Spend advantage of play interest rate with full loan specified amount
Loan of housing accumulation fund borrows money as policy sex, its most apparent characteristic is low interest rate. From at present 5 years period in light of above loan, the annual interest rate that commerce borrows money is 7.83% , (Favourable interest rate is 6.655%) , and rate of annual interest of loan of housing accumulation fund is 5.22% , both differ 2.61(and poor 1.435) of favourable interest rate percent. To brushstroke 500 thousand yuan 15 years period loan of housing accumulation fund and commercial loan undertake comparative, commercial loan borrows money more than every months to pay about 400 yuan than accumulation fund, 15 many years pay interest makes an appointment with 69640 yuan. Difference of this kind of interest rate still is met farther as the extension of loan time limit pull big. Accordingly, should as far as possible borrow loan of sufficient accumulation fund.
Is loan specified amount spent how be after deciding, about to consider to remand with accumulation fund loan? How can you save accrual again?
Still borrow with accumulation fund ease reimbursement pressure
Speak of reimbursement, mr Wang couple thought of the remaining sum in using accumulation fund account will remand above all loan, but reimbursement means has " law of reimbursement of month by month " and " one-time reimbursement law " two kinds. Should choose way of which kinds of reimbursement, need makes one time first quite: If choose " one-time reimbursement law " , use the remaining sum part in account of its housing accumulation fund every year to remand ahead of schedule its housing borrows money, lunar capture forehead raises hypothesis housing accumulation fund every year 13 ％ , the time settle that can use an in part about its are all housing borrows money, reduce the interest expenses that arranges an in part.
If choose " law of reimbursement of month by month " , mr Wang couple already had accumulation fund remaining sum to increase the housing accumulation fund that capture puts in accumulation fund account, lunar capture forehead raises hypothesis housing accumulation fund every year 13 ％ , so loan early days has is not to need his to give money reimbursement inside period of time, later in very long period of time also need every months to pay a few cash to be used at reimbursement only, after capture puts the forehead to will be more than specified amount of its month reimbursement that month, need not oneself give money again. Although interest expenses did not decrease,use this kind of means, but the reimbursement pressure of borrower was reduced.
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