{"id":8878,"date":"2024-07-21T15:28:08","date_gmt":"2024-07-21T07:28:08","guid":{"rendered":"http:\/\/doolounge.com\/home-loan\/"},"modified":"2024-08-02T09:36:08","modified_gmt":"2024-08-02T01:36:08","slug":"home-loan","status":"publish","type":"post","link":"https:\/\/doolounge.com\/en\/home-loan\/","title":{"rendered":"Xinqingan advantages, disadvantages &amp; pitfalls"},"content":{"rendered":"<p class=\"wp-block-paragraph\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It sounds really good. The government is really thinking about young people with low incomes. But why is it being interpreted as an accomplice to inflating housing prices? So far, the market response has really not reduced it at all. The final effect on house prices.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"http:\/\/doolounge.com\/wp-content\/uploads\/2024\/07\/fb_img_17215476904358291770725725787096-576x1024.jpg\" alt=\"\" class=\"wp-image-8894\" srcset=\"https:\/\/doolounge.com\/wp-content\/uploads\/2024\/07\/fb_img_17215476904358291770725725787096-576x1024.jpg 576w, https:\/\/doolounge.com\/wp-content\/uploads\/2024\/07\/fb_img_17215476904358291770725725787096-169x300.jpg 169w, https:\/\/doolounge.com\/wp-content\/uploads\/2024\/07\/fb_img_17215476904358291770725725787096-768x1365.jpg 768w, https:\/\/doolounge.com\/wp-content\/uploads\/2024\/07\/fb_img_17215476904358291770725725787096-864x1536.jpg 864w, https:\/\/doolounge.com\/wp-content\/uploads\/2024\/07\/fb_img_17215476904358291770725725787096-7x12.jpg 7w, https:\/\/doolounge.com\/wp-content\/uploads\/2024\/07\/fb_img_17215476904358291770725725787096.jpg 1080w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are too many explanations out there that are too detailed and professional. Generally, people who don\u2019t understand house buying and selling are probably confused and don\u2019t understand. Why are they obviously well-intentioned but being described in this way by celebrities in the financial media? Let me explain a little bit. Let me explain it to you in a simpler way and try to convert the data into prices. After all, not everyone can understand the data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">First of all, the benefits of Xinqingan are of course very attractive, including extremely low preferential interest rates, a five-year grace period, and a principal repayment of up to 40 years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But if you look at it carefully, the discount of 1.775% is only for the first three years. From the fourth year, although there are still two years of only interest payment, it has been adjusted to 2.275%, which is 0.09% more than the lowest point of general mortgage loans of 2.185%, but That 2.275% is already considered as a super good interest rate provided by the bank. Not every bank can give such an excellent interest rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2.185% is a floating interest rate of 1.72% given by the current government, plus public stocks can give the best discount of 0.465 %, resulting in the current floor price of 2.185%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It sounds really good, but if you pay off a large amount in a short period of time, Xinqingan will definitely be the most profitable! For example, if all is paid off within ten years, the total interest paid will be 2.185-1.775=0.41% less than the previous three years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Taking the maximum preferential loan of RMB 10 million, the savings are RMB 41,000 a year, and the average savings over three years is RMB 123,000 compared to a normal mortgage loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But only the 1.775% that was heavily subsidized in the first few years was so good. It seems to have saved some money, but the 0.09% that was more subsidized will follow you for the next 25-35 years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In order to avoid the high house tax, everyone decided to sell the house in the fifth year, but the additional two years for 0.09% are really nothing, and then it takes ten years to pay off the sale. Make huge profits!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But if you don\u2019t plan to sell it, and you don\u2019t want to pay it off in the short term, and you extend the regular fixed payment to more than 30 years, it will be much more expensive than a normal mortgage! Not to mention extending it to 40 years, of course the interest payments will be much more expensive than originally!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then let\u2019s talk about the trap. New Qing\u2019an loan interest subsidy. The loan interest rate is subsidized by the government by 1 yard (0.25%). In addition, the original public-share bank reduced the rate by half (0.125%). The interest subsidy is increased to 1.5 yards.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Based on the one-stage flexible interest rate, the base interest rate is fixed + 0.555% flexible interest rate, and the actual burdened interest rate after subsidies is 1.775%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This reduces the mortgage loan in the first three years to 1.775%, and is not affected by interest rate increases and maintains the current interest rate. However, you have to start using Xinqingan on August 1, 2023, to get the subsidy for three years. Otherwise, New Qing&#039;an loans used later will only be subsidized until July 31, 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This loan is not limited to first-time home buyers. As long as you meet the loan qualifications, you can apply for this loan regardless of whether you are buying a home for the first time or if you have previously owned a home but have sold or transferred it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Public banks currently provide two types of loans. Banks generally offer first-time home purchase plans. The current floor price interest rate is 2.185%, the maximum term is 30 years, the grace period is 3 years, and the contract is 2 years. It means that the transaction can only be done after two years of binding!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The interest rate of the New Qing&#039;an Plan before 2026\/7\/31 is 1.775%, and the unsubsidized interest rate after that is 2.275%, and no binding is required.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We use the current Xinqing Anman Loan, which has a maximum loan of 10 million, to compare. The loan term is the same as 30 years, and there is no grace period. Only the principal and interest are averagely amortized to try to calculate the difference between the two plans:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">General first home purchase<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The monthly repayment amount is 37,894, the total repayment amount after 30 years is 13,641,805, and the total payment interest is 3,641,805.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Xinqing&#039;an<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because there are only two years of preferential interest rates left, the monthly repayment amount during the first two years is 35,847, the monthly repayment amount after the discount is 38,198, the total repayment amount after 30 years is 13,694,914, and the total payment interest The portion is 3,694,914.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The total interest payment difference between the two plans is 53,109. It seems that the total interest payment for first-time purchases is generally lower.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So if you adopt the New Qingan Plan, although you can pay 2,047 less per month in the first two years, the monthly repayment after two years will increase by 304, and the overall total interest paid will be 53,109 more.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Usually when everyone first sees 1.775%, they intuitively think that Xinqingan looks more cost-effective. However, once the subsidy program is over, the interest rate offered by the bank is actually higher than the general mortgage interest rate, and the total payment amount becomes higher.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The half-digit discount of 0.125% given by public banks will be asked for back later, so it seems less cost-effective for those who plan to pay off their mortgages honestly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But the attractive part of Xinqing&#039;an is actually that you can directly apply for up to 40 years. Calculated based on 40 years, the monthly repayment amount in the first two years is 29,112, and after two years it is 31,632. Compared with the original 30-year repayment, The difference is 6,763 and 6,566 each month respectively, but you have to pay the loan for ten more years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to lower the monthly repayment amount, it seems more advantageous to extend the 40-year extension with Xinqingan. Even if the loan interest rate is higher, it will be more suitable if you want to refinance, repay early, or lower the monthly repayment amount. Use Xinqingan mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"hUjEigvkyn\"><a href=\"https:\/\/doolounge.com\/en\/refinance\/\">Home conversion loan, dirt reincarnation technique<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"House conversion loan, dirty soil reincarnation technique - Chen Fa. Miscellaneous Studies\" src=\"http:\/\/doolounge.com\/refinance\/embed\/#?secret=nW6mVsIcSm#?secret=hUjEigvkyn\" data-secret=\"hUjEigvkyn\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, Xinqingan also specifically stipulates that it is not allowed to rent. When you underwrite the loan, you will be asked to sign that it is purely for self-occupation. If the lease is released and your tenant applies for a rental subsidy, you will be broke immediately!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just like the real estate agent will tell you about the situation of buying a 4+5 or 5+6 house, which means that the fourth floor of the old house plus the usable attic, the fifth floor can be used for the sixth floor, etc., one floor is occupied and the other is rented out, and the rent is paid Deducting the mortgage loan sounds wonderful, but if you apply for Xinqingan, you will cry to death as soon as you are caught.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As long as the default is detected, there will be a compensation clause. Regardless of whether you loan for 30 or 40 years, it will be immediately adjusted to a maximum of 20 years. Then the preferential interest will be given back and adjusted to more than 2.275% of the general interest. According to the current highest adjustment, To 2.5%, what kind of interest rate is adjusted depends on whether the bank has a good relationship with you and evaluates your financial resources!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Generally, people are recovered like this. To give a rough estimate, if it falls around 2 million yuan, they will have to pay it out in one go. If they cannot raise funds in the short term, they will be beheaded, and the house they bought will be immediately forfeited. I was happy to buy the house and thought I had made a profit. , and as a result, he was saddled with a huge debt for no apparent reason.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are too many other traps. If you really don\u2019t use it for your own home, but may use it for business and transfer various incomes, I really don\u2019t recommend buying it with Xinqingan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"8c3MbSVZbN\"><a href=\"https:\/\/doolounge.com\/en\/self-housing\/\">Xinqingan is for &quot;self-occupation&quot;! Is it okay to run your own business?<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"Xinqingan is for &quot;self-occupation&quot;! Is it okay to run your own business? \u2014 Chen Fa. Miscellaneous Studies\" src=\"http:\/\/doolounge.com\/self-housing\/embed\/#?secret=cEuwzVM2Wv#?secret=8c3MbSVZbN\" data-secret=\"8c3MbSVZbN\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead, find a bank that provides general loans. If you have a stable job and a good income, can provide sufficient proof of financial resources, and the interest rate is not too bad, then spend about a year to increase your bank&#039;s cash flow in and out. Beautiful, start looking at houses and negotiating terms. This will be much better than forcing yourself to fall into it and accidentally stepping on a dangerous trap that you don\u2019t know where.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"nfgg2OqL3O\"><a href=\"https:\/\/doolounge.com\/en\/credit-checking\/\">What details should you pay attention to when applying for a housing loan?<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"What details should you pay attention to when applying for a housing loan? \u2014 Chen Fa. Miscellaneous Studies\" src=\"http:\/\/doolounge.com\/credit-checking\/embed\/#?secret=vc26hDj1uT#?secret=nfgg2OqL3O\" data-secret=\"nfgg2OqL3O\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As for why it is said that Xinqingan is speculating in real estate, it is because too many investors buy some dumb accounts, saying that they will give them tens of thousands of yuan, etc., and ask them to hand over dual documents to help with the operation. Since they are all first-time purchases, the interest rate is really It was damn cheap, and with the mentality that it could be paid off or resold in five years and make a huge fortune immediately, the real estate market was directly heated up to the point where it broke through the ceiling.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are also some houses that have not been appraised properly, and the builders have also released short-term interest-free loans of 10% to 1.50%, making pre-sale houses inexplicably extremely popular. For example, you can get a loan of 95% for a house worth 10 million yuan, which means you only need to take out 50% of the loan. You can buy a house for RMB 10,000, and then the unscrupulous real estate agent will help you get a 0.5% credit, which will directly turn into a full loan, allowing you to buy a house with no down payment at all, so many young people who are in a hurry, just like this Being washed into the housing market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although everyone says that if you haven\u2019t sold the property after five years, it will be good to refinance, but how do you know what will happen to you in five years? If the housing market really collapses, the interest rate for refinancing may be higher than your principal income. It&#039;s much higher, so you won&#039;t be kicked out?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The real estate market is a type of real estate investment. The original intention is for you to have a house to live in, but if you want to use it as valuable property for capital increase, you really need to buy a lot!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of asking you to buy an inexplicable location just to get a super bargain, you said you can resell it in five years? Who are you selling to? It\u2019s really a big deal if you don\u2019t sell at a loss, right? ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So there are not a lot of people saying that buying real estate is not as good as buying stocks. At least you can increase your capital steadily, and you don\u2019t have to pay a lot of taxes every year. It\u2019s more cost-effective no matter how you convert it, and the return rate must be higher than those who buy in the desert. The houses in the countryside are too tall.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Then after the interest is repaid, there is still the principal. Many people think that the principal is just that and the price is not high, but don\u2019t forget that it is the principal plus interest! The two add up, so please find out first whether you can really afford it before buying it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Life should be about making yourself comfortable, not about forcing yourself to death and comforting yourself by saying that you will be more relaxed and grateful to yourself in the future. This may have been true in the past when the price had not reached the ceiling and was still stable, but now it is It\u2019s really hard to say.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The five-year grace period and the forty-year repayment can actually be done by banks that provide general loans. For example, the Heku I asked about can help. However, they can only sign a contract for three years at the beginning, and then apply for it year by year after expiration. , allowing you to extend your credit to five years.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you really don\u2019t know whether you will live there forever and want to pay off the loan in the long term, I would rather recommend using a general loan. At least you won\u2019t be tied up by the terms and conditions, and there are many more banks you can negotiate with. It\u2019s no longer just the eight designated public stocks that can negotiate terms!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you see this and want to try to enter the real estate market, I can help you select some more high-quality house types and suitable prices. Then I will write about how to avoid it. It is basically a house called a haunted house.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The haunted house I am referring to here is not really haunted, but the super unreasonable price and condition of the house. If it is too much higher than the market price after the evaluation, it will be classified as a haunted house by me!<\/p>","protected":false},"excerpt":{"rendered":"<p>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 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