What characteristic does means of reimbursement of principal and interest waiting for the forehead have? Ahead of schedule how can reimbursement just save accrual?
Answer: The loan principal that means of reimbursement of principal and interest waiting for the forehead repays every months and interest sum are fixed, lunar reimbursement pressure is balanced, but gold of repayment of capital of each months of place and place return interest this disappear the other party is chief -- the accrual that loan reimbursement early days repays much, capital is little, the capital that reimbursement later period repays much, interest is little.
If pay off loan ahead of schedule, one-time the amount that must return is mixed for surplus capital to pay off loan that day did not return interest. Ahead of schedule the more or less follows to pay off loan ahead of schedule time that reimbursement saves accrual is concerned, same drawing borrows money, the time that returns ahead of schedule is earlier, economic interest is more.
Want to shorten how is reimbursement deadline dealt with? A few times can you deal with?
Answer: Want to shorten reimbursement deadline, can dealing with carry while forehead divides reimbursement, apply for. At the appointed time, borrower can determine the term after shortening according to his reimbursement ability, did not deal with the limitation of the frequency. When dealing with, borrower needs to manage contract of this person Id, seal, loan, ready money when agency deals with the management center of city housing accumulation fund of original conduction loan.
When buying a house, both sides of husband and wife borrows money jointly 150 thousand yuan, want to be paid off entirely ahead of schedule now, need what to data provide? Whether to need both sides to be dealt with to agency of management center of housing accumulation fund at the same time?
Answer: Can manage bilateral material by one party (the booklet of registered residence that contain a marriage certificate or can prove spouse concern) deal with pay off loan, duty to expend settle accounts ahead of schedule, get guarantee slip, retreat insurance cost to wait for formalities, but guaranty is cancelled and get property right card (ask by house property management department) need him house-owner holds Id to deal with.
Ahead of schedule all reimbursement place requires data: " contract of loan of mortgage of individual housing accumulation fund " , cash (use housing accumulation fund turns of Zhang reimbursement still need classics unit impression " housing accumulation fund turns Zhang repays borrow application form of principal and interest " reach housing accumulation fund the card, housing accumulation fund such as the password collects data) .
After borrower pays off housing accumulation fund to borrow money, still answer to deal with relevant formalities in time by the following flow: (１ ) settle accounts of acting cost collecting tax. By " ahead of schedule all reimbursement book " (couplet of acting office department) or other loan pays off contract of proof, loan to deal with formalities of settle accounts of acting cost collecting tax to acting branch, retreat more fill less, the duty that get expends formal bill, open settle accounts to prove. Buy secondhand room, show house of housing, auction, blame of building of state-owned land property right, settle accounts of acting cost collecting tax does not need after loan is paid off. (2) original of the guarantee slip that get (assure a contract) , check building droit card, he an authority card, fill in to cancel formalities and entrust acting company to do sth for sb guaranty cancels formalities. By " ahead of schedule all reimbursement advice note " (borrower couplet) or other loan pays off contract of proof, loan, settle accounts to prove window of hall of agency of agency of loan of management center of housing accumulation fund to deal with. (3) cancel insurance (assure) cost -- be aimed at only pay off loan client ahead of schedule. By " ahead of schedule all reimbursement advice note " insurance company couplet (assure company couplet) or other loan pays off proof, guarantee slip carbon (make sure the contract reachs an insurance cost bill) to insurance (assure) the branch is dealt with. (4) the guaranty that get cancels conduction receipt. Borrow money to management center of housing accumulation fund by Id window of representative of agency agency hall is dealt with. (5) card of the property right that get. Cancel conduction receipt, Id to register window of the center that send card to get property right card to estate by guaranty.
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