Changsha housing loan: how to get a more cost-effective loan?

First, Changsha housing loan: how to get a more cost-effective loan?

1. How much can Changsha housing loan borrow?

Under normal circumstances, the first suite of commercial loans in Changsha is limited. The final approval limit of the bank will be determined with reference to the borrower's credit record, income level and other factors.

If you use Changsha provident fund loans, you need to look at the amount of your own provident fund. The approval of Changsha provident fund loan amount is related to the monthly provident fund deposit amount, age, housing age and deposit ratio.

2. Changsha provident fund loan VS Changsha commercial loan who is more cost-effective?

It is suggested that Changsha provident fund loan is more cost-effective, and cash and sales of Changsha provident fund loan become the first choice for mortgage. The expected annualized interest rate of housing provident fund loans is more than 5 years for the second loan, and the expected annualized interest rate is twice that of the first loan.

Generally speaking, there is no maximum limit on the loan amount of commercial loans, and the expected annualized interest rate of the maximum loan base year is more than 5 years, mainly depending on the lender's situation. In addition, citizens can also use provident fund and commercial portfolio loans.

3. Is the loan time as long as possible?

It is suggested that the longer the loan term, the better. The same amount of money will be used for water. Therefore, choose

Because of inflation, the principal is unchanged, while the interest is variable, and the ability to pay is different every year. This is like a loan of 50,000 yuan owed to the bank 20 years ago. A mortgage of several hundred yuan a month is just a meal. So the longer the repayment period, the better.

Second, how to buy a house with a loan is cost-effective.

Judging from the current housing market, many people will choose to buy houses in the form of loans, not only because the current housing prices have risen too much, but also because the money in the future is becoming less and less valuable. However, loans to buy a house, many people will struggle to say, how is it cost-effective to buy a house with loans? The following small series will introduce you, and I believe it will bring you different views.

How to borrow money to buy a house is cost-effective?

If conditions permit, try to use the form of provident fund loans. In the same period, the commercial loan interest rate is 6.55%, and the provident fund loan interest rate is 4.5%, which is relatively more cost-effective; In addition, in the choice of loan method, it is suggested to adopt average capital repayment method, which is generally higher in the first month and then decreases month by month; The longer the time limit, the better. After all, money is becoming less and less valuable.

How to borrow money to buy a house?

1. Prepare relevant materials for application.

First of all, we should prepare relevant information. If you are a local resident, you need an ID card and a household registration book. If you are a foreign resident, in addition to the above two items, you also need to provide the household registration certificate or temporary residence permit provided by the household registration management department of your country of origin and the passport provided by foreigners. Minor residents need to provide birth certificates.

Second, the bank trial

Generally speaking, before handling, the relevant personnel will conduct a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the borrower. Through the pre-loan investigation, the bank prepares for the examination and approval of applicants who are considered to meet the loan conditions.

Third, buy insurance.

Under normal circumstances, due to the relatively long term of mortgage loans, banks will require property buyers to apply for property insurance in order to prevent loan risks.

Fourth, sign a loan contract.

Then sign a contract, usually after investigation, examination and approval, sign a loan contract, and after the bank completes the registration and notarization procedures, notify the applicant to take the contract and sign a housing mortgage loan contract.

Verb (abbreviation of verb) handles the transfer of house property rights.

Finally, the buyers and sellers should go through the relevant formalities in the Housing Authority, such as the transfer of property rights, and the information provided should be prepared in advance, such as the ID cards of the buyers and sellers, real estate licenses, deed tax certificates and other information issued by the Housing Authority.

Summary: Well, the above is the introduction of how to buy a house with a loan. I hope I can give you some help. I believe that in the process of understanding how to borrow money to buy a house, friends will be more handy and get their own satisfactory answers.

Third, how to borrow money to buy a house is the most appropriate?

Loans are divided into pure provident fund loans, pure commercial loans and portfolio loans (provident fund business). The lowest annual interest rate is the provident fund (3.33% for less than five years and 3.87% for more than five years). The annual interest rate of commercial loans is 4.032% for less than 5 years, and 4. 152% for more than 5 years (this interest rate is 30% for first-time purchase). From the way of repayment, it can be divided into: average capital and equal principal and interest. Matching principal and interest: repayment in each installment (1): the repayment amount in each installment remains unchanged. The repayment amount of each installment consists of interest and principal, and the interest and principal of each installment are different; Early repayment (2): the repayment amount of each installment remains unchanged after early repayment; Interest-bearing method (3): The loan with equal principal and interest bears interest according to compound interest, that is, interest also bears interest, which is called rolling interest for short. Average capital: Simply put, there are more in the front and less in the back. For example, the pure commercial loan is 6,543.8+0,000 yuan, with annual interest rate of 4. 152%, repayment period of 10 year, equal principal and interest: 1 223,686 yuan, and total interest of 223,686 yuan. Average capital: 65438. The total interest is 209 yuan, and 380 yuan can clearly see which one is suitable. However, there is another difference between average capital and equal principal and interest. The monthly payment is shown as follows: pure commercial loan is 654.38+0 million yuan, annual interest rate is 4.65,438+052%, repayment period is 65,438+00 years, and equal principal and interest: repayment amount and principal and interest period are ￥ 65,438+00,65,438+00. No.460.83 1 0 197.396, No.759.873, No.437.52, No.2 10/kloc-0+97.5438+097.5438.50000000606 391.018,333.33: 57.68, issue 1 19: 8,362.178,333: 28.84.