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The room is borrowed expert of doohickey conduct financial transactions teachs y

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Xinhua net Chongqing report is current on May 10, no matter live oneself or investment, common the person that buy a house needs room of bank of have the aid of to borrow mostly, and the room that each bank rolls out borrows product difference big, advantage each different. To this, expert of Chongqing conduct financial transactions says, the person that buy a house should consider domestic income state, risk integratedly to bear the each respect element such as ability, the room that chooses to suit oneself borrows a product, buy a room in order to save to become

Above all, the person that buy a house should make full use of accumulation fund borrows money. At present commercial bank 5 years period with last person housing loan standard interest rate is 7. 83 % , according to computation of favourable interest rate, commercial bank 5 years period interest rate of loan of above individual housing already was achieved 6. 66 % , and at present 5 years period the interest rate that accumulation fund of above individual housing borrows money is remained 5. 22 % . Accordingly, expert of conduct financial transactions says, the person buy a house that can deal with individual housing accumulation fund to borrow money must make full use of accumulation fund borrows money, borrow commercial house as far as possible turn to be borrowed for accumulation fund room, after all interest rate is a lot of more favourable.

Next, room of fixed interest rate is borrowed but avoid increases interest risk. Since last year, CPI is exalted all the time move, add the possibility of breath to exist at any time. Expert of conduct financial transactions says, previously, bank room borrows a product is float accrual more, interest rate decides interest rate to change along with national law and fluctuate namely; Now, partial bank rolled out room of fixed interest rate to borrow a product, inside contract deadline interest rate keeps changeless, but avoid increases interest risk. If enrol row " room of structural sex fixed interest is borrowed " during fixed interest rate, section carries out level of different fixed interest rate. Should secure room of fixed interest of sex of 10 years of structures to borrow all right implement standard of a fixed interest rate 5 years afore, hind implement standard of an interest rate 5 years.

Finally, pick pair of reimbursement way also be economical. Current, the room borrows reimbursement means to basically have capital waiting for the forehead and principal and interest waiting for the forehead two kinds. Reimbursement of capital waiting for the forehead is loan principal average share reachs every month, the person that buy a house at the same time needs paid day of on one reimbursement comes the accrual between this second reimbursement day; Reimbursement of principal and interest waiting for the forehead is addition of the principal amount of a loan and accrual amount, make the same score equational booth to arrive next every month of reimbursement deadline, every month returns the person that buy a house to secure amount to the bank. Expert of conduct financial transactions says, look from be economical angle, wait for the frontal principal and interest such as excel of means of frontal capital reimbursement. For instance, brushstroke amount 500 thousand yuan, room of 20 years borrows term, the anteroom that press item lends standard interest rate 7. 83 % is calculated, the interest expenses of means of reimbursement of capital waiting for the forehead is three hundred and ninety-three thousand one hundred and thirty-one yuan, and the interest expenses of principal and interest waiting for the forehead is four hundred and ninety-one thousand and sixty-nine yuan, both differ nearly 100 thousand yuan. But, choose to wait for frontal capital reimbursement, the person that buy a house can be compared in primary reimbursement pressure big.