What is the easiest way to borrow money?

At present, there are basically two repayment methods for individual housing loans, one is equal repayment, and the other is equal principal repayment. Take the equal repayment method as an example. With this repayment method, during the whole repayment period, except for adjusting the interest rate, the monthly repayment amount is unchanged. In the initial repayment period, interest accounts for most of the total monthly repayment. With the passage of time, the proportion of interest in the repayment amount will continue to decrease, while with the gradual amortization of principal, the proportion of principal in the repayment amount will continue to increase. The advantage of this repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way.

However, if the principal is repaid in equal amount, the principal will be divided equally throughout the repayment period, and the interest will be calculated on a daily basis according to the outstanding principal balance and repaid together with the principal. For borrowers, the monthly repayment amount is gradually decreasing, but the speed of repayment of principal remains unchanged. It should be said that this repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to return a large amount at the initial stage of repayment to reduce interest expenses.

The property has been mortgaged, but it still needs funds. Can it be mortgaged or refinanced? Some banks such as CCB call it "additional mortgage", and some banks such as ICBC call it individual housing portfolio loan. When applying for individual housing portfolio loan from Shanghai Industrial and Commercial Bank, the sum of the individual housing portfolio loan amount and the outstanding individual housing loan principal shall not exceed 70% of the assessed value of the collateral. That is to say, as long as the borrower's loan balance is less than 70%, he can obtain the housing portfolio loan through re-mortgage, and pay the housing portfolio loan to the borrower's deposit account in cash, which the borrower can use as household expenses such as living, buying furniture and household appliances. Of course, to apply for a personal housing portfolio loan, you must be the borrower of the original ICBC, and

And the credit is not bad. The borrower only needs to provide the "Shanghai Warrant" of the original collateral, the certificate that the authorized person agrees to mortgage and a copy of the loan contract of the original personal loan, and then apply for a loan at the original loan bank.

If the property is transferred when the loan is not paid off, can the loan be transferred with it?

At present, ICBC, CCB and ABC all have this business, commonly known as "lending" and "refinancing". During the loan period, the borrower can transfer his own loan at the same time as the property transfer, that is, transfer all the outstanding loan principal balance to the new purchaser, as long as it can pass the approval of the loan bank. Lending business solves the transaction problem in the tertiary market, facilitates the transfer of the borrower, reduces the cost of property transfer, relieves the pressure, and solves the worries of the borrower when transferring the property.

Can I apply for a loan with my son's mortgage? China Industrial and Commercial Bank recently expanded the scope of accepting individual housing portfolio loans. For individuals with property rights, they can mortgage their property rights to ICBC to obtain loans. The loan amount is 60% of the assessed value of the collateral, and the longest term is 20 years. The interest rate is the fixed interest rate. Personal housing portfolio loan is a new personal way with personal property as collateral, and the loan is issued in cash.