Should say to which person is absent now " 3 slaves " , the likelihood does not have a few people, just possible some person occupied, some people occupied two, some people were occupied 3 times. "3 slaves " it is slave of Fang Nu, car and beautiful slave.
Loan " feed " bank?
Before a few days, the whole world most profitable 5 big companies are announced, a list of names posted up on the two Construction Banks of our country and commercial firm, nevertheless a platoon is in the 2nd, a platoon is in the 5th, but, this enough shows the profitable ability of our country bank.
The bank is become most profitable enterprise, the room borrows one of main source that also are a bank. On April 26, 2019, 33 banks that our country appears on the market published report of its outstanding achievement, according to the content of the report, the loan remaining sum that the room lends is as high as 28 trillion, hold proportion of bank total loan for 32.7% , and the room is borrowed and photograph of the corresponding period was compared last year, also rise somewhat, rise scale is 15% .
In individual loan, building loan also is more welcome. According to be versed in the travel, commercial firm, Central Bank data that publish shows, the loan that increases newly 2018 had a half to flow to building city, and in individual loan, having 80% is the room is borrowed. With class action exemple, in individual loan business, housing borrows money occupy than for 81.5% , consumptive loan was occupied only 3.6% , credit card overdraws and manage loan what remain to be occupied each namely 11.1% with 3.8% . It is labour travel not just, in the individual loan business of the Construction Bank, the building borrows money occupy than also been as high as 82.5% .
The data that from labour travel and Construction Bank publish can see, the mainest source that bank run harvests still borrows money, it is the loan of which kinds of type no matter. In the meantime, also can see, the room is borrowed also be in constant growth.
The room shifts growth, capital is flowed into, house price this what course to follow?
In individual loan, the room borrows occupy bigger than jumping over, also make clear more capital are in city of flow direction building. Begin from 2018, about the adjusting control to building city, plus the arrival of bovine city, house price got fixed rate alleviate, but arrived 2019, the demand that buys a house appeared to rise again. It is good that this lets those had been done sell a room to fry the person unawares, of come to an agreement or understanding fry, returned building city to go up again however.
The data that publishs from the bank shows, the room is borrowed increasing ceaselessly, because be compared with other business posture, the room is borrowed or have a few profit, the specified amount that the room lends spends taller, fixed number of year longer also, rate of break a contact is lower also at the same time, can score taller gain. The time limit that reachs 20 years 30 years, make more people OK enough time goes be being borrowed for the room struggle, it is have appearance of break a contact, also can reclaim with off-the-peg house property pay a debt in kind or by labour, such looking, without giving thought to how, the bank won't be in an unfavorable situation.
According to before circumstance, the room is borrowed rise 15% had presented a trend that puts delay, but the element that building city retains in a lot of inaccuracy to decide as before. But in the eye in most person, such scale still has certain difference with the anticipation of adjusting control.
The room borrows scale rising, what kind of effect can you produce to house price again? The room is borrowed rising, press a truth for, house price can get a few influences, but in the eye that studies a person in real estate, house price is the effect that won't suffer banking Wu, after all present house price adjusting control is the mainstream as before. Borrow as to bank room proportional rise, one part is the influence that is reduced by interest rate, another part was to get the influence of house price adjusting control.
Below the influence of house price adjusting control, more housing person in house price smooth period bought a house, the problem of housing got settlement, for this pair of the people's livelihood, not be a favour undoubtedly.
Return the 8 big trap that the room borrows
Since have,borrow, can have still, and return a room to borrow, to the person that most room is borrowed, meet not carefully suffer a setback. Return a room to borrow also be need skill actually, if carelessly, be equivalent to be in a bank gratuitious money.
Before wanting to applying for a room to borrow namely above all, have certain knowledge to the income of borrower and credence, and can appropriate processing. About income, the requirement is to be not gotten double under lunar reimbursement, that is to say, if your month needs to return 5000 yuan, so you the income of every month is about to have 10 thousand yuan. If income short of of yourself asks if, OK still the spouse or parents, among the cavalcade that brings into collective borrower. Credit is good with respect to it doesn't matter say, after all the society that now is credence of a be particular about, if do not have credit, estimation is " vivid " no less than going to.
It is every month should stay to oneself next sufficient to Zhang time, be in namely you every months of reimbursement when, can have difference of a time, it is you to made a money that day, also can not arrive certainly that day Zhang, once the bank did not deduct a money on time, so above the account in you, with respect to the record of reimbursement of meeting occurrence exceed the time limit.
It is the money on account of accumulation fund of individual of not optional divert next. Seeing this fund is most suffer worker family gay, wanted you to use the fund inside this only, if later you do not buy a house, won't produce what effect so, if want to buy a house, use accumulation fund is best choice undoubtedly, after all accrual has 3.25% only. But the word of use accumulation fund, must have a premise: The capture that must want to have 12 months on accumulation fund account puts the forehead to spend. If used accumulation fund, so your account can appear the circumstance that is not worth 12 months. So, have the person of the plan that buy a house, still had better not use accumulation fund.
The 4th must not be broken namely for. Otherwise before all everything, meet to running water same. Once break,offer, so the individual's credence can be affected. Encounter any problems, should contact with the bank first, absolutely cannot ignore, be in an unfavorable situation finally otherwise can be him only.
The 5th is waiting namely frontal principal and interest, capital waiting for the forehead and when enjoying pretty good accrual discount, do not shift to an earlier date to still be borrowed. The 6th should note the change of bank interest rate at any time, make the full amount that deduct a money in time, will prevent to appear to cause beak a contract because of buckling an inadequacy with this. The 7th house that mortgages namely is borrowed after all is still be 30 years 20 years, should decide according to true condition of the individual. is not blind follows the masses.
The 8th be in namely after all rooms borrow settle, should remove in time building guaranty. Take this one step, mean " Fang Nu " career ends formally. If fail to be dealt with in time, what will affect this flatlet is normal appear on the market trade.
See this 8 big pitfall, must pay close attention to at any time, be in a bank namely otherwise gratuitious money, believe everybody is willing to earn him work laboriously the money that come, send for nothing " others " .
