zhang apply for a housing provident fund loan from the perspective of saving money. "Housing provident fund loans are earmarked. If you put it there, there is not much room for appreciation. And the current interest rate of provident fund loans is 3.33%, which is much lower than the interest rate of 5.4% of commercial loans for 1-3 years. "

For various repayment methods recommended by banks, such as equal principal and interest, average capital, etc. Huang Huiqiong suggested that Aunt Zhang can choose to repay the principal with more money. The average capital is under great pressure to repay in advance. Usually, the repayment amount is the largest in the first month, and it will be less and less in the future. The repayment of equal principal and interest is the same every month, which will lead to more interest expenses. She gave an example, taking a loan of 654.38 million yuan paid off in 20 years as an example. According to the current interest rate, the interest paid by the average capital method is 465.438 million yuan, while the interest paid by the equal principal and interest repayment is 47,000 yuan.

Buying a house can save 40%

Save at least 20% on buying a car.

Whether buying a house or a car, choosing a bank commercial loan has become the first choice of many citizens. Yike said that the current adjustment of the bank deposit reserve ratio has strengthened the industry's expectation of raising interest rates in advance. At this time, how to choose the appropriate loan varieties and ways to save money has attracted much attention. Changsha Bank's credit card loan products specifically for citizens to buy cars and houses are just right for "appetite". Since credit cards have an interest-free period, loan applicants can enjoy interest-free loans only by paying a certain percentage of handling fees.

How much is the interest difference between buying a house with credit card loan and ordinary bank mortgage loan? Yi Ke made a comparison. The annual interest rate of commercial mortgage loan is 5.4% 1-3 years, and the credit card installment loan of Changsha Bank is interest-free, which can provide a loan amount of 50,000-200,000 yuan. At present, 1 year, 2-year and 3-year credit card loan fees are 3. 15%, 6.9% and 9.45% of the loan amount respectively. Take Mr Zhang's purchase of a small apartment as an example. The house price is 200,000 yuan, of which the down payment is 65,438+million yuan and the loan is 65,438+million yuan. If the repayment is made in advance within three years, Mr. Zhang will use bank mortgage loan and credit card loan respectively, and the interest and handling fee paid will be clear at a glance (see the attached table, in which the bank loan is subject to the benchmark loan interest rate). The conclusion is that credit card installment payment can save about 40% interest, and it can also save about 2000 yuan in evaluation fee and insurance premium compared with mortgage loan. Now most people buy houses with loans for more than five years (inclusive). For those who have high short-term expected income and want to repay in advance, this three-year credit card installment payment method is obviously much more convenient, and there is no need to worry about the penalty interest fee brought by early repayment.

Similarly, Changsha Bank can provide credit card installment loans for six months, 1 year and two years, with handling fees of 2%, 4% and 8% respectively. It can cover all automobile brands and models on the market. This way can save at least 20% interest than ordinary bank mortgage loans.

However, Huang Huiqiong said that credit card installment loans need to refer to the cardholder's previous credit card use and repayment. In other words, people with good credit records have a better chance to enjoy the interest concessions of Changsha Bank in buying a house and a car, and let the credit card "work" for you. There are so many tricks to buy a house and a car.

(Reporter Wang Bin) Of all the investment projects, China people have a soft spot for real estate. Real estate is an important event in the family economy, and cars are gradually spreading to families. Last Friday, readers called Yi Ke and Huang Huiqiong for advice on how to buy a house and a car.

Is it still too late to buy a house?

Mr. Zhou: Is it still too late to invest in real estate? How much profit is there?

Yike: Changsha's property market did not see a big decline when the financial crisis raged in 2008. After a slight increase in 2009, the property market price has been refreshed again and again. The continuous introduction of new policies by the state will have a greater impact on the first-tier cities with higher housing prices, but among the provincial capital cities in China, Changsha's housing prices are relatively low and stable. Moreover, there are many newer and better properties in 20 10 Changsha, and it is unlikely that the property market will fall. Housing prices in Changsha should rise steadily this year, so it is not too late to sell now, especially those with rigid demand. As for the profit rate of investment, this is related to the location, environment and operation mode of the property.

Do you have any good suggestions for investing in shops?

Mr. Xie: I want to invest hundreds of thousands to buy a shop. Any good suggestions?

Eco: At present, the return on investment of shops is less than 5%, which is not comparable to the interest rate of bank loans, but hundreds of thousands should be enough to buy the facade of ordinary communities. As far as Changsha market is concerned, the supply of shops is relatively large, but if you want to rely solely on rent, the profit margin may not be very large, but the rising potential of shop prices has always been higher than that of houses, depending on whether you rent or sell them after buying them.

Can you continue to buy a house with 80 thousand spare money?

Ms. Liao: At present, our family's income is relatively stable. We have a small apartment of our own, which was bought with a commercial loan. Now we still have 70 thousand or 80 thousand spare money. We want to continue to invest in real estate. Any good suggestions?

Eco: It is very troublesome to invest tens of thousands of yuan in real estate. The annual rental return rate of residential buildings in Changsha rarely reaches 5%. It may be difficult to repay the loan by rent, and the price of small apartment is not cheap now. The unit price of small apartment near the railway station is more than 5 thousand. As far as your current situation is concerned, it is better to repay the loan in advance, or it will be more cost-effective to turn the commercial loan into a housing provident fund loan.

Should I sell or rent a good place?

Mr. Zhang: In 2006, I bought two sets of small apartments of about 60 square meters at the price of 465,438+000 yuan/square meter in the central area of Yu Xiang, and they have never been decorated. It's just a humble house. Now the house prices there have gone up quite high. Should I rent it out or sell it?

Huang Huiqiong: That position is very good. In fact, you have sold those two houses now, and the price is about 7000 yuan per square meter, but it is a pity to sell them. It is suggested that two adjacent small-sized apartments should be rented after spending tens of thousands of yuan to make a simple fixture. The current rental price there is between 1 yuan/square meter and 1.5 yuan/square meter, and the rate of return is still very high. If the money is useless, there is no need to sell it.