- Everbright Bank "heart also" personal housing loan products Everbright Bank launched the heart of the individual housing loans to innovative products to provide a more flexible way to repay, to better meet the short supply of low loans, personalized repayment, interest rates and other loan needs. Random also housing loans provided a, b two new repayment. I also have a loan ...
- Personal housing loans of the three repayment methods Individual housing loans according to the different loans can be divided into mortgage and mortgage loans in two forms. Mortgage loans can be subdivided into provident fund loans, commercial loans and portfolio loans. In the mortgage loans, there is no provident fund or deposit provident fund for 12 consecutive months to ...
- The way of repayment of individual housing loans 1, the maturity of a debt service loans in the loan period, not the monthly repayment of principal and interest, but the loan after the expiration of one-time return of all the principal and interest, the current People's Bank issued a year (including 1 year) of individual housing loans, is used in this way ...
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- Novice to see personal housing loans five kinds of repayment method summary In general, the current personal housing loan repayment methods are five: First, the maturity of a debt service method, this method is only applicable to the loan within a year, basically not suitable for mortgages; , The amount of principal repayment method, the first month of this method repayment ...
Personal housing loans to repay the way introduced
1, expired a debt service method
Loan applicants in the loan period, not the monthly repayment of principal and interest, but the loan after the expiration of one-time return all the principal and interest, the current People's Bank issued 1 year (including 1 year)Personal housing loans, Is used in this way.
The principal and interest repayment method is a way of repayment of the principal amount of the loan with a monthly repayment. As the monthly repayment amount is the same, simple and simple, applicable to the entire loan period of family income has a stable source of credit, such as state organs, scientific research, teaching staff and so on. CurrentlyHousing provident fund loansAnd most of the bank's commercial individual housing loans are used in this way.
3, the amount of principal repayment method
Also said that with the Qing law, and so on the law does not wait for repayment, that is, the loan will be the average amount of loans to the entire repayment of each period (month) return, while paying the previous trading day to the repayment A repayment of interest on the day. This month the amount of monthly repayment decreases month by month, more suitable for already have some savings, but the expected income may be gradually reduced loan applicants, such as middle-aged workers family, its existing savings, but in the future with retirement Near income will be diminishing. The way was launched in January 1999 and is being gradually adopted by banks.
In addition, there are still a small number of domestic banks (such as the Construction Bank) is large and medium cities in the pilot two new ways of repayment:
1, equal to progressive repayment method
Also known as the ratio of incremental (minus) progressive method, that is, the entire repayment period by a certain period of time division, each time period than the previous time (less) according to the agreed fixed ratio, and each time period A repayment method of repayment of principal and interest on the same amount of repayment.
2, the amount of progressive repayment method
Also known as the amount of incremental (minus) progressive method, and its "equal progressive repayment method" is similar to the difference is that each time period agreed on more (less) repayment of the "fixed proportion" to "fixed amount "To repay the principal and interest of the loan with the same amount of repayment in the same period in each time period.
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