Step 1: Locate the key
financial experts pointed out that the monthly income of 5,000 yuan middle class seems to be “rich”, but before the decision to purchase, from a variety of factors to proceed, the measure of family income levels, the existing The amount of deposit, line of credit available and relatives subsidy correctly estimate their actual purchasing power in order to finalize to purchase housing type, size and price. Because the purchase of the lot, area, the total price of the housing, and other factors will directly affect the future of bank evaluation and the final lending amount.
Step 2:
shop around
many banks have introduced a “direct customer service,” service model with the traditional loan financial institutions is “collision”. Objectively speaking, the banks’ direct customer service with money-saving advantages of relatively homogeneous loan products, loan financial services institutions from lending professional, real estate, the authority of the monetary policy, as well as to master a number of banks angle, of the loan products have an unparalleled advantage. Therefore, buyers should “loan to buy a house before the loan more than three, to choose their own loans on commission.
third step: pay attention to loans
links for loans,
middle-income groups should be noted that the loans, taking into account the factor of “prepayment”. Although the monthly income of 5,000 yuan, but for the possible changes in the future one can expect, especially before the monetary policy at this stage “swing” market conditions, it should pay attention to select the most suitable repayment, but also both factors to loan prepayment.
abandoned the principal and interest “turn” the principal “. Although the banks have introduced different types of loan products, but so far, the mortgage the most commonly used method of repayment is only limited to “matching principal” and “equal installments of principal and interest. These two methods, perhaps the mortgage has been accustomed to using equal installments of principal and interest repayment. However, “equal principal repayment for mortgage in the policy of many financial market environment, although the initial repayment borrowers will feel the burden of monthly heavy, but with the return of principal increase in interest expense will be reduced, the final repayment pressure will reduce.
should , as early as possible to do “early repayment” plan. Should be noted that, demand for early repayment of the bank, such as some banks provide loans a year to early repayment, some banks provide for early repayment if the 10000 integer multiple of some banks need to charge a certain amount of liquidated damages.
The fourth step
: Control your personal finances
middle-income people monthly income is not cheap, but also pay attention to the control of personal financial expenditure, to avoid over-consumption and lead to “economic crisis”. Personal liability under the general principle should not exceed 50% of the total assets of individuals or the security of the family assets will be threatened. “Cut” is even more important, the only reasonable arrangements for the expenditure in order to ensure that families have the appropriate funds for other investment planning to achieve the purpose of “open source”.
“Wei Jia Anjie” financial expert pointed out that the middle class social base and the backbone of social stability in the economy. So, intensify macro-control, financial policy, “filled the air,” countries should adopt a sound legal system, effective tax system and the corresponding social security system, while protecting the economic interests of the lower income groups, appropriate and reasonable maintaining middle-class finance and real estate trends. The above information is for reference only, subject to the final developer announced.
(Money Weekly)
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