The problem of buying a house or renting a house, it is a difficult problem. Rent a house, for the business salary of the expenditure management work environment pressure influence less, but also can be at any time and place to remove and change the house and area, the overall development is also more simple and convenient. Buy a house, life proceeds the road to escape the big event, the general revenue capacity of the home to buy a house is equivalent to 低息貸款 be covered, a lifetime and a suite to get along with needless to say, buy a house for the assets of the work life pressure should not be underestimated, so many of our country has to buy a house need to prepare for the basin to put eyes on the student loan.

As a key option to ease the urgency of buying a home, loans are gradually becoming a must for all home buyers to buy a home, so how much do customers know about loans? Here are three types of universal loans for you.

1、Commercial service loans

First of all, commercial bank service business loans are the most frequently touched loan product types for everyone to carry out daily work daily study life, no matter in the loan amount, or down time all a most suitable temporary lenders.

Secondly, the relatively high interest rate is a characteristic of business loans. Although having a loan term of up to 30 years, the monthly interest rate and the continuous calculation of the cost of the loan can bring a lot of pressure to the borrower. After all, most of our actual salaries are fixed, but inevitably there will be some unexpected circumstances when these two hit and the pressure of working to repay the loan will be breathless.

Finally, if there is a default and there is no sign of rotation within six months, the house you bought will be foreclosed by the financial institution, which I believe is the least desirable outcome for you

2. CPF Loan

First and foremost, CPF loans are a tad different from the commercial bank-serviced business loans mentioned above. In the method of loan and loan repayment is much more flexible than commercial credit loans. There are a variety of forms of teaching methods to choose from, and you can offer to choose a suitable loan repayment method based on the student's own specific reality, personalized a lot of our country

The second is the interest rate problem that we are all very importantly concerned about. The CPF loan market interest rate is much lower than commercial bank service business loans, and the total loan company loan interest rate for CPF is also relatively less in the country compared to traditional commercial network loans. But beneficial students will have disadvantages, the provident fund in the loan can apply for the loan customer credit line is relatively small, you if you want to take the opportunity to develop to buy a house, their own for the early deposits need to be slightly higher, and then China is the issuance of loans application for processing time is relatively long, each employee for the relevant procedures to apply for processing up is also more inconvenient, for example, to sign a guarantee construction contract to run the area on many. For want to prevent inconvenience at home, provident fund loans are likely to affect is not such a with very good choice item.

3、Composition loan

Composition loan, refers to the provident fund loan and commercial service loan at the same time the loan method, its characteristic is both the commercial service loan high credit line, but also the provident fund loan low interest rate. Even in the next interest rate, the application of the composition method of the loan will be faster than the simple CPF loan option.

However, this loan method also has some drawbacks. In addition to the need to prepare many supporting documents in advance when applying for a CPF, customers who want to take this opportunity to purchase a second suite will also need to close the CPF loan before they can go through the following home purchase procedures again.

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ローンを組むためには何をすればいいのですか? 大口の融資を受けるにはどうしたらいいですか?

初めてローンを申し込む際には、以下の点に留意する必要があります。

そうすることで、低金利のローンを組むことができるのです。

Posted by: woqingyuanbu at 02:46 AM | No Comments | Add Comment
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