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Tag: loan

When the mortgage loan reaches the "bank underwriting" stage, how to choose between the two repayment methods to avoid going into trouble?

When applying for mortgage underwriting, there are two repayment options: "average principal and interest amortization" and "average principal amortization." The average monthly repayment amount of principal and interest is fixed, and the total interest payment is higher; the average monthly principal payment is fixed, and the interest decreases month by month, the total interest payment is small, but the initial monthly payment is higher. Choosing the right one can help reduce your total interest expense.

Mortgage Nightmare "Penguin Evil" Water Level 72-2 Clause

Driven by the New Qing'an Loan Plan, the direct housing market prices soared, and many banks approached the lending warning line of 28%, resulting in stricter lending. This is because Article 72-2 of the Banking Law limits the loan limit to no more than 30% of the total amount of deposits and financial bonds. Now buyers are responsible for higher interest rates and down payments. It is recommended to negotiate with the builder in advance to delay payment or change banks to avoid loan failure.

Home conversion loan, dirt reincarnation technique

Everyone has said that after the five-year grace period is over, if you don't find the next buyer and it really hasn't been sold yet, you can just change the loan to another bank, so that you can continue to pay only interest forever like Taiwan's perpetual motion machine.

Xinqingan advantages, disadvantages & pitfalls

The Xinqingan Home Loan, which has been making a lot of noise in the past year, is called the New Generation Youth Safe Start a Family Loan. It has a super discounted interest rate of 1.775% and a five-year grace period, so you can only pay back the interest within five years, and then pay off the loan later. The principal needs to be repaid.
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