I want to borrow money to buy a house. How is the loan more appropriate?
Loans to buy a house can be divided into housing provident fund loans, bank mortgage loans and portfolio loans. For residents who have already paid the housing provident fund, when buying a house with a loan, they should get a low-interest loan from the housing provident fund. Housing provident fund management can issue provident fund loans, the limit is generally 1,-29, yuan. If the purchase price exceeds this limit, the insufficient part should apply to the bank for commercial housing loans. You can choose according to your actual situation.
1. Housing provident fund loan: For residents who have already paid the housing provident fund, when buying a house with a loan, they should get a low-interest loan from the housing provident fund. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period.
2. Bank mortgage loan: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans.
3. Portfolio loan: Provident fund loans that can be issued by housing provident fund management, with a limit of 1,-29, yuan. If the purchase price exceeds this limit, the insufficient part should be applied to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of a bank. The interest rate of portfolio loan is moderate and the loan amount is large, so it is more selected by lenders.
how to look at the house feng shui
1. First of all, look at the rivers and roads. If there are rivers and roads that bend around the building, it is auspicious. If there is a bow of the river or road facing the building, it is not auspicious. The road or river rushes straight for the arrow.
2. Depending on the building or mountain, it is lucky to have a tall and flat building or a beautiful square, garden and pointed mountain behind it, and it is unlucky to have a low back or a messy back, a gap, a sharp shot, too much pressure, etc. It is unlucky to avoid pressure, block in front, a house arrow, a corner and other buildings that look like murder weapons, and the front is wide and the scenery is beautiful. The buildings on the left are generally lucky when they are higher than those on the right, and the buildings on the right are higher than those on the left, but the buildings with strange shapes are generally unlucky.
3. According to the topography, it is not suitable to build a building on the top of an isolated mountain or on a water body. It is not a good choice to build a building on the ridge of a mountain range or on a water body. Can't be built under cliffs, etc.
4. See if there are temples, military and police departments, crematoriums, cemeteries, prisons, shrines, etc. around. Yangzhai should be far away from such buildings. Generally speaking, the surrounding mountains and rivers are beautiful, the back is high, the front is beautiful, the environment is clean and beautiful, there is no obvious shape, the lighting is well ventilated, peaceful and quiet, which is a good environment, that is, feng shui.
The above-mentioned small series introduced the question about how I want to borrow money to buy a house. The repayment method can be divided into stages, or the way of matching principal and interest or choosing average capital is a very good loan form, and it is also a more widely used type now. How to look at the house feng shui, some taboos and common sense of these feng shui can be learned more, which is very helpful for buying what kind of feng shui house. These related contents can be consulted more.