1. After marriage, the commercial loan buyer turns into the property jointly owned by husband and wife, and the real estate license is the name of both husband and wife.
2. Friends who switched from business to public before marriage can only write the name of the original borrower. After marriage, he will repay the loan with his pre-marital property alone. The property ownership period still belongs to the original borrower and belongs to his pre-marital property. However, if both parties repay the loan with the same income, the appreciation part corresponding to the repayment part after marriage belongs to the joint property of husband and wife.
How soon can the money fund be sold? Money funds can be sold after the share is confirmed. For example, suppose an investor buys a money fund before Monday 15:00, and can sell it after calculating the income on Tuesday.
But in general, it is not recommended to sell, so it is meaningless to buy a fund. If you don't make money, the value of buying a fund lies in buying at the bottom and selling at the top, usually earning the difference.
Is money fund suitable for short-term investment or long-term investment? Money funds are suitable for long-term investment. The investment targets of money funds are usually cash, deposits with a term of 1 year (including 1 year), bond repurchase, central bank bills, interbank deposit certificates, bonds with a term of 397 days (including 397 days), debt financing instruments of non-financial institutions, asset-backed securities, etc.
Therefore, the risk of the money fund is not great, and the income is relatively stable. Most short-term projects don't earn much money, and they can earn very little money. Because the fluctuation of the money fund is small, the short-term profit is very small, so it is very suitable for long-term investment, but the coordination ability of the money fund is better, and the short-term financial management is ok, but it doesn't earn a few dollars.
What are the steps to transfer commercial loans to provident fund loans? 1. Submit information.
Clearly abide by the business-to-business norms, submit relevant materials, fill in the application form for housing loan, and accept important examination. In order to avoid inconvenience, it is necessary to make clear in advance which materials are essential, so as to ensure that the submitted raw materials are really patiently waiting for review.
2. Loan review
After the materials provided by the loan applicant are approved, they can receive the notice from the commercial bank, talk with the staff of the commercial bank, review and print out the applicant's personal credit report. In addition, the applicant must make a pre-loan trial calculation in the personal provident fund system to calculate the repayment ability, loan amount, term, interest and loan repayment method after the applicant becomes a provident fund loan. That's a yes. After the approval, the next item will be carried out. If the approval is not passed, provident fund loans can generally be made.
Step 3 sign a contract
According to the personal credit report investigation and repayment calculation, the applicant needs to sign a loan (pledge loan) agreement with the commercial loan bank and a guarantee contract with the financing guarantee company designated by the provident fund management office.
4. Pay the difference property.
Compared with commercial loans, the amount of provident fund loans is less. Therefore, when a commercial loan is converted into a provident fund loan, the applicant must first pay part of the difference between the total commercial loan and the total provident fund loan, which is equivalent to the down payment, and deposit it in the provident fund loan to set up a bank card account to pay off the original bank loan. The remaining loans must be settled after the provident fund loan property is issued.
5. Issuance of provident fund loans
When the applicant has completed various related matters with the commercial banks and financing guarantee companies designated by the provident fund management office, he can wait for the provident fund management office to issue the loan line, and this kind of property will be used to settle the remaining loans in the banking industry. At this time, the bank's house can be released and transferred to the provident fund management office for bidding.
6, housing mortgage, work handover
This is the last step and a very important one. Please go to the previous commercial loan bank as soon as possible to cancel the real estate mortgage loan and handle the housing loan filing. At this time, real estate mortgage loans and commercial loans have been realized, and the rest is the way to repay provident fund loans on time every month.