The mortgage is replaced with a interest in the province of business loan?Risk!

Author:Jiangsu News Time:2022.09.28

At present, the minimum interest rate of the first house performed by most banks in Nanjing is 4.1%, and the interest rates of many home buyers were generally about 5.8%last year, with a maximum of 6%. At present, because the interest rate of loan loans is generally lower than the mortgage, many loan agencies have begun to sell this business to buyers. Is the mortgage transfer operation loan reliable?

Management loan refers to loans for loan funds for "business activities". It is a credit product launched by banks for SMEs or individual industrial and commercial households. It encourages the inflow of funds into the entity. The interest rate is about 3.7%.

Real estate commentator Hu Juanjuan said that there is a big difference between business loans and mortgages. First of all, the number of years is not as good as the housing loan chief. It is advised to say that if you have a high interest rate, you can choose operating loans, because the interest rate of operating loans is relatively low now. "

For example, the original mortgage interest rate was converted from 5.7%to 3.7%of business loans. From the perspective of the book figures, it does save a lot. First of all, the pressure of repayment of the monthly repayment is reduced, and the total interest expenditure has also decreased significantly. However, risks are hidden everywhere.

"First of all, the time limit for operating loans is short, and it is impossible to have a credit for 20 years and 30 years. In addition, it may involve turning around each year. If you can return the full amount when you turn around There must be a source of funds that can return all the mortgages. When you turn your head, you will incur a certain cost. Financial institutions will collect 1-1.5 or even two points of service fees. This means that this fee is incurred every year, and this money will be found in the interest rate that may not be cost -effective. "

It is also worth noting that these are the categories of "funds illegally entering the property market" that are prohibited. Once they are tracked after loan, they will not only be recovered, but also face the risk of dishonesty. If an empty shell company applys for operating loans in the middle, it may be suspected of fraud loan, and bank staff will increase internal risks if they are not prudent.