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Accumulation fund loan and commercial loan advantage where
From;    Author:Stand originally
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The person that buy a house is mirrorred recently, "Although accumulation fund loan is lower than commercial loan interest rate,a percent is controlled, but the cost that needs to pay instantly in conduction process considering accumulation fund loan, mortgage loan (bank business borrows money) have clear advantage, consider total outlay integratedly, accumulation fund loan already did not have an advantage but character. " to make clear accumulation fund and commerce borrow money pair of which people that buy a house are more advantageous, our newspaper reporter consulted concerned expert.

"Accumulation fund and commercial loan want to inspect particular case and be decided quite. " Pan Feng expresses deputy director general of department of code of policy of management center of Beijing housing accumulation fund, because accumulation fund loan is to assure,entrust loan, because this deals with what the cost that produces in the process and place use to assure,means has immediate concern, use namely assure differently square

Type its charge is different.

■ should be in akin assure cost of two kinds of loan is compared below means

Loan of housing accumulation fund has 4 kinds to assure means, namely " guaranty adds joint liability to assure " , " guaranty increases all-risks insurance that buy a house " , " impawn assures " and " joint liability assures " . Among them the most commonly used is before two kinds, namely " guaranty adds joint liability to assure " and " guaranty increases all-risks insurance that buy a house " .

At present bank business loan has 3 kinds to assure means: "Guaranty adds joint liability to assure " , " impawn assures " and " joint liability assures " , adopt commonly " guaranty adds joint liability to assure " assure. Does Pan Feng treat peach of Qian of Ban of  of Dong of  of blind  of Ran of Tuo of Zhang of   protruding to swing  Wan Mu to delay  of sneer of rotten υ know well 17 wring fall that scar Cuo? Br>
Undertake. More or less to consider from charge only, when accumulation fund loan and commercial loan are used " guaranty adds joint liability to assure " when assuring, accumulation fund still has the advantage that comparative.

With borrower age 40 years old, house total prices 600 thousand yuan, 10 years period 300 thousand yuan of loan will calculate, principal and interest of loan of housing accumulation fund and fee total borrow money than bank business little 17219. 2 yuan. Accordingly, when two kinds loan is used akin assure when means, accumulation fund loan still has quite advantage, and buying all-risks insurance is actually

One kind when accumulation fund loan compares commercial loan to be able to be used more assures means.

■ accumulation fund is borrowed than business much one assesses fee
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