Emotional issues about buying a house and paying off the loan

Do you still care about this When you get married, it doesn't matter who the money is, I can't take out a loan for some reasons I buy a house and write my wife's name directly, and the loan is also in her name I also change it with everyone It's just how to write the contract This still needs to be considered? Isn't the relationship between you real?

I don't think two people should have conflicts about these things together, there's no need.

Could it be that if you don't have the money to buy a house, you won't buy it? What's wrong with the woman's money?

As long as two people can see through a little bit of this, these are not problems, what mother-in-law's family, how to give the money is in their own family, is it not so clear that it is not pensioning? Who should support the old-age pension? How much do you raise?

Will you marry her mother or marry her? The two of you have a good life, you just need to understand each other, you should be filial piety, do what you think is right, a man must be a little assertive, can not always give in, sometimes a little masculine!

Bottom line: Your relationship didn't work out. If you get married, it's miserable.

You don't know what life is and what family is, and getting married to two people is a matter of three families. It seems that you don't understand what it means to get married.

Money is not the problem, the problem is attitude. Do you have an opinion on paying off the mortgage together? Then you really have to think about whether the two of you should be together.

I can't imagine what will happen to you after you get married.

However, when you get married in the future, you will live with your husband, not with your mother-in-law, don't be afraid, believe in yourself, work hard, and endure the calm for a while.

The relationship between mother-in-law and daughter-in-law is very disturbing.

What is the repayment period minus 30 years? The repayment period is your choice, but there are limitations:

First, your age, the maximum loan age minus your current age is equal to your maximum loan term, and the maximum loan age shall not exceed 30 years.

2. The formula for CPF loans is as follows:

The calculation formula is: [total monthly salary of the borrower + monthly contribution of the housing provident fund of the borrower's unit) repayment ability coefficient - total monthly repayment of the borrower's existing loan] loan term (months). Using the spouse quota:

(The total monthly salary of both husband and wife + the monthly contribution of the housing provident fund of the unit where the husband and wife work) Loan repayment ability coefficient - the total monthly repayment of the existing loan of the husband and wife] Loan term (months). Among them, the repayment ability coefficient is 40% Total monthly salary = monthly provident fund contribution (unit contribution ratio + individual contribution ratio).

Here's a calculator for CPF loans:

For other questions, you can check the references, which should be helpful to you. In addition, you will know that you don't know anything about these questions by reading your questions, so it is recommended that you ask all the questions to the representative of the real estate bank before signing the purchase contract.

Loan term = 30 (up to 35) - age of the house (2010 - the age of the house) The provident fund loan can be up to 40 times the balance of the provident fund account (the first house within 5 years of age shall not exceed 80% of the total house payment, and the house outside 5 years shall not exceed 70% of the total house price) (the second house shall not exceed 50% of the total house price) (three or more sets cannot be loaned).

The repayment period of the lender shall not exceed the age of 65 for men and 60 years old for women, I am doing real estate in Shanghai, if you don't understand, you can add.

The main repayment methods of bank loans are:

Equal principal and interest: The so-called equal principal and interest means that the repayment amount is the same every month during the loan term, and this repayment method is suitable for friends with stable income.

Equal principal: The principal of the monthly repayment during the loan term remains unchanged, and the repayment interest is calculated according to the remaining principal of the previous month, so this repayment method is suitable for friends who have more funds on hand at the beginning, and can slowly reduce the burden in the future.

Phased equal principal and interest: This repayment method is to repay the loan interest on a monthly basis during the loan grace period, and after this grace period, the loan will be repaid according to the equal principal and interest repayment method, note that the grace period here is 3 years.

Phased equal principal amount: This kind of loan is repaid monthly during the grace period, and the equal principal repayment method after the grace period is exceeded, with a grace period of 3 years.

Lump sum repayment of principal and interest: This repayment method is that there is no need to repay the loan before, and the principal and interest will be repaid together after the maturity, but it should be understood here that although the principal and interest are repaid together, the interest is also calculated without the repayment period, and it is understood that the period of this one-time repayment of principal and interest is 1 year.

So, in addition to the above five repayment methods, there are two repayment methods that are also useful, then they are equal increment and equal decrease, these two repayment methods have not been heard of before, let me introduce you:

There is no essential difference between these two repayment methods. As the main method of several major banks at present, it is another variant of the equal principal and interest repayment method. It divides the repayment period into details, and in each split unit, the repayment method is equivalent to the equal principal and interest.

The difference is that the amount of repayment per unit of time may increase or decrease by equal amounts.

According to the question, it should be the same amount of principal and interest, and there may be errors in the calculation.

Hello, 1. Most banks require the loan to be repaid one year before early repayment, which should be subject to the provisions of the Loan Contract. 2. The bank has an agreement on the amount of early repayment, and some of the early repayments are integer multiples of 10,000 yuan, or settled at one time, and there is generally no violation of the number of repayments, and those who meet the conditions can apply for multiple times and repay in advance. .

The loan term mainly depends on your repayment ability, generally 20 years, I personally think that a loan of 350,000 yuan for 15-20 years is more cost-effective, and the longer the loan term, the more interest.

The principal and interest repayment method is less stressful, and the amount of money is still the same every month, but the interest is more than the principal.

If your family income is ideal, I recommend that you choose the principal, and it is more cost-effective to repay the loan in advance in the future.

If it is based on 15 years (benchmark interest rate): equal principal and interest: yuan principal: first month: yuan monthly decreasing yuan 20 years (benchmark interest rate): principal and interest: yuan principal: first month:

1.Using the loan calculator on the Internet, the general way of equal principal has the least interest, but the pressure to start repaying is very high. The equal principal and interest are the same every month, and the interest varies with the loan term, the longer the time, the more interest, but the monthly repayment amount is not high, that is, the repayment pressure is small.

Based on your actual situation, you can compare which way to repay the loan without stress and with minimal interest.

Usually the principal and interest are equal, and the down payment is generally required, and it is good to pay according to the minimum requirement of the down payment, such as 20%.

2.The equal principal and interest is calculated at the current interest rate, which already includes the interest for 30 years, and then spreads it evenly over each month of your 30 years, and if your loan is a variable interest rate, the monthly repayment will be a little fluctuating, not completely constant, unless it is a fixed interest rate.

3.Whether early repayment is appropriate depends on whether the profit you can bring to you by using the money elsewhere is greater than the interest. In times of inflation, it is best to repay the loan early.

4.If there is early repayment, the bank will recalculate the monthly payment of the equal principal and interest of the remaining loan, not a simple addition and subtraction, please check the algorithm of equal principal and interest, for example, if you have repaid for 1 year, it is not that you have repaid the principal of 3w, and the actual principal repaid will be less.

5.Early repayment can be repaid frequently, but the bank will charge a handling fee, depending on the local bank charge.

You can ask Jingqian.com, they are still full of professionalism, I hope to help you.

110 square meters: house price 10,000 basement 40,000, total price 10,000, down payment 200,000, loan 10,000 20 years mortgage, monthly: yuan.

85 square meters: house price 10,000 basement 40,000, total price 10,000, down payment 200,000, loan 10,000 20 years mortgage, monthly: yuan.

The first question, you have to deposit money into that account every month as required, you can't save once a few months, the only thing you can choose is to save for a few months when you deposit money for the first time, so that you don't have to save in the next few months (for example: you pay 1000 every month, then you must save 1000 in the first month, you can save 6000, so that you don't have to go to the bank in the next 5 months).

Second, if you don't save it for a long time, you will have a bad record for more than three months, which will affect your credibility in the future, and at the same time, you will receive a lawyer's letter from the bank, urging you to repay the loan.

Thirdly, the provident fund loan is to have the provident fund management center to determine how much money you can bring, not as much as you want to borrow, you can borrow as much as you want, and it is impossible for you to transfer the provident fund you pay every month to the loan repayment account, because the provident fund you pay is managed by the provident fund management center, and the money you pay in the provident fund is far less than the money you have to repay to the bank every month.

Fourth, the provident fund loan is to apply to the provident fund management center first, and after the loan amount is verified, the loan will be processed, and the subsequent procedures will be the same as the bank loan procedures. What you said about using CPF money to make a down payment is not called a CPF loan.

If you don't repay for more than three months, the bank will sue you and you will have a bad record.

As long as you have taken out a housing loan, you can withdraw the provident fund once a year, and the withdrawal method for repaying the loan is as follows: First of all, the employee applies to the unit, and the unit verifies it and issues an application form for the withdrawal of the housing provident fund to the employee, and stamps the seal reserved by the unit in the bank. Employees bring the loan contract, the passbook for monthly loan repayment and the application for withdrawal to the savings office.

Employees can only apply for a CPF loan for the purpose of buying a house. When applying for a mortgage loan, you can withdraw the whole amount of the balance in your CPF account once a year to repay the loan. You are not allowed to withdraw your CPF before applying for a CPF loan.

After applying for a loan, you can withdraw the provident fund in your account once a year to repay the loan. Specific procedures for provident fund loans: The prerequisite is that your employer must pay the provident fund continuously and in full for more than one year (including one year), and the bank will issue a statement to each provident fund contribution unit every year.

You can check with the unit. You can also **inquire about the purchase of a house by a family, as long as both husband and wife (and only husband and wife) pay the provident fund normally, and the loan in the name of either party can be used. Other family members who apply for a CPF loan must be co-owners.

It is better to apply for a CPF loan, and in addition, you have to deposit money into the account every month, and the bank will sue if you do not repay the loan for more than three months.