As we all know, housing loans can be borrowed for up to 30 years. However, in real life, few buyers have borrowed for more than 30 years, because many buyers believe that if the loan term is too long, they often need to pay more interest. How many years is it good to buy second-hand housing loans? The following small series for everyone to answer in detail!
1、 Reduce the risk of abandonment and supply interruption
For housing slaves, no matter how difficult it is, the monthly payment cannot be repaid, because no one can afford the consequences of abandoning the house and cutting off the supply. Therefore, for the same amount of housing loan, the shorter the loan term, the smaller the monthly repayment pressure, and the lower the possibility of natural abandonment of the house and interruption of supply, which is obviously the result that housing slaves are most willing to see.
2、 Ensure high quality of life
After buying a house with a loan, buyers will become forced house slaves. In order to repay the monthly payment on time, house slaves often can't ask for leave, travel and dare not resign. But if you choose a 30-year mortgage, your monthly repayment pressure will undoubtedly be relieved, so you can ensure a high-quality life.
3、 There are more choices in buying a house
According to the benchmark interest rate of a certain period: when the loan amount is 400000 yuan and the loan period is 20 years, the lender's monthly repayment is 2617.78 yuan; When the loan amount is 500000 yuan and the loan period is 30 years, the lender will repay you an equal amount of 2653.63 yuan per month.
From the above results, it can be seen that although the loan amount differs by 100000 yuan, the monthly equal repayment amount is almost the same. Therefore, choosing a 30-year mortgage can give you more choices when buying a house, such as choosing a better lot, or choosing a larger area, etc.
4、 Let the child win at the starting line
Nowadays, in this society, village women can't lose on the needle and thread, women can't lose on the curve, men can't lose on the career line, and children can't lose on the starting line. If the mortgage has been for 30 years, the economy at home will be better. In this way, more money will be spent on children, which will undoubtedly enable children to win on the starting line.
5、 The currency is depreciating
Which is more valuable, 100000 yuan in 10 years or 100000 yuan now? The answer is obvious. It is precisely because the currency is depreciating, so it is more favorable to choose 30 years for house purchase loans. Maybe 100000 yuan of house loans in 10 years is not worth mentioning at all.
6、 Enlarge family wealth
Everyone wants a better family, which requires a certain economic foundation. If the mortgage is over 30 years, you will have more cash at your disposal. In this way, you can try some financial management with high profit income, such as monetary fund. Therefore, to some extent, the mortgage over 30 years can enlarge the family wealth.
7、 Improve risk resistance
As the saying goes, just as the so-called 'a penny beats a hero', I believe everyone has encountered a lack of money in life. I'm afraid everyone was regretting wasting money at that time? However, if you choose a 30-year mortgage when buying a second-hand housing loan, you will have more cash in your hands. In this way, you will virtually improve your risk resistance.