Knowledge 1. The problem of commercial loan VS real estate accumulation fund is the most fundamental. For loans of more than 5 years, the interest rate of housing provident fund is 3.
25%, commercial loan 4. 90%。
We all know that priority should be given to housing provident fund loans, the maximum amount is not acceptable, and we can take a commercial loan portfolio. I remind everyone: people who need to buy a house should not use the housing provident fund to rent a house, but save it for future loans.
Knowledge 2: average capital VS equal principal and interest average capital, that is, the principal you have to pay back every month is the same, plus the interest on the remaining arrears. Equal principal and interest, that is, you have to pay back (principal+interest) every month is the same.
Take the commercial loan of 654.38+0,000,000,000 yuan to be paid off in 20 years as an example: the total amount of equal principal and interest repayment is 654.38+0.57 million 665. 72 yuan, interest 570665.
72 yuan: The average capital repayment is 65,438+0,490,000 yuan and 20,465,438+0. 67 yuan, with total interest of 490,000 204 1.
67 yuan: According to the total interest, it must be that the average capital is more cost-effective than the equal principal and interest, and the interest is as low as 80,000 yuan. However, the repayment pressure in the average capital is greater than the matching principal and interest, which is 6544 yuan per month.
44 yuan and Average Capital ranked first in repayment demand of 8,250 yuan per month, followed by less and less principal, less and less interest (for example, about 17 yuan per month), and less and less repayment pressure. These two methods have their own advantages and disadvantages.
Young people, if they are under great financial pressure when they get married, there is still a difference between paying 8 thousand and 6 thousand a month, so it's no harm to choose equal principal and interest. But if you want to be more favorable in total interest, you can choose average capital.
Knowledge 3. Repayment period: 20 years VS 30 years. Many people are also confused. After all, my mortgage is still suitable for a few years, whether it is 20 years or 30 years. Let me use the above analogy to analyze it: 1 10,000 and other 20-year commercial loans with equal principal and interest accounting, with total principal and interest10.57 million 665.
72 yuan. Total principal and interest for 30 years1910,000 616.
19 yuan, 30 years is nearly 460,000 yuan more than 20 years. Then why should I pay it back for 30 years?
We should think about the purchasing power of RMB caused by inflation. Do you know how much the purchasing power of RMB will decrease in 10? In 2006, you still thought 1 10,000 was a huge sum. Now? According to the data published by the People's Bank of China, it is calculated that the annual growth rate of broad money supply in China is about 13 since the end of 20 12.
9%, China's real annual inflation rate is about 6. 3%。
According to the data, today's 6.5438+0 million yuan, 20 years later, 654.38+00 is equivalent to today's figures. The expansion of the call is virtually devouring your wealth, so as time goes by, even if you pay back the same amount of money. But later, you actually paid less and less.
Mortgage is really the lowest interest rate loan we can borrow from the bank, with an annualized interest rate of 4. 9%, plus inflation, if according to the data of 20 12, the inflation rate is really 6.
3%, you owe money to the bank, but you are actually making money! Therefore, in fact, the longer you borrow it, the more cost-effective. Paying less mortgage every month can reduce the economic pressure, and secondly, you can have more money to manage your finances. Why not? Knowledge 4. The summary is as follows: 1, housing provident fund > housing provident fund+commercial loan portfolio > commercial loan 2. Equal principal and interest: the total interest is high, but the pressure of early repayment is small; Average capital: the total interest is low, and the pressure of prepayment is high. 3. Repayment period: The longer, the higher the total repayment amount, but considering the inflation factor, the longer the borrowing time, the more cost-effective.
2. Is bank loan risky? What are the necessary tips?
(1) Is bank loan risky? The following is the specific content:
1. The basic management work is weak and the credit files are seriously missing. Mainly manifested in the lack of financial information of borrowers and guarantors, loan mortgage vouchers, post-loan inspection reports, collection notices and other information.
2. The loan separation system is not strictly implemented. Mainly manifested in: (1) the establishment of a separate institution for examination and loan is slow; The loan examination and approval institution is a mere formality. For example, loan officers often fill in loan contracts, IOUs and other legal documents and loan vouchers before loan approval. The signing date of contracts and IOUs is earlier than the loan approval date, and the loan amount and term are different from those approved.
3 loan "three checks" system is not implemented. Mainly manifested in: first, the pre-loan investigation is a mere formality; Second, the review and submission of loans are not strict; Third, the post-loan inspection tracks the lender's loan usage on the surface, ignoring the tracking investigation of the borrower's post-loan credit status, changes in collateral, guarantor's operation and changes in contingent liabilities.
4. The loan handlers have weak legal knowledge and awareness, and the loan loses legal protection.
(two) the necessary tips for bank loans are as follows:
According to different classification standards, the types of bank loans will be different.
1. According to the operating attributes of loans, they can be divided into self-operated loans, entrusted loans and specific loans.
2. According to the loan term, it can be divided into short-term loans, medium-term loans and long-term loans.
3. According to the economic nature of the loan subject, it can be divided into state-owned and state-controlled enterprise loans, collective enterprise loans, private enterprise loans and individual industrial and commercial households loans.
4. According to the credit degree of the loan, it can be divided into credit loan and secured loan ~
3. What are the most common loan methods?
1. Credit loan Credit loan is an unsecured and unsecured loan type. The loan amount is generally not fixed, not exceeding 65,438+10,000-200,000, and the loan period is not fixed, but at present it is mainly short-term.
Generally speaking, to apply for a personal credit loan, you need to provide the following information: proof of income, personal credit rating of the bank, personal professional information, etc. 2. Housing mortgage loan Real estate mortgage loan is a financing method in which the borrower provides guarantee to the lender with his own real estate as collateral and issues competitive loans on the platform.
The borrower can also use the collateral to re-set the mortgage and make full use of the value of the collateral. 3. Vehicle mortgage loan Vehicle mortgage loan refers to the borrower's borrowing with the vehicle as collateral, which is usually used to solve the short-term capital turnover problem.
Under normal circumstances, the car mortgage can only reach about 70% of the valuation, and the time is divided into one month, three months, six months and twelve months. 4. Equity pledge loan Equity pledge loan refers to a financing method in which stock holders can provide counter-guarantee to the online lending platform by holding shares of the company without cutting and selling their shares, and the platform will issue competitive loans.
Most large enterprises choose this way to borrow money. 5. Supply chain finance Supply chain finance refers to the credit business in which the platform evaluates the credit qualifications of small and medium-sized borrowing enterprises based on the credit of the core enterprises, according to the real trade background and the credit level of the core enterprises in the supply chain, and provides financing support for the upstream and downstream of the core enterprises and enterprises.
It mainly includes prepayment financing mode in purchasing stage, chattel mortgage financing mode in operation stage and accounts receivable financing mode in sales stage. 6. Bank bridge fund is a kind of short-term financing with a term of 6 months, which is a kind of financing connected with long-term funds.
The purpose of providing bridge funds is to enable borrowing enterprises to meet the conditions of docking with long-term funds through the financing of bridge funds, and then long-term funds can replace bridge funds. 7. The bill business involved in the bill loan online lending industry is mainly bills of exchange, including bank acceptance bills and commercial bills.
The business models of the platform include bill discount, bill pledge, entrusted trade payment, domestic insurance, foreign loans and so on. Among them, bill discount is a typical one.
Bill discount means that the borrower pledges the bank acceptance bill to the platform. In order to avoid legal risks, bills are generally entrusted by third-party payment companies or banks, and then the platform issues the loan target for investors to bid. 8. Financing lease loan Financing lease means that the lessor purchases the leased property from the supplier according to the specific requirements of the lessee and the choice of the supplier, and the lessee pays the rent to the lessor in installments. During the lease period, the ownership of the leased property belongs to the lessor, and the lessee has the right to use the leased property.
At present, many platforms cooperate with financial leasing companies to carry out this business. 9. Fund allocation Loan fund allocation refers to the process that the borrower publishes the financing of the loan target on the platform through certain leverage on the basis of the original funds, mainly including stock fund allocation, futures fund allocation and warrant fund allocation.
10, asset securitization of asset securities loan refers to the business of packaging offline non-standard corporate bonds into online standardized small loan asset packages, cooperative guarantees and small loan companies' commitment to repurchase at a premium. Asset securitization exchanges are more transparent in registering entrusted asset packages and investors' rights and interests.
4. What are the precautions for microfinance?
Precautions for small loans: 1. Many small advertisements say that only ID cards can be used for loans, and banks and loan companies will not lend money only by ID cards.
2. Although the amount of microfinance is not large, it is also a loan. Any form of loan, whether it is bank or private lending, needs to prove that you have the ability to repay.
In other words, those who claim that 100% has no loan conditions need to be on guard. 3. When choosing a lending institution, pay attention to asking about the loan interest rate. It is illegal to be more than 4 times higher than the benchmark interest rate in the same period.
Don't take risks when applying for a loan. Without good personal credit and repayment ability, any lending institution will not pass the audit.
5. See if there is any charge before the loan. If you charge in the name of various fees and interests, but don't lend, it is an informal loan company.
5. What problems should be paid attention to in loan?
Problems needing attention in loan: 1. The loan information should be true. When buyers apply for personal housing mortgage loans from banks, banks generally require buyers to provide corresponding income certificates, such as personal occupation, position, salary and other economic income.
If the property buyers provide false materials to the bank, it may have a serious impact, ranging from affecting the bank's audit, * ultimately failing to issue loans, to bear the liability for breach of contract and pay a considerable amount of liquidated damages. 2. If the mortgaged house is to be rented, the lessee must be informed in writing of the fact that the house is being repaid and that it has been mortgaged during the loan period.
If the mortgage is exercised by the bank because the buyer is unable to repay the loan in the future, the buyer can only be exempted from the liability for compensation to the lessee if he fulfills the obligation of informing.
6. What do you need to know before private loans?
First of all, borrowers should pay attention to the qualifications of private financing companies, check the company license, tax registration certificate and other documents of the institution, and consult the business personnel of the company to understand the professional level of their business personnel.
Secondly, the lender should pay attention to the borrower's reputation and repayment ability, including understanding the borrower's fixed assets and economic income, and judging whether it has repayment ability. Third, pay attention to the borrower's borrowing purposes.
China's "General Principles of the Civil Law" stipulates that legal lending relationships are protected by law. If the lender still borrows money while knowing that the borrower is engaged in gambling, smuggling, fraud, drug trafficking, drug abuse and other illegal activities, it is illegal to borrow money, and its lending relationship is not protected by national laws. Lenders' creditor's rights are not protected by law and may also be investigated by law.
7. What are the loan openings for15 days?
The following 15-day loan is recommended: 1. Multiple wallets are called "lightning loans" and can be paid every second.
The maximum loan is 6000 yuan, and the reference daily interest rate is 0. 03%, borrow 6000 yuan a day 1.
8 yuan's interest. The loan term is 7- 180 days, and the applicant is required to be 18-40 years old, and the real-name registration system has a mobile phone number.
User evaluation: Multiple wallets are very fast, and it really takes 14 days to borrow them. 2. Secondman is a new online portal with a pass rate of 98%.
The loan amount is 2000-5000 yuan, and the reference daily interest rate is 0. 04%, the fastest loan 1 hour, and the loan period is 7-365 days.
Registration conditions: 20-40 years old, mobile phone number of real-name registration system for 6 months. User evaluation: Secondspeed paid very quickly in summer, and applied for a loan with a term of 14 days. It arrived in less than an hour, and the applications of people around it were all passed.
3. Changda Express Loan Changda Express Loan is a large second-batch online loan product. The maximum loan amount is 654.38 million yuan. If Sesame Credit authorizes it, it can be approved in seconds. In addition, you must be 18-45 years old and have a mobile phone number in the real-name registration system for more than 6 months.
The loan interest rate of Changda Express Loan is also relatively low, and the daily interest rate is 0. 02%, the fastest loan 1 hour, and the loan period is 7-730 days.
User evaluation: the loan was received after Sesame Credit was authorized. 20 19 years, the second loan 14 days is my first choice. The loan amount is large and the interest rate is low.
8. What are the methods of fast microfinance?
The method of fast micro-loan is as follows: 1. Choose a regular platform. When choosing a loan platform, we should choose a legal, formal, well-qualified and large-scale online loan platform.
Don't believe in scams such as benefit fees and brushing orders claimed by some platforms. Second, understand the loan cost. Learn in detail what the loan costs, and whether there are management fees, service fees, deposits and other fees besides interest.
Compare and choose an online lending platform with reasonable fees and within its own scope. Third, the loan interest rate Ask what the loan interest rate is, see if the loan interest rate is within a reasonable range, and don't fall into the usury trap.
Fourth, choose the loan that is not cheap as the repayment method, and choose the withholding repayment method of the platform, because once the online lending platform adjusts the deduction amount, it is likely to deduct the bank card balance. It is suggested that the loan platform recharge first, and then repay manually, so as to better control and use the funds in the borrower's card.