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张先生是一位北漂族,在北京也奋斗了好几年了,现在是一家公司的部门经理,月收入7000元,接近而立之年的他准备在北京购置一套房产,实现安家的梦想,为此,他把空余时间都用在了淘房上,并最终挑中了一套总价70万元的房子。张先生准备支付首付40万元,并希望通过银行贷款30万元,可是当他到银行咨询贷款业务时,却犯了愁,因为可选择的贷款方式很多,而且央行刚刚加息,到底哪一种方式更省钱,这让他举棋不定。相信当前许多消费者都会碰到同张先生一样的问题。面对政策的变动以及房贷市场的多元化,“链家地产”就每种产品到底适合什么样的人群做一个大概的阐述,希望能够给消费者起到一定的置业指导作用。
Mr. Zhang is a North drift family, also struggled in Beijing for several years, and now is a company’s department manager, the monthly income of 7,000 yuan, approaching the eve of the year he is ready to buy a set of real estate in Beijing to achieve a dream home, To this end, he spent his spare time on the Amoy house, and eventually picked a set of 700,000 yuan in total house. Mr. Zhang is ready to pay down payment of 400,000 yuan, and hopes to bank loans 300,000 yuan, but when he went to the bank to consult the loan business, but made a worry, because a lot of alternative loans, and the central bank just hike, which in the end Way more money, which makes him indecisive. I believe many current consumers will encounter the same problem with Mr. Zhang. In the face of the change of policies and the diversification of the mortgage market, Chain House Real Estate provides a general explanation of what kind of people each product is suitable for, and hopes to give consumers guidance on home buyers.