In the last issue, it was mentioned that the mortgage was too strict in terms of increasing the value of the property, but it wanted to lend more money.
You can only give up the high-quality mortgage, pay off the loan at one time, and then mortgage, which is called cut-off and remortgage.
there is a kind of' fake' second mortgage, in which the loan is paid off first and then mortgaged, which is also called cut-off and then mortgaged.
that is, the last loan is eliminated, and those that are re-mortgaged are all called cut-off and re-mortgaged.
It requires a huge amount of money to pay off the loan. I originally wanted to lend more money, so I had to find a third party to advance the money to pay off the loan. After the mortgage is released, I will return the interest and the advance money to the third party. This is called crossing the bridge.
very vivid, cut off, cross a bridge, mortgage again, and pay the toll.
in the loan intermediary industry, the term "6 yuan to 1 yuan" means to borrow 1 yuan with interest of 6 yuan to 1 yuan a day. Generally, the interest is high when private funds are tight, or the interest is high when you borrow less, because the advance company wants to earn more.
like $1,, the monthly interest is 3 yuan, the monthly interest is 3 points, and the annual interest is 36 points, so it is only suitable for the short term, and the sooner the better.
Therefore, it is very important to choose a reliable professional loan intermediary. For example, some mortgage products are poorly selected.
It is very risky to cross a bridge every one or two years. Who knows if the bank will mortgage you again?
Some banks sometimes face supervision because of their excessive debts, and it is very likely that they will deliberately guide you to pay off the loan in advance, and then it will be very difficult to stop accepting your mortgage.
if you change banks, the interest will be overwhelming for half a month.
then someone asked, is there a low-interest and safe financing channel that ordinary people can access?
Yes, we can learn from foreigners to control foreigners. There is a black technology tree on credit cards in the professional real estate speculators' reservoir forum.
but I advocate positive cash flow, and highly leveraged real estate speculators use credit cards to make down payment to make negative cash flow, and I advocate using it to smooth out the "spikes" of cash flow, so that people don't have to borrow large short-term funds everywhere.
lighting up this technology tree can also cope with the amount demand of sudden crisis, but I won't talk about these too deep and sensitive things for the time being.
In the next issue, I will talk about the practical terms that the public must know about house viewing, such as the floor plan, floor plan, apartment type, orientation, elevator-door ratio and so on.
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