Information > General articles > Raiders Channel > Novice loans >  text

Fun loans, how loans, is the real loan?

Time: 2018-01-12         Source: Shenzhen Jiwu Website         Author: Kat House Network Shenzhen station

When it comes to loans, many people who have bought a house should have experienced it. Among these people, whether they know how to make a loan is the most suitable for themselves? Today, I will talk about smart people's loan method! Maybe the loan will be made to you, and you will laugh every day.


The longer the loan, the better it is for the lender. Why?

If you donate money, then you almost have to pay a fixed amount every month. Many people ask me, the longer the loan, the more the interest is. Isn't the principal and interest to return more? I can tell you, NO! NO! NO! You think about it. At this stage in our country, it has always been inflation. The value of the currency has been devaluing. Maybe you are now holding a wage of 3,000 yuan, but it will be three to fifty. In years, your 3,000 yuan may only be enough to buy 1,500 yuan, and even 1,500 yuan can't be bought because there is a devaluation thing, so if you convert it, you can make a profit.

The longer the loan term is, it is also a good thing for the lenders. Why?

The price we all loaned 500,000 to buy a house, A is still 10 years, B is still 20 years, and C is also 30 years, the same number of loans, but also the time is different, and then calculate it, every month to pay back a > B> C. For those who are lending, the lack of monthly payments means that the pressure on loans is reduced and the pressure on funds in life is relieved. In addition, the number of loans is fixed. After a few years, shouldn't it be easier to return? ?

However, although I do not advocate early repayment, some people who have capital insist on paying off early. I can't stop it, but if you do, I can give you a suggestion.

In general, if you want to repay early, it's best not to exceed one-third of the loan term because repayments usually pay interest first. If you exceed one-third of the loan term, then your early repayment becomes Not so cost-effective. If you loan for 10 years, you should be in the first 3 years in advance and 30 years should be in the first 10 years.

For those who buy a house, after every month, in addition to the mortgage, there is no money. If the time is still longer, then they can reduce the amount of each month, and then the remaining can be saved in advance to guard against use.

【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 ​​Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violations of the above statement inflicted violations of the 360's legal rights will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email:

Comment List (User comments are only for users to express their personal views, does not mean that this site agrees with their views or confirms their description)
you may also like
  • Novice Xiaobai how to play online loan investment?  Now that many people are familiar with P2P financial management, that is, online loan investment. In fact, after years of development, it has matured a lot. Say goodbye to the barbarian and brutal development history. Now you can see most of the storms running on the road are funds. Failure caused by the failure to pay, industry ...
  • Fun with unsecured loans Hangzhou 6 products sent away In today's increasingly popular concept of advancement, we have emerged from such a growing group: house bought by mortgage, overdraft of tickets in credit cards... But with the rising consumer demand, credit card overdrafts can no longer be used. Satisfy demand, how...
  • Fun unsecured loans let you "immediately rich" With the advancement of consumption concepts, the unsecured loan market has attracted a large number of people. However, despite the enthusiasm of borrowers, not everyone can get unsecured loans as they wish. So, if you want to have “immediately rich”, you may wish to take a look at the following,...
  • How do farmers apply for loans? Teach you Fun Land Management Mortgage!  From ancient times to the present, the most credit-aware Chinese in China is the peasants. Legend has it that the Song dynasty farmers had to borrow 50% of the interest rate and they had to borrow money. According to the cultivation characteristics, they inherited the habit of presenting in spring and returning from the autumn. However, rural finance has not been developed and perfected so far. There are two reasons why this is...
  • Launching E-R E-loan from Lanzhou Bank to see how traditional firms can play P2P  When people are still arguing whether Internet finance is a supplement to traditional banks or subverting such predecessors or boring questions, Lanzhou Bank officially launched its own P2P online lending platform E Rong E loans on August 6th. Among the more than 1300 P2P online loan platforms in the country, E...