Lunar New Year bell will soon ring, during this time, almost all of the people are eagerly looking forward to the year-end bonus payments boutique en ligne louis vuitton, perhaps many people have already drawn up a detailed financial plan, figuring out how to take reasonable and happy. Stocks are a good choice, if they can profit nature could not be better to have the mortgage. But the stock is very risky, people do not understand the stock market should be cautious and to. Beijing Wei Jia Anjie individual mortgage mortgage professional organizations recommended by the consultants: real estate loans for those people who use these funds for early repayment, both cost-effective and would be a wise choice.

For a loan, whether to reduce the loan amount or reduce the loan period for borrowers who can play the role of savings in interest payments.

Example: In September 2006, Mr. Wang bought a hand near Zhongguancun in Beijing real estate, houses total 100 million, 20-year loan period. Mr. Wang was 400,000 down payment, the remaining 60 million through loans to pay. Mr. Wang is the most common choice of principal and interest equal repayment method (because it is the first to buy a home, in the prime rate loans by banks), this means the interest rate does not change in the next case, his 20-year require a total repayment of about 1.016 million yuan, which includes interest of approximately 416,000 yuan. Mr. Wang is a private company executives, and every end has a more generous year-end bonuses this year, will get about 10 million.

From loan to the present Acheter des chaussures Louboutin, Mr. Wang has been the loan of about 12,700 yuan, of which about 4,000 yuan of principal, interest also about 8 Chaussures converse,700 yuan, about 596,000 yuan needs of principal . If Mr. Wang will be in the hands of which 100,000 yuan for the whole early repayment, the repayment in his 20-year total of about 852,000 yuan, more than the original interest savings of about 164,000 yuan. This is a common real estate lenders, it is a significant figure.

The same time Vente louboutin soldes, financial experts advise borrowers in recent years, in order to curb the behavior of real estate speculation, squeeze the bubble real estate economy mbt chaussures france, many countries use interest rate means macro-control.

Since last year the central bank to raise interest rates four times in a row, more than the current 5-year benchmark rate of 6.84%, the banks compete for real estate loans for this cake, for the first universal implementation of a housing loan interest rates increase the benchmark lending rate of 15%. For purchase of first homes of the people vest ralph lauren, to raise interest rates before and after the rate increase of 0.063 percentage points only, for the repayment is not too great. However, if the mortgage bank for different situations were the differential treatment, the interest rate adjustments, for example: to buy more housing units for people do not enjoy preferential interest rates, all perform the benchmark interest rate, then from January 1, 2007, every 10 loans million, 20-year loans to people who pay more interest than the previous total of about 14,400 yuan, which for ordinary mortgage who is undoubtedly not a small loss, so in this case the option of using year-end bonus payment in advance to save on interest payments, would be a good solution.

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