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Does the paragraph buy a house should how reasonable repay is the room borrowed?
From;    Author:Stand originally

Breed of business of loan of ● individual housing includes: Loan of individual housing commerciality, “ is secondhand loan of room ” loan, individual housing commerciality and individual housing accumulation fund entrust what loan combines to assure loan of loan, pure accumulation fund these 4 kinds.

Business of individual of ● Agriculture Bank is in concerned expert to point out: The key that buy a house depends on having loan according to the economic actual strength of oneself the effective conformity of 4 kinds of means, decide way of reasonable reimbursement time, reimbursement.

Because ● is active rate of annual interest of bank business loan, it is inside 5 years 5.31% , 5 years above is 5.58% , because this consumer is in,still borrow ahead of schedule certainly period when had not crossed a time as far as possible paragraph.

Nearly two years, more and more citizen loan buy a house, but the buildup as people finance consciousness, everybody also can hit ” of dozen of “ gold abacus when loan, seek a kind of reimbursement way that suits oneself.

The investigation of branch of Shanghai of Chinese agriculture bank makes clear: The citizen of 90% pays attention to reimbursement means, reasonable loan time limit more while the choice buys a room to borrow money, idea of buy trade conduct financial transactions moves toward maturity to change stage by stage.

Understand business of 4 kinds of loan

Current, each commercial bank already the breed of business of individual housing loan of open includes: Loan of individual housing commerciality, “ is secondhand loan of room ” loan, individual housing commerciality and individual housing accumulation fund entrust what loan combines to assure loan of loan, pure accumulation fund these 4 kinds.

To skill room, generally speaking the loan that the bank provides is highest the forehead is spent buy housing for place 80% of total cost, secondhand room loan is highest the forehead is spent 70% what do not exceed a building to assess the value, individual housing is basic accumulation fund loan is highest it is 100 thousand yuan, compensatory accumulation fund does not exceed 30 thousand yuan. The guaranty that the premise that borrower applies for to borrow money to the bank must regard loan as with its buy commodity house assures, pay place to buy housing at the same time of total cost 20% to a period money of 30% . The loan business time of bank open is the longest for 30 years, the interest rate of individual housing loan that interest rate announces according to Chinese people bank and interest rate of accumulation fund loan are carried out, loan interest rate a year certain, pressed people bank every year on January 1 namely newest the interest rate that announce undertakes adjustment.

Means of logical choice loan

How does the person that borrow money choose logical loan way according to these circumstances? Business of Agriculture Bank individual is in concerned expert to point out: The key that buy a house depends on having loan according to the economic actual strength of oneself the effective conformity of 4 kinds of means, decide way of reasonable reimbursement time, reimbursement.
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