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Playing loans, how to make loans, is the real loan?
When it comes to loans, many people who have bought a house should have experienced it. And among these people, do you know how to get a loan, which is the most suitable for you? Today, I will talk about the smart people's loan method! If you can't make a loan, you will be awake every day.
The longer the loan, the better for the lender, why?
If you borrow money, then you will have to pay a fixed amount every month. Many people ask me, the longer I borrow, the more interest there is. Then do you have to pay more for the principal and interest? I can tell you, NO!NO!NO! You think about it carefully. At this stage in China, it has always been inflation. The value of money has been depreciating. Maybe you are holding a salary of 3,000 yuan, but it is thirty or fifty. In the year, your 3,000 yuan may only be enough to buy 1,500 yuan, and even 1,500 yuan can not be bought, because there is a depreciation of this thing, so you convert it, it is earned.
The longer the loan period, the better for the borrower, why?
The price everyone borrowed 500,000 to buy a house, A is still 10 years, B is still 20 years, and C is still 30 years, the number of loans is the same, but the time is different, then calculate the monthly repayment >B>C. For those who borrow money, the monthly supply is reduced, which reduces the pressure on loans and eases the pressure on funds in life. In addition, the number of payments is fixed. After a few years, shouldn’t it be easier to return? ?
However, although I don't advocate early repayment, some people with capital are determined to pay off in advance, and I can't stop it, but if you do, I can give you a suggestion.
Usually, if you want to repay in advance, it is best not to exceed one-third of the loan term, because repayment is usually first interest, if you exceed one-third of the loan term, then you will repay in advance. Not so cost-effective. If you are lending for 10 years, you should be in the first 3 years in advance and 30 years in the first 10 years.
For those who buy a house, there is no money every month except for the mortgage. If the time is longer, they can reduce it a little more every month, and then the rest can be saved first. use.
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