Contract with smart miner
Publish: 2021-04-24 20:36:22
1. The sales office informs you to sign a "housing provident fund loan contract" by the provident fund management center. The loan contract is standard and can not be changed generally. You can pay attention to the following problems:
1. The amount, term and interest rate of the loan should be determined, especially the interest rate. The current interest rate of provident fund loan is 4.20% for less than five years and 4.70% for more than five years, The first suite doesn't float up, and the second suite should float up 10% - 20%. If it is a portfolio loan, the current mortgage interest rate except ABC, other banks have canceled the discount
2. Ways of repayment. There are two ways to repay the house purchase loan. One is the equal principal and interest method (the monthly payment is the same, the principal returned in the first half of the period is less, the interest is more, and the total interest expense is more than the equal principal method). The other is the equal principal method (the repayment amount in the first month is more, and the later is less, which is characterized by the equal principal returned every month, the interest is less, and the total interest expense is less than the equal principal and interest method). You can choose when signing a contract
3. Look at the rate of late payment fine (penalty) for overe repayment, which is generally about 3 / 10000 of the overe amount per day. This rate can't be changed, but you need to know
4. Whether there are terms about prepayment in the contract should generally include: for example, partial prepayment, one-time repayment, whether there is a fee to be charged, and how much is the fee. It is generally stipulated that there will be no charge for prepayment after one year of repayment, and charge for less than one year
5. If there is a "provident fund housing loan guarantee contract", pay attention to whether part of the guarantee fee after prepayment can be refunded
I hope it will help you.
1. The amount, term and interest rate of the loan should be determined, especially the interest rate. The current interest rate of provident fund loan is 4.20% for less than five years and 4.70% for more than five years, The first suite doesn't float up, and the second suite should float up 10% - 20%. If it is a portfolio loan, the current mortgage interest rate except ABC, other banks have canceled the discount
2. Ways of repayment. There are two ways to repay the house purchase loan. One is the equal principal and interest method (the monthly payment is the same, the principal returned in the first half of the period is less, the interest is more, and the total interest expense is more than the equal principal method). The other is the equal principal method (the repayment amount in the first month is more, and the later is less, which is characterized by the equal principal returned every month, the interest is less, and the total interest expense is less than the equal principal and interest method). You can choose when signing a contract
3. Look at the rate of late payment fine (penalty) for overe repayment, which is generally about 3 / 10000 of the overe amount per day. This rate can't be changed, but you need to know
4. Whether there are terms about prepayment in the contract should generally include: for example, partial prepayment, one-time repayment, whether there is a fee to be charged, and how much is the fee. It is generally stipulated that there will be no charge for prepayment after one year of repayment, and charge for less than one year
5. If there is a "provident fund housing loan guarantee contract", pay attention to whether part of the guarantee fee after prepayment can be refunded
I hope it will help you.
2. The bank informs you that house purchase loan is one of the more common ways of house purchase. When handling mortgage loan, not only the buyers need to provide relevant information and audit conditions, but also they need to go to the lending bank for face-to-face signature, which is mainly to handle relevant loan proceres
1. Bank loans. If users apply for bank loan business, they will get the specific audit results in about 3-5 days< 2. Bank credit card. If the user applies for the bank credit card business, the specific audit results can be known on the day of face-to-face signing
at that time, the bank will send the specific audit results to the user's mobile phone through SMS and other ways, and the user can also query through the bank's customer service hotline, official website of business outlets and other ways. The specific time required for audit shall be subject to the actual time required
What are the requirements of bank flow for house purchase loan
1. In fact, the purpose of the bank to provide personal bank account flow is to examine whether you have stable income and the ability to repay the bank's debts. Generally speaking, for the working class, the bank will mainly look at your salary flow, monthly account balance and average daily account balance
with this information, we can calculate your disposable amount after decting the basic living expenses and other necessary expenses in one month according to the bank's own model, and check whether you can repay the debt on time. Anyway, this is what I look like when I examine the loan
2. Hello, different banks have different requirements on the flow of real estate loans. Generally speaking, continuous monthly, stable income, high income bank flow is the most ideal. Therefore, it's better to reflect a relatively stable entry at a fixed time every month in the bank flow. Of course, the bank flow that can not meet this requirement is not necessarily unable to handle the housing loan. If the income reflected in a single bank card is low, the borrower can provide the running water of multiple bank cards in his own name
3. In addition, try not to take all the funds from the card at a fixed time every month. In this way, the bank will think that you already have a fixed large amount of expenditure, which will affect the evaluation of your repayment ability. The monthly income of households reflected in the bank flow should be more than twice of the monthly supply of housing loans
What's the meaning of face-to-face signature of the buying bank
1. The so-called bank face-to-face signature refers to the process that the borrower (together with the co payer or guarantor) carries the original legal and valid certificates, handkerchief and the expenses required for the loan to pay the expenses required for the loan at the lending bank and conct interview and signature
2. For most developers, they usually sign the contract after paying the down payment, and then sign the preliminary information with the bank, and then complete the information. When the developer's contract comes out and the invoice comes out, the bank will ask for an interview.
1. Bank loans. If users apply for bank loan business, they will get the specific audit results in about 3-5 days< 2. Bank credit card. If the user applies for the bank credit card business, the specific audit results can be known on the day of face-to-face signing
at that time, the bank will send the specific audit results to the user's mobile phone through SMS and other ways, and the user can also query through the bank's customer service hotline, official website of business outlets and other ways. The specific time required for audit shall be subject to the actual time required
What are the requirements of bank flow for house purchase loan
1. In fact, the purpose of the bank to provide personal bank account flow is to examine whether you have stable income and the ability to repay the bank's debts. Generally speaking, for the working class, the bank will mainly look at your salary flow, monthly account balance and average daily account balance
with this information, we can calculate your disposable amount after decting the basic living expenses and other necessary expenses in one month according to the bank's own model, and check whether you can repay the debt on time. Anyway, this is what I look like when I examine the loan
2. Hello, different banks have different requirements on the flow of real estate loans. Generally speaking, continuous monthly, stable income, high income bank flow is the most ideal. Therefore, it's better to reflect a relatively stable entry at a fixed time every month in the bank flow. Of course, the bank flow that can not meet this requirement is not necessarily unable to handle the housing loan. If the income reflected in a single bank card is low, the borrower can provide the running water of multiple bank cards in his own name
3. In addition, try not to take all the funds from the card at a fixed time every month. In this way, the bank will think that you already have a fixed large amount of expenditure, which will affect the evaluation of your repayment ability. The monthly income of households reflected in the bank flow should be more than twice of the monthly supply of housing loans
What's the meaning of face-to-face signature of the buying bank
1. The so-called bank face-to-face signature refers to the process that the borrower (together with the co payer or guarantor) carries the original legal and valid certificates, handkerchief and the expenses required for the loan to pay the expenses required for the loan at the lending bank and conct interview and signature
2. For most developers, they usually sign the contract after paying the down payment, and then sign the preliminary information with the bank, and then complete the information. When the developer's contract comes out and the invoice comes out, the bank will ask for an interview.
3. Cyclebit token was launched in the first exchange of blockchain payment platform, and cyclebit supports more than 20 kinds of cryptocurrencies.. I'm glad my answer can help you
4. The current price is about 2000 yuan, reaching more than 8000 yuan when it was the highest in history. The price of bitcoin is floating and has changed a lot. You can pay attention to several domestic bitcoin trading platforms, such as bitcoin China, okcoin, biter, bitera and so on.
5. EAC is the completion estimate, which is the estimated cost of completion
etc refers to the amount of money that needs to be estimated before the completion of the project, that is, how much will it cost from now (usually at a certain time point in the process of the project) to the completion of the project
etc is a part of EAC.
etc refers to the amount of money that needs to be estimated before the completion of the project, that is, how much will it cost from now (usually at a certain time point in the process of the project) to the completion of the project
etc is a part of EAC.
6. The purpose of vigorously implementing etc now is to rece the number of charging staff. It also saves time in case of traffic jams.
7. Can $60.00 is 60 Canadian dollars
many countries use the symbol dollar and "$", except for the United States, other countries need to add the country name before dollar or "$". Generally speaking, the United States is tacit, but if it is said to be American dollar, there is no problem. For example:
Australian dollar abbreviation aud
Canadian dollar abbreviation CAD
see http://dict.you.com/w/%E6%BE%B3%E5%85%83%E5%8A%A0%E5%85%83/#q %3D%25E6%25BE%25B3%25E5%2585%2583%25E5%258A%25A0%25E5%2585%2583
many countries use the symbol dollar and "$", except for the United States, other countries need to add the country name before dollar or "$". Generally speaking, the United States is tacit, but if it is said to be American dollar, there is no problem. For example:
Australian dollar abbreviation aud
Canadian dollar abbreviation CAD
see http://dict.you.com/w/%E6%BE%B3%E5%85%83%E5%8A%A0%E5%85%83/#q %3D%25E6%25BE%25B3%25E5%2585%2583%25E5%258A%25A0%25E5%2585%2583
8. It's true, but the cost of the purifier is estimated to be less than 300. There is no free lunch in the world
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