After applying for a new Qing'an loan to buy a house, I regretted it due to the remote location and unstable job. I considered selling it but was worried about the real estate tax. In fact, the real estate tax is only levied on profits from price differences. If there is no profit, no tax will be levied. If the purpose is to relieve pressure, a flat transfer or a small compensation settlement is a more conservative option. It is recommended to consult the real estate agent to find a suitable exit method.
Many parents hope to accumulate wealth for their children. Traditional deposits have low interest rates and weak resistance to inflation, so regular and fixed-amount investments in the stock market become a simple and effective option. By investing a small amount of money every month, you can balance market fluctuations and accumulate assets over the long term. At the same time, it can also be combined with a policy with cash value to provide protection and strengthen the financial foundation of the child's future.
When buying a house, you can’t just look at the total price. The decoration and renovation costs are the real hidden costs. Whether it is a new house or a used house, subsequent decoration must be paid for by the buyer and is not included in the loan, which often makes people realize that their budget has exceeded the limit after buying the house. You should estimate the decoration costs when viewing a house and include them in the total cost comparison, so that you can choose an ideal house that truly meets your budget, has a good location and is safe to live in.
Investment and insurance are important tools for financial management, but maintaining sufficient working capital (about 1/3 to 1/4 of income) is the key to ensuring financial security. Working capital funds should cover basic living expenses for 6 to 12 months to deal with emergencies or income interruptions, and be deposited in highly liquid and secure channels, such as living deposits and monetary funds. In terms of capital allocation, you can follow the rule of three: a balanced allocation of investment, insurance and working capital, and regular review and adjustment to ensure that life stability and asset growth are synchronized.
As inflationary pressures and mortgage burdens increase, the number of people with dual mortgages is increasing year by year. Improving your credit score can reduce the stress of future loans, and the key is good credit card utilization and repayment habits. This article provides three practical methods: increasing the credit card limit, keeping old credit cards to extend the credit age, and cautiously applying for new credit cards to help readers reduce credit card utilization and ultimately achieve better loan conditions.
This year should be felt by all of Taiwan. Since the government promulgated the new Qing’an housing loan policy last year, the housing market has been rising like a rabbit, and a lot of people are watching TV and following various celebrities. While scolding Xinqing'an for causing housing prices to rise indiscriminately, have you ever tried to look at this matter from another angle?
From signing the contract to getting the certificate of ownership, the process took less than a month to complete. The main reason was that I kept chasing, and I also took the initiative to interact with the bank and say hello. I was skillful in seizing the time and talking in a homely manner. It was a good person. Ways to bring each other closer. When friends see each other and they like each other, they will help you a little bit. In the future, some auction house may tell you first that there is a referral fee for referrals and transactions!
The so-called "linkage" records credit transactions between individuals and financial institutions. The total score can be up to 800 points. Regarding the retention period of various records, please refer to the regulations of the Financial Supervisory Commission for details. It is mainly compiled and collected by the Joint Financial Credit Reference Center. Through this information, a national credit database is built to ensure that people's credit transactions and the domestic financial system can be sound and stable.
Recently, many people have privately messaged me because 34 banks were invited to drink coffee by the government a few days ago, causing everyone to panic and ask what should I do if they are really stuck in getting a loan for buying a house? After learning about it in detail, I found out that many of them are not really unavailable, but the loans are ugly!
Policy borrowing means using the policy you purchased to borrow money from your insurance company. When the policy you purchased begins to have a "policy value reserve (referred to as premium)" as the years increase, you can apply for a policy loan from the insurance company based on your existing premium within the total policy price. Common ones include long-term life insurance, annuity insurance, etc.
