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首付越少越合适 依据中央银行的规定,购房贷款不超过房价的80％,就是说购房者必须准备20％以上的首期房款。 专家建议购房者最好能申请到70％—80％的抵押贷款,因为在某种程度上,贷款愈多愈好,首付愈少愈好,当然这一切都应控制在购房者的负债能力之内。首期付款额低,就意味着合同期内每一期的付款额高,特别是利息负担会多一些,但购房者将有多余的资金用于改善其生活品质和其他投资。因为其他投资的收益有不少项目都高于贷款利率,所以选择较低的首期付款为好。 另外,现在民生银行推出了新的贷款方式:转按、加按、换按,以方便购房者选择。其中,变更住房借款人简称“转按”,延长借款期限或追加贷款额简称“加按”,变更抵押物简称“换按”。如果你在贷款购房以后,想把这套房子卖掉,就可以转按。这样,首付越少,转按之后,转移的利息负担就越多。假如购买一套每平方米3000元、面积100平方米的房子,按揭15年,按揭七成和
Less down payment more appropriate According to the provisions of the Central Bank, home loans do not exceed 80% of the price, which means that buyers must prepare more than 20% of the first installment. Experts recommend that buyers should be able to apply for a 70% -80% mortgage loan, because to some extent, the more loans, the better, the first pay less the better, of course, all this should control the ability of home buyers in debt Inside. The low down payment means that each payment during the contract period is high, especially the interest burden will be more, but homebuyers will have extra funds to improve their quality of life and other investments. Because many of the other investments yield more than the lending rate, so choose the lower down payment as well. In addition, Minsheng Bank has now introduced a new loan method: re-press, plus press, for press, to facilitate buyers choose. Among them, the change of housing borrowers referred to as “re-press” to extend the duration of the loan or additional loans referred to as “plus”, change the collateral referred to as “change.” If you want to sell this house after you buy it, you can switch it. In this way, the less down payment, transfer after the shift, the more interest burden. If you buy a 3,000 yuan per square meter, an area of 100 square meters of houses, mortgage 15 years, 70% mortgage and