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    Accumulation fund can be mortgaged secondhand room

    来源: 作者:Stand originally 时间:2008-12-22 Tag: 点击:

    Not classics intermediary whether trade secondhand room?


    Ask: I want to sell the house, nevertheless I do not want to trade through house property intermediary, OK? Entrust intermediary orgnaization to deal with secondhand does the room trade He Hao is in?


    Answer: Can, but need seeks the client that buy a house by oneself, trade to estate next central freedom trades formalities of passageway conduction change the name of owner in a register. But suggest or deal with through the estate broker company of aptitude acts as agent in order to reduce a risk, spare time and trade cost.


    Accumulation fund whether use at secondhand room?


    Ask: I want loan to buy secondhand room, principal and interest waiting for the forehead what distinction does means of two kinds of reimbursement have with capital waiting for the forehead? Additional, is accumulation fund mortgaged secondhand room need not?


    Answer: 1, law of reimbursement waiting for the forehead, namely borrower repays every months by equal amount loan principal and interest, borrow money every months among them accrual borrows money by the rest at the beginning of the month capital is calculated and settle of month by month. Because reimbursement specified number of every months is equal, accordingly, in loan initial stage in reimbursement of every months, after eliminate presses the accrual of lunar settle, returns loan capital is less; And decrease ceaselessly because of loan principal in loan later period, interest of the loan in reimbursement specified amount of every months also decreases ceaselessly, the loan principal that returns every months is more.


    2, law of reimbursement of capital waiting for the forehead, namely borrower presses equal amount every months (loan amount / loan month is counted) repay loan principal, interest of every months of loan borrows money by the rest at the beginning of the month capital is calculated and settle of month by month, both and aggregate the reimbursement specified amount that is every months namely. Because every months of place returns capital to secure, interest of every months of loan as capital remaining sum decrease and month by month is degressive, accordingly, law of reimbursement of capital waiting for the forehead is borrowing money specified number of prime month reimbursement is large, after this month by month is degressive (monthly interest of × of gold of repayment of capital of month of degressive forehead = leads the month) . Means of this kind of reimbursement, comfortable accrete vivid burden will be heavier and heavier (provide for the aged, see a doctor, the child reads etc) or predicting income will be progressively reductive person is used. 3, accumulation fund is mortgaged secondhand the room is possible.


    How to discern intermediary company aptitude?


    Ask: Buy secondhand what kind of intermediary orgnaization does the room look for more reliable? What method can we pass to discern their aptitude?


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