The other is that in the process of divorce proceedings, lenders have long given up property distribution on the pretext of the other half. In other words, there is no partner's name on the real estate license, so it is possible to choose a single signature. If you write two people's names, you must sign them on the spot, and someone will record them, otherwise you can't apply for a loan.
Another situation is that some private lending institutions can acquiesce in this kind of single signing. And this kind of loan company can mortgage the house in some way as long as it signs. This kind of thing is not safe, so it is not recommended to apply for a loan. Naturally, if you want to sign a loan company, your qualification certificate must meet the requirements, your personal credit is good, and your income is stable.
Is saving for three years the same as saving for five years? 1. If the purpose is to buy a house, mortgage loan is more cost-effective.
Because lenders can also apply for provident fund loans, the interest rate of bank loans is extremely low, and the annualized interest rate of five years or more is 3.25%, which is lower than the market interest rate of mortgage loans, so mortgage loans are more cost-effective. Moreover, mortgage loan is originally used to buy a house, and it is not as instant and simple as mortgage loan in terms of loan use confirmation and application procedures.
2. From the perspective of loan life, mortgage loan and mortgage loan have their own cost-effective points.
Generally, the longest mortgage loan for buying a house can reach 30 years, while the loan period of mortgage loan generally does not exceed 10 years. Compared with the term of 10 year, the capital pressure of monthly amortization is much lower, which is also a cost-effective point of mortgage. However, the total loan interest generated by repaying the loan for 30 years is much more than that of 10, which is also a cost-effective point of mortgage loan. However, the mortgage loan for buying a house can only be divided into 10 years, and the loan period is more flexible. Therefore, it is more cost-effective to buy a house mortgage loan or a mortgage loan, and it is more cost-effective to choose the one that suits you.
Is saving for three years the same as saving for five years? Some banks have the same interest rate for three-year deposits and five-year deposits, while others have different interest rates. In fact, it is necessary to analyze the specific situation. You can see the fixed interest rate of the bank when you make a general deposit, and this mainly depends on which bank. If the interest rates of three-year fixed deposit and five-year fixed deposit are the same, then three-year fixed deposit is preferred, because after the expiration of three years, you can take out a two-year fixed deposit and earn more loan interest, which is very cost-effective.
What's the difference between a three-year term and a five-year term? The key difference between three-year and five-year time deposits lies in the different maturities. Although some banks have high interest rates on five-year time deposits, when making deposits, don't blindly look at which time deposits are higher. It depends on your own preferences. It's better to keep the spare money as long as possible. For example, a surplus money that can't be used up for three years, with a three-year deposit period, does not have to be deposited for five years, even if the bank deposit interest rate for five years is high. If you deposit in the third year, you will withdraw in advance, not according to the five-year deposit interest, but according to the current interest.