What is Housing Savings? What does it mean to save?

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At present, housing savings has become an important financing method for people in European countries, especially Germany, to buy, build and decorate houses. Because of its significant role in solving the financing of housing consumption, rationally planning housing consumption, reducing the repayment burden of home buyers, and promoting the steady development of the housing market, it has received great attention from many countries and has become one of the important policy tools to solve the housing problem and provide housing security to low- and middle-income people in many countries. Among them, "Yiju Loan" is a new pre-loan launched by the Sino-German Housing Savings Bank (hereinafter referred to as "Sino-German Bank"), which specifically refers to the loan issued by Sino-German Bank for housing consumption to housing savings customers who have signed the "Housing Savings Contract" and have not yet met the loan allocation conditions.

When the contract meets the conditions of the loan, the customer can apply for a housing savings loan to replace the advance loan, so as to meet the customer's dual consumption needs of immediate and long-term housing.

Savings refers to the economic activity of each person or family to save the money saved in the bank. It is a deposit activity in which urban and rural residents deposit their monetary income that is not used or surplus for the time being into banks or other financial institutions. Also known as savings deposits. Savings deposits are an important asset for credit institutions**.

Savings deposits are an important asset for credit institutions**. The development of savings business can, to a certain extent, promote the adjustment of the proportion and structure of the national economy, gather funds for economic construction, stabilize market prices, regulate currency circulation, guide consumption, and help the masses make arrangements for their lives.

Unlike in China, the common concept of savings in Western economics is that savings is the part of monetary income that is not used for consumption, and if the individual is taken as the unit of examination, the actual savings of the individual (in fact, the nominal quantity divided by the price level, the same below) are expressed by the increase in the individual's real financial assets and the increase in real assets.

It's about saving money for a rainy day. For banks, it is to handle the deposit and withdrawal business of depositors.

Savings deposit refers to the activity in which an individual resident deposits all the renminbi or foreign currency belonging to him into a savings institution, and the savings institution issues a passbook or certificate of deposit as a certificate, and the individual can withdraw the principal and interest of the deposit with the passbook or certificate of deposit, and the savings institution pays the principal and interest of the deposit in accordance with the regulations.

Saving means saving.

Savings is a kind of credit activity in which individual residents conditionally deposit the currency to be used or accumulated in their hands into a savings institution.

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Savings is a kind of monetary credit behavior in which an individual deposits the surplus or temporarily unused currency, that is, money, in a bank, or into a post office that can handle storage business according to regulations. Deposits in banks and credit cooperatives are called bank savings, and deposits in post offices are called postal savings. Savings are basically divided into two forms: regular savings and current savings.

Regular savings is a kind of savings that depositors agree on when depositing and paying at maturity, which is suitable for the storage of living balances and bulk funds, and adapts to the needs of people who have planned access for certain purposes, and is characterized by large amounts, long deposit periods, high interest rates, and relatively stable deposits. There are forms of regular savings, such as lump sum deposits, lump sum deposits, lump sum deposits, and overseas Chinese savings. Current savings is a kind of savings that does not stipulate the deposit period and can be accessed and withdrawn by depositors at any time, which is characterized by being depositable at any time, available at any time, the amount of storage and the number of times of access and withdrawal are not limited, and the deposit and withdrawal procedures are simple and flexible.

Saving is a cause that benefits the country and the people. Development savings can concentrate the currency that is scattered in people's hands and is not used for the time being and use it for various construction undertakings of the country, which also plays an important role in stabilizing the economy and regulating currency circulation. For individuals, participating in savings can not only earn interest, but also help people organize their lives well and cultivate a culture of thrift and thrift.

China implements a policy of encouraging and protecting savings, and adheres to the principles of voluntary deposits, free withdrawals, interest-bearing deposits, and confidentiality for depositors.

In addition to the common commercial housing loans and provident fund loans, there is also a new model for buying a house with a rush loan: a housing savings loan. Many people don't know about the latter, but it has the least interest, so let's find out today.

1. What is a Housing Savings Loan? Housing savings loan is a loan variety of the bank, is a loan model for buyers to obtain bank loans need to save from the bank in advance, it can solve the problem of those who do not participate in the provident fund or the balance of the provident fund, and the amount of commercial loans is insufficient, but they also have a small amount of remaining funds to buy a house. Explain "What is a housing savings loan" Xiao Ming plans to buy a house of 2 million yuan in two years, and needs to sign a contractual savings plan with the bank in advance.

First, he can deposit 1 million yuan in the bank at one time; When the deposit reaches 1 million yuan, that is, 50% of the contract amount, and meets the relevant evaluation conditions, he can apply for a house loan of 1 million yuan from the bank, and at the same time, he can also take out the stored 1 million yuan for his own use.

Its lending rate is a constant interest rate.

2. What is the interest rate of the housing savings loan?

1. Housing savings loan interest rate: Constant interest rate!

2. Commercial housing loan interest rate: Floating Interest Rate!

3. Provident Fund Loan Interest Rate: Floating Interest Rate!

3. Characteristics of Housing Savings Loan:

1. Compared with commercial housing loans and provident fund loans, housing savings loans are more public welfare.

2. Housing savings loans are mainly aimed at the most important people in need of protection, low- and middle-income people and the social sandwich layer, focusing on meeting the medium and long-term housing financial needs of residents.

3. The term of the housing savings loan is short. The maximum loan term of a housing savings loan is 16 years, which is the shortest term compared to a commercial housing loan (maximum loan term of 30 years) and a provident fund loan (maximum loan term of 30 years).

4. Housing savings loans can be combined with commercial mortgages or provident funds. However, this type of loan has its own limitations. For example, in terms of tenure, unlike the other two types of loans, which have a maximum tenure of 30 years, the shortest tenure of a housing savings loan is 2 years and the longest is 16 years.

Another example is that this kind of loan method is to deposit first and then lend, you need to sign a contract in advance, make a deposit, and only apply for a loan after meeting certain conditions. However, as a supplement to commercial mortgages and provident funds, housing savings can be combined with commercial mortgages or provident funds to help avoid interest rate risk. At present, housing savings loans have been piloted in Tianjin and Chongqing for many years, and Sino-German Housing Savings Bank is currently the only professional bank in China that operates housing savings business on a pilot basis.

In addition, housing savings loans are expected to be rolled out nationwide this year.

Household deposits refer to the savings deposits of residents absorbed by banking financial institutions through credit and the deposits at the disposal of household departments absorbed by other means. The deposit is a credit method of the bank and is a resident savings deposit. - Encyclopedia.

Household deposits refer to the savings deposits of domestic individuals in domestic and foreign currencies in banks, including bank current, fixed and on-balance sheet wealth management. In addition to savings deposits, the composition of residents' financial assets also includes bonds, bonds, etc., and such financial assets are not included in the statistics of household deposits. ——**MBA Think Tank Encyclopedia.

Resident deposits, also known as individual deposits, refer to the deposits of individual residents in banks. - Encyclopedia.

Therefore, the range of household deposits is larger than that of residents, which corresponds to the M2 index of the local bridge.

Savings deposit refers to the activity in which an individual resident deposits all the renminbi or foreign currency belonging to him into a savings institution, and the savings institution issues a passbook or certificate of deposit as a certificate, and the individual can withdraw the principal and interest of the deposit with the passbook or certificate of deposit, and the savings institution pays the principal and interest of the deposit in accordance with the regulations.