September Hefei property market multi disk price rise, so that loans make you less struggle for 10 y dxperience

September Hefei property market multi disk price rise, so that loans make you less struggle for 10 years, according to incomplete statistics, September Hefei property market multi disk price rise. Ordinary residential housing, about 6 more than 1500 yuan flat plate price, the highest level of a real estate rose 2800 yuan. Hefei city housing prices steadily higher than 10000 yuan, three county projects have broken 10000. Last week, a Feixi disc record, the ordinary high-rise residential average price of 10990 yuan, the average price reached 12375 yuan flat garden villa. Facing the hot property market, just need a lot of people have begun to rethink the big house, for the average family, and ultimately buy loans, apply for loans is a university asked the novice buyers who need a lot of time to understand to buy a house, as the saying goes, "the enemy, the battle" to mortgage mortgage applications, said small can save a lot of money, big talk can also make you less than 10 years of struggle! What is the current mortgage interest rate loan period of 5 years, the benchmark interest rate of commercial loans was 4.90%, the provident fund loans benchmark interest rate of 3.25%. Statistics show that as of now, the most popular is that the workers and peasants in the establishment of diplomatic relations five years mortgage interest rates for a considerable discount. Among them, the Agricultural Bank, construction bank and Bank of China can enjoy the lowest 10 percent off concessions, ICBC and the Bank of communications can enjoy a minimum of 15% off of the discount. Zhuhai ICBC a loan manager said that the current mortgage policy is relatively loose, so there will be more discount and discount, loan time is generally based on whether the information provided by the customer is complete judgment, in addition, I have to provide social security certificate and bank flow certificate. Agricultural Bank of China, a loan manager said that early mortgage amount is relatively loose, generally a month or so can be loans. What are the loans currently buy loans mainly for commercial loans, provident fund loans, loan portfolio, details are as follows: 1. commercial loan lending rate for commercial mortgage loans, from the property right card to the bank for a mortgage to the bank loans need to almost 2 weeks of time, different banks may have different schedule. The loan amount, loan amount = family monthly income minus the cost of living expenses after the repayment ability of the corresponding loan limit per million in January payments such as monthly income of 10 thousand yuan, monthly living expenses of 3000, the loan for 20 years, according to the benchmark interest rate of 4.90%, calculated 10 thousand yuan loan repayment amount of 53.07 loan amount = 360 financial mortgage calculator (10000-3000) 53.07=131.9 2. yuan provident fund loan lending rate: 2-3 months, a number of recent city provident fund loans tight, loan period will be extended accordingly. Loan limit: the requirements of different areas, detailed consultation with the local housing provident fund management center. At present, the highest personal loan in Beijing 1 million 200 thousand yuan, in Shanghai pay housing provident fund families, the first suite of personal maximum loan limit of 600 thousand yuan, Guangzhou provident fund loan personal maximum amount of 600 thousand yuan, Shenzhen provident fund loans personal amount rose

9月合肥楼市多盘价格上涨 如此贷款让你少奋斗10年   据不完全统计,9月合肥楼市多盘价格上涨。普通住宅房源方面,约有6盘涨价超过了1500元 平,其中某楼盘最高一平涨了2800元。   合肥市区房价稳居万元高位不下,三县楼盘也纷纷破万。上周肥西某盘备案,普通高层住宅均价10990元 平,花园洋房均价达到了12375元 平。   面对火热的楼市,不少刚需族也开始重新思考买房大事,对于一般家庭来说,买房就少不了贷款,申请房贷是一门大学问,新手购房人买房需要下一番工夫研究才能弄懂,俗话说“知己知彼,百战百胜”,搞清房贷知识,申请房贷时说小了可以省下不少钱,说大了也能让你少奋斗10年!   房贷利率是多少   当前贷款期限5年以上,商业贷款的基准利率为4.90%,公积金贷款基准利率为3.25%。统计显示,截止到目前为止,最受市民欢迎的是:工农中建交五大行开年的房贷利率相当优惠。其中,农业银行、建设银行和中国银行最低都能享受9折优惠,工商银行和交通银行最低则能享受到8 .5折的优惠。珠海工行一位个贷经理表示,目前的房贷政策比较宽松,所以会有比较多的优惠和折扣,放款的时间一般是依据客户提供的资料是否齐全判断,此外,本人须提供社保证明和银行流水证明。农行一位个贷经理则表示,年初房贷额度相对宽松,一般一个月左右可以放款。   贷款方式有哪些   目前买房贷款方式主要为商业贷款、公积金贷款、组合贷款,具体介绍如下:   1.商业贷款   放款速度:办理商业按揭贷款时,从将产权证交给银行办理抵押到银行放款差不多需要2周时间,不同银行的进度可能会有不同。   贷款额度:可贷额度=家庭月收入减去生活费用等开支后的还款能力 相应贷款年限的每万元月还款额   例如:月收入1万元,月生活开支3000,贷款20年,按基准利率4.90%,用融360房贷计算器计算得出   贷款1万元的月还款额为53.07   可贷款额度=(10000-3000) 53.07=131.9万元   2.公积金贷款   放款速度:2-3个月,最近多个城市公积金贷款额度吃紧,放款时间也会相应延长。   贷款额度:各地的要求不同,详细可咨询当地住房公积金管理中心。目前,北京地区个人最高可贷120万元,在上海市缴纳住房公积金的家庭,首套房个人最高贷款限额为60万元,广州公积金贷款个人额度最高为60万元,深圳市公积金贷款个人额度最高为50万元。   3.组合贷款   放款速度:2-3个月以上   贷款额度:比如房屋总价100万,要贷款70万,但是公积金最高额度只有50万,那么剩余20万可以选择商业贷款,组合贷款总的贷款额度不得超过70万。   若购房人希望获得较低的贷款利率,那么公积金贷款是首选,只是其放款时间较长,着急买房的人最好考虑到这一点。若购房人没有公积金,或者公积金缴存时间不长,希望较快获得贷款的,可以选择商业贷款,要注意由于银行优惠政策不同,申请时要货比三家。   若购房人购房者借款额度较大,且贷款的期望额度已经超过公积金贷款的可贷额度,可选择组合贷款方式,但是由于受到公积金贷款和商业贷款双方条件的限制,办理起来会复杂些,放款速度自然也会慢一些。总之,购房者一定要注意权衡利弊,选择适合自己的贷款方式。   贷款期限为多久   银行规定,商业贷款借款人的贷款期限最长可以计算到借款人65周岁,同时不得超过30年;公积金贷款,借款人的贷款期限最长可以计算到借款人70周岁,同时不得超过30年。   贷款期限也要根据个人还款能力确定,期限长了交的利息就多,期限短了每月还款压力会变大。另外,购买二手房时,房龄也是银行确定贷款年限的重要因素,通常是根据房屋剩余所有权时间综合计算贷款年限,如果房龄过大,也可能贷不到最长期限。总的来说,贷款期限不是越长越好,要保证在自己的经济能力范围内,同时注意各地房贷政策的差异性,合理确定贷款时间。   原标题:9月合肥楼市多盘价格上涨相关的主题文章: