Teach you to get low interest decoration installme

2022-07-22
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Abstract: Nowadays, the down payment of commercial houses with an area of more than 90 square meters has increased, which has greatly increased the financial pressure of ordinary home buyers. Where can I find the decoration money after buying a house? In fact, the decoration funds can also be solved through loans, and with the continuous innovation in the field of personal loans, now you can find some channels to obtain low interest decoration funds. The introduction of the six detailed rules of the state has made some housing loans with a minimum down payment of 20% a thing of the past. Recently, the major banks in Shanghai

summary: Nowadays, the down payment of commercial houses with an area of more than 90 square meters has increased, which has greatly increased the financial pressure of ordinary home buyers. Where can I find the decoration money after buying a house? In fact, the decoration funds can also be solved through loans, and with the continuous innovation in the field of personal loans, now you can find some channels to obtain low interest decoration funds. The introduction of the six detailed rules of the state has made some housing loans with a minimum down payment of 20% a thing of the past. Recently, the detailed rules for housing loans of major banks in Shanghai have been issued one after another. By expressly implementing the opinions of nine ministries and commissions, the minimum down payment of commercial housing with an area of more than 90 square meters will be increased to more than 30%. According to the housing status, total price, location, etc., the down payment percentage will be different, and the down payment ratio of some houses will be increased to more than 40%. With the increase of down payment, the financial pressure of ordinary home buyers has greatly increased. "Even if we buy it in central, the total price of the house is around 1million yuan, and the down payment needs at least 300000 yuan. But we have only worked for threeorfour years, and we have to use our parents' savings. Even so, where can we find the decoration money!" White collar small hair big hair emotion. In fact, the decoration funds can also be solved by loans, and with the continuous innovation in the field of personal loans, now you can find some channels to obtain low interest decoration funds. Saving interest by borrowing provident fund and borrowing decoration money with provident fund? This was only a good wish in the past. Fortunately, the provident fund center has repeatedly introduced new measures, and expanding to the field of decoration funds is a key step. Borrowers who meet the borrowing conditions of provident fund can apply for a major (decoration) repair loan of personal housing provident fund from Shanghai Housing real estate guarantee company only by providing relevant materials such as the housing decoration contract and the decoration down payment invoice when applying for a housing loan. The loan amount is up to 300000 yuan, less than 70% of the decoration project amount, and the maximum construction area per square meter is 1000 yuan, The loan amount plus the housing loan balance shall not exceed the specified percentage of the housing price (70% or 80%). This is undoubtedly good news for ordinary people. On April 29 this year, the benchmark interest rate of one-year loans of financial institutions was raised by 0.27 percentage points, and loans of more than five years (inclusive) were raised from the current 6.12% to 6.39%. The increase rate of provident fund is only 0.18%, and the loan with more than 5 years (including) is adjusted from the current 4.41% to 4.59%, and the gap between the two is widened to 1.8 percentage points. According to the latest proposal put forward by Wen Linfeng, director of the Policy Research Department of the Ministry of construction, the interest rate of provident fund low interest loans can be appropriately reduced to 2%-3%, which can truly reflect the advantages of policy finance, which means that the interest rate gap between provident fund loans and commercial loans may be widened in the future. With such a large gap, the larger the loan amount, the better. However, according to the latest regulations in the second half of last year, the standard for determining the loan limit of the provident fund is that the lender with more than 5000 yuan of the general provident fund can directly loan 200000 yuan, and the loan limit of the lender with less than 5000 yuan is calculated by 40 times of the deposit balance (the maximum is not more than 200000 yuan). Compared with huge loans, some proportions are too small. Applying provident fund to decoration funds is a good way to expand the proportion of provident fund. According to the personal loan expert of Minsheng Bank Shanghai Branch, the bank has obtained the qualification of undertaking personal housing provident fund major (decoration) repair loans. In this way, the borrower can obtain more provident fund loans, and its loan structure has changed, that is, the proportion of provident fund loans in the total loan amount has increased, while the proportion of commercial loans has decreased. Due to the low interest rate of provident fund loans, the borrower can greatly reduce the loan cost through personal housing provident fund overhaul (installation) loans. For example, Ms. Chen bought a house in 2006, which was 150 square meters, with a total price of 2million yuan, of which the total price of decoration was 250000 yuan, and she applied for a housing portfolio loan (provident fund loan of 300000 yuan, commercial loan of 1million yuan, with a term of 20 years). Because Ms. Chen bought a house with decoration, She applied to Minsheng Bank for a major (decoration) repair loan of 150000 yuan from the personal housing provident fund (based on the loan of 1000 yuan per square meter, the maximum loan amount of the major (decoration) repair loan from the 150 square meter housing provident fund is 150000 yuan.), The loan term is also 20 years. In this way, reducing the original commercial loan of 1million yuan to 850000 yuan, and replacing the commercial loan with a provident fund loan of 150000 yuan for 20 years can save 23.264 million yuan in interest expenses. It is reported that at present, in addition to Minsheng Bank, Shanghai Construction Bank also has the qualification to undertake provident fund decoration loans. Provident fund decoration loans can only be made in the lending bank of housing loans. Customers who have borrowed can also apply for provident fund major (decoration) repair loans as long as there is a balance in the housing provident fund and a decoration contract is provided. The comprehensive credit enjoys the downward floating interest rate to obtain the decoration funds. The traditional way is to apply for personal housing decoration loans. Take China Construction Bank Shanghai Branch as an example. As long as the pledge, mortgage and qualified third-party natural person guarantee recognized by the bank can be provided, the borrower can apply for a decoration loan with a minimum term of half a year and a maximum term of no more than 5 years (including 5 years). The starting point of the loan is 5000 yuan (including 5000 yuan), and the maximum is 150000 yuan (including 150000 yuan). As it is classified as personal consumption loan, the interest rate of this kind of loan is basically implemented in accordance with the benchmark interest rate. Moreover, it takes a long time to go through complex mortgage, pledge and guarantee procedures from application to loan. But if you use the bank's "personal loan link" to obtain decoration loans, the situation will be completely different. According to the relevant person of the bank, "personal loan link" is a personal credit product or product portfolio that provides one-time credit and multiple recycling to high-quality personal customers based on the maximum mortgage of personal real estate. As long as the "personal loan link" is handled, you can get up to 80% of the credit line, and within this limit, if your housing loan is not used up, or you have already repaid in advance, you can easily get a decoration fund up to 150000 yuan. The application procedures are convenient, the funds are in place quickly, and the longest term of the loan is extended from the past five years to 10 years. The biggest advantage of this operation is that you can enjoy a discount of 10% lower than the maximum interest rate, which in the past was the treatment that only housing loans could enjoy. The threshold of this product is not high. New people can apply for this business if they have no bad credit record, stable income, sufficient repayment ability, and qualified collateral. The installment payment for decoration can also save money. Another problem faced by Xiao Han, who has also bought a house, is that he has already used up the upper limit of 80% of the loan because of the heavy down payment pressure, so there is nowhere to borrow the decoration money. But there is no money on hand, only monthly salary. So how to solve the decoration? Credit card is an important way to help Xiao Han. Since May this year, the credit card center of China Merchants Bank has joined hands with B & Q, China's largest building materials supermarket, to launch a financial innovation product "home decoration easy", a six-month interest free installment decoration project with a maximum of 150000 yuan. The biggest function of this product is to increase the credit card installment limit of cardholders' purchases of home decoration and building materials at designated merchants (B & Q). Wei Zhe, assistant general manager of China Merchants Bank Credit Card Center, said that "home decoration" can be divided into large-scale home decoration and ordinary retail. Large-scale home decoration refers to the customers who sign a contract with B & Q decoration Center, and can pay the floor installation fee and labor fee in installments. According to the credit status of the cardholder, the amount can range from 10000 yuan to 150000 yuan, with a maximum of 24 months of installment payment. For large-scale home improvement installment purchase with "home improvement easy" service, in addition to the number of original installments, you can enjoy another 6-month delayed repayment period, enjoy zero down payment and zero interest rate for the first 6 months, and pay the first payment from the seventh month. "Special POS machines and systems are used for card swiping of this business. Customers who choose this business in B & Q stores can swipe their cards on special POS machines. For customers with good credit and actual needs, we can provide a special credit limit higher than their credit card limit to handle this business, and the limit can be given to 1.5 ~ 2 times the original limit of the customer." The relevant person in charge of China Merchants Bank Credit Card Center said. Ordinary retail customers who buy goods in B & Q can also enjoy installment payment of 3000 yuan to 50000 yuan, but do not enjoy deferred payment. Of course, there is no free lunch in the world. Although "interest free" is a major advantage of credit card installment payment, handling charges exist. According to the reporter, if the decoration payment is fully paid within the first month, there is no need to pay any handling charges. If the installment payment is adopted, the handling charge for the 12 installment repayment is 3.5%, and the handling charge for the 24 installment repayment is 8%. The converted capital use cost is still more cost-effective than ordinary decoration loans. If another way to obtain decoration funds is used, the borrower needs to carefully measure it. At present, both China Merchants Bank and Bank of Shanghai have launched a business called "grace period housing loan", which means that in the first oneortwo years of the housing loan, the principal of the loan will not be repaid temporarily, but only the interest will be repaid. The saved funds will be accumulated every month, and part of the decoration money will be obtained one year later. The biggest feature of this kind of business is that after the issuance of personal housing loans, the borrower only needs to pay interest every month for a certain period of time agreed in the contract, and will not repay the loan principal temporarily. After the expiration of the grace period, the principal and interest shall be repaid in the form of equal principal or equal principal and interest agreed in the contract. But in this way, the decoration money is obtained. Because his principal has not changed in the first 12 months of the first year, the interest expenditure will be much more. The bank staff helped the reporter roughly calculate an account. For the 500000 yuan housing loan with a 20-year term, the repayment method of equal principal was adopted. If the two-year "grace period housing loan" was used, the principal of 50000 yuan could be temporarily reduced for decoration in the first two years, but the interest paid in the first two years reached more than 3000 yuan

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