129788443095312500_358SINA real estate (Edit: Wang Lei) it was reported that the recent city commercial bank to restart the first set of home loan interest rates by 90 percent or 85 percent discount. Many people believe that this House costs have significantly dropped, and help to advance the "demand" buyers to speed up access to markets. In this regard, buying houses not blindly follow, from the analysis of the following aspects,And then make their own correct judgment. First, the Bank introduced such a policy there are two aspects to consider, in response to the Government's call on the one hand, through preferential policies have driven sales markets of Mong Kok; on the other hand, compared with the cost of bank deposit interest rate 5-year, 85 percent of loans is profitable now, but can be used to hold the size of the loans market, loansContracts are floating interest rates, policy changes in the future this negative pattern will change the current Bank, loans for first-time buyers to enter the market. Second, from current Hangzhou real estate developers go bankrupt, and many real estate developers on the current price trend in the housing market (prices do not decline in small amounts), the current housing market price in China is still inIn a declining trend, and this trend will not change within a short period of two years. In this case, if the consumer market as housing loans lending rate, of benefit to buying houses caused by interest rate concessions may be far less than the fall in house prices by reducing the purchase of housing costs. Because, compared to the interest rate and principal, under the situation of housing prices are down, capital decreased byThe burden must be reduced by less than the interest rate offers much greater burdens. So, for buyers, house price trends is more important. Third, reports, home suite loan of $ 1 million, 30-year period, for example, interest rates perform the benchmark interest rate of 1.1 times, respectively, 85 percent and 90 percent discount offers, its cumulative interest payments of about $ 1.58 million, 1.41 million, 1.16 million Yuan
tera power leveling, the level difference of 420,000. This calculation is based on a few not assumed on the basis of the establishment. A signed purchase contract is assumed to be a fixed interest rate, that is, after the signing of the purchase contract, no change in 30 years. But in fact, buy now housing contract loan interest rates are floating rates
tera gold, it was a year with the market and policy changes for sure. Second, it is assumed that today's interest ratesIs fixed for the next 30 years. But in fact
tera power leveling, as the United States ended quantitative easing monetary policy, so the world may end of an era of low interest rates, so will China. Therefore, if after this period of low interest rates, rising interest rates is inevitable, House floating interest rates also change. Three is the benchmark interest rate of 1.1 times as an 85 percent discount base is actually in useBuyers transaction does not occur to compare income increase, also not established. Besides 85 percent preferential interest rate Bank will attach a number of conditions, credit will not be easy. For these, buy houses to their calculations clearly. In short, we should not be confused by the so-called interest rate concessions, need to clearly calculate the interest rate offers and prices on the cost of the purchase of influence,Instead of spending under the influence of others entering the market, after all it's life events.
Others:
没有评论:
发表评论