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不论在哪个国家,对于普通人来说,买房子都不是一件容易的事情。因此世界各国都出台有关政策,调节住房贷款的利息,鼓励私人购买住房。而在偿还贷款时,各国还贷时间为15—30年不等,部分国家还会利用退休金等多种形式进行补贴。德国工薪、白领、生意人贷款有差别德国出台三种买房的贷款形式,分别针对不同的购房群体。第一种方式中,借贷人每人每年向银行偿还同等数额的钱(包括贷款和利息),这种方式由于每年还贷的压力比较平均,适用于普通工薪家庭;第二种贷款方式是一开始还贷压力很大,之后逐渐减少,这一种方式适用于比较宽裕的家庭;第三种贷款方式中,借贷者可以在还贷期限的最后一次付清贷款,中途只须支付利息,但是贷款者的人身
No matter what country, for the average person, buying a house is not an easy task. Therefore, all countries in the world have promulgated relevant policies to adjust interest rates on home loans and encourage private purchase of housing. In the repayment of loans, countries repay time for 15-30 years, some countries will use various forms of subsidies such as pensions. German wages, white-collar workers, business loans are different Germany introduced three kinds of loans to buy a house, respectively, for different groups of buyers. In the first method, the borrower repays the bank an equal amount of money (including loans and interest) each year, which is suitable for average wage-earners due to the relatively average annual repayment pressure. The second type of loan is one The pressure to start repaying is high and then declines gradually. This approach is suitable for relatively well-to-do families. In the third way, borrowers can pay off the loan the last time they repay the loan, paying interest only halfway, but The borrower’s body