In this era, almost everyone has at least one credit card, which can solve the expenses of ordinary consumption and really solve the problem that our salary is less than one month. But for mortgage repayment, this is a bit mysterious. Mortgage is a loan, and it should be unreasonable to repay the loan. So, how can a credit card repay the mortgage backwards?
In this era, almost everyone has at least one credit card, which can solve the expenses of ordinary consumption and really solve the problem that our salary is less than one month. But for mortgage repayment, this is a bit mysterious. Mortgage is a loan, and it should be unreasonable to repay the loan. So, how can a credit card repay the mortgage backwards? What should I pay attention to when repaying my mortgage?
How to pay the mortgage backwards with a credit card?
1. Credit card cannot be used as repayment account of mortgage loan. In other words, if a credit card cannot be repaid through consumption, it cannot enjoy an interest-free period of up to 50 days.
2, so, the so-called mortgage repayment by credit card is actually to withdraw cash from the credit card to repay the mortgage. Once the credit card uses the withdrawal service, it is the beginning of the "trap" of the cardholder's interests: banks charge 0.5%- 1% for domestic withdrawals. In addition to the handling fee, the cardholder has to pay interest, which is calculated according to the daily interest rate of 5% and the annual interest rate of 18%. It is equivalent to borrowing another loan in addition to the mortgage.
3. Whether it is illegal to misappropriate credit cards to repay mortgages, some insiders said that this can only be said to be a loophole in the law. However, the person also said that according to the relevant provisions of the law, a malicious overdraft of more than 5,000 yuan can be sentenced to three years in prison.
What should I pay attention to when repaying my mortgage?
1. To adjust the repayment amount, you need to contact the bank yourself. Since it is the amount agreed between the purchaser and the bank, the monthly supply will not decrease with the central bank's interest rate cut. Therefore, it is necessary for buyers to agree with the loan bank again to adjust the monthly payment at the new interest rate from the repayment date of 20 16, otherwise the bank will still calculate the original monthly payment and will not be able to enjoy the actual benefits brought by the interest rate cut in a short time.
Commercial loans with equal principal and interest are suitable for buyers with stable income. In most cases, the mortgage will be equal principal and interest, because for those who have little knowledge about buying a house or even lending, all they need to know is how much they have to pay back for a fixed month. Equal principal and interest means that the money you pay back every month is fixed. Although the overall interest rate will increase, it is convenient for borrowers to arrange income and expenditure, and it also saves a lot of trouble.
2. 1 the monthly payment of equal principal and interest may increase, and 20 16 1 the monthly payment of commercial loans will change differently due to different loan banks and repayment methods. Under the repayment method of equal principal and interest, the monthly payment of most banks will increase slightly to 1. Specifically, although the interest is decreasing, the adjusted principal has increased. This situation will change in February, that is, the monthly supply will decrease in February, and the annual monthly supply will be subject to February.
General funds, suitable for property buyers with relatively abundant funds at hand. Because the mortgaged principal in the average capital is the same from beginning to end, but the interest is less changeable, the monthly repayment amount will decrease month by month with the passage of time. For those who just need to buy a house for urgent renovation, the initial repayment pressure is too great to choose. But if you have abundant funds, it is more cost-effective to choose the average capital with less interest.
3. The average capital is not recommended to repay in advance. Under the repayment method of average capital, the borrower's interest this month decreased slightly, and the overall monthly payment was lower than last year. Specific to different banks, the monthly payment of 1 month will also decrease and increase differently. Because the repayment is made according to the average capital method, the interest is mainly paid by the buyer first. At present, the central bank is in the channel of interest rate reduction, and the interest rate of bank loans has dropped, which makes the interest returned at this time relatively reduced, so the buyer does not have to rush to repay in advance in June 20 16.
The above is what I mainly tell you about paying the mortgage with the credit card backwards, and what to pay attention to when paying the mortgage. Now we know that everyone's life pressure is relatively high, and ordinary young people are carrying mortgages. But if we use the credit card to pay the mortgage backwards, it will only increase our pressure, so we should think twice before you do.
How to use three credit cards to pay the monthly mortgage of the house?
The recovery method of three credit cards is as follows:
1. The repayment dates of these three credit cards should be staggered. For example, the repayment date of credit card A is set to 1, credit card B to 15, and credit card C to 30.
2. When credit card A arrives at number 1 and needs to repay 1000 yuan, the cardholder can use credit card B to withdraw 1000 yuan to repay credit card A.. On 15, the withdrawal amount to be repaid by credit card b is 1000 yuan, plus interest 7.5 yuan (assuming there is no credit card withdrawal fee). Cardholders can use C credit card to withdraw 1007.5 yuan to repay B credit card, so that they can repay each other through multiple credit cards. Cardholders can guarantee that several credit cards will not be in arrears without using their own funds, which will not affect the revolving credit line.
Although you use a credit card, you can enjoy the longest interest-free period if you start spending on the second day of the bill date. But with more credit cards, the date of the bill is easily confused. Therefore, in addition to reasonably grasping the consumption quota of each card, we should also make a detailed list, which should not only record the bill diary of each card clearly, but also list the repayment date item by item to avoid being punished by the bank for delaying repayment.
Precautions for mortgage:
First, repay the mortgage in time.
The principle of good faith is an imperial clause in civil activities, and it is also a clause that we must abide by when performing the contract. As the parties to the mortgage contract, it is our obligation to repay in full and on time according to the conditions stipulated in the contract. Now the country has realized the inter-bank credit system. If you don't repay in time, it will be blacklisted in the bank's credit information system, which will affect your future business in the bank, so each of us should repay in time according to the contract.
Second, choose the repayment method carefully.
In general, the mortgage loan contract is a standard clause contract, and there are generally two repayment methods. One is the equal principal and interest repayment method, that is, the same amount of loans (including principal and interest) are repaid every month during the repayment period, so that the monthly repayment amount is fixed, so that the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income. The other is average capital's repayment method: repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so you will pay more interest at the beginning, so the repayment amount will be more at the beginning, and then it will be reduced every month in the following time. The advantage of this method is that because the initial repayment amount is large, the interest expense will be reduced, which is more suitable for families with strong repayment ability. When signing a loan contract, you can choose the repayment method according to your actual situation to avoid default.
Third, rational use of housing provident fund.
Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. One advantage of housing provident fund is that it is lower than the loan interest of commercial banks. If your unit pays you the housing provident fund, you can use the housing provident fund loan to repay the mortgage, which can not only reduce your monthly repayment pressure, but also reduce the total expenditure of using the housing provident fund loan relative to the total repayment amount of commercial banks.
Fourth, reasonably determine the loan term.
Mortgage loan contracts generally have clauses on early repayment, and early repayment must be approved by the bank, because early repayment will have an impact on the long-term income of the bank. In real life, banks usually charge liquidated damages for prepayment. Of course, different banks will have different policies. Therefore, when signing a mortgage contract, buyers should choose a reasonable loan term according to their actual situation, so as to avoid unnecessary losses caused by early repayment.
I want to know how you bought a house with a credit card, and how you finally paid off your credit card and mortgage.
It was too difficult at first, and I didn't dare to rest every day. I'll see if I can give you some advice in my personal way.
When I first started buying a house, my parents gave me some and kept some for myself. More than 200,000 people bought a house and a car. I don't know what I think. At that time, it was only about 5,000 yuan a month, but the repayment was more than 7,000 yuan a month, as well as car consumables, self-funded and credit card handling fees. It's about 2000 a month, and I can't get by without 13000 a month.
At that time, it was a bit bloated, and the monthly income was more than 10000, which was the case for several months! The original idea was that I could still run a drip or something, but it didn't come true in the end. After buying an RV, that platform will not work. If you don't do it, you can't sell it. If you sell it, you will lose 300 thousand a year by sitting still. Car depreciation and property tax are too high!
1: I heard from friends that the commission for selling houses is quite high, especially for second-hand houses. If you don't want a basic salary, you can get a 70% commission. I will go to the second-hand house to register and not accept management. I'll get 80% commission after completing the formalities. It is also a windfall for them, and I can add icing on the cake to them.
As long as you have time, you can find customers online. See page 58. There is a posting platform where people nearby can find and chat. Buses and subways also talk to people around you. I can always buy several sets a month, and it is not too difficult to earn around 10000. Later, I cooperated with a new house, and one set can raise more than 10000, which means I can sell it anywhere. Gradually accumulated a lot, customers began to introduce customers, because my basic salary is relatively stable, that is, to sell a house, give the introducer a set of 3000,5000, and get a 35,000 when it is good.
Insurance companies can also be named, decoration companies can also cooperate, and furniture cities can also cooperate. Usually, they will sell other products to customers, invest in financial management, and make hot things in the market in stages, such as sleeping pills, sleeping pills and products that help to rest. Now everyone is under great pressure and can't sleep well.
After more than a year, I paid off my arrears and car loan, and I joined the real estate sales industry to build a new house. At present, the basic salary of small management is much higher, and the customers they contact can always serve well and make money, but the big market is relatively poor in recent two years. You can try to do e-commerce, resource grafting and so on. In your own circle, make a necessary product similar to the small platform in the official WeChat account. Taobao, Pinduoduo and JD.COM are all authorized now, so you can move in directly if you want. The official account of WeChat is also given by the system, and you don't need to stock up, and you can receive commission directly, similar to taobao guest! This can still make money at present, and I don't know how long it will last.
People don't know how good they are unless they push themselves. I hope I can help you! Oil; Fuel filling; Make greater efforts
The following answers are not absolute and may not be applicable to everyone. It's just personal practice. Don't spray if you don't like it!
I am a junior in 20 16, and I am an intern in Shenzhen. My parents called me back and said they would buy me a suite and put it in my name! At that time, the down payment was 500,000 yuan, the loan was 6.5438+0.08 million yuan, and the monthly payment for 20 years was 7,000 yuan!
At that time, the internship was only four months, and the after-tax salary was more than 6 thousand per month. I can't afford it at all. It was my parents who paid the money on my card for me!
Later, I came out to work, although I had some savings, but I didn't pay a penny mortgage when I fell in love. It was all up to my parents!
At that time 18, I had six credit cards, Ping An, China Merchants, Shanghai Pudong Development Bank, Xingye, Minsheng and CITIC, with a total credit line of 2 10000, and each card was generally over 30,000!
As a college graduate who has just entered the society, why can he get such a high credit card? In the final analysis, it is because I have a mortgage house, and the monthly payment is relatively large!
Later, these six cards were all real money, and there was also a machine-raised card, which rose from 2 10000 to 460000 now, and two of them rose to 10000!
But I didn't use the money to pay off the mortgage, because my parents were both in business and didn't die like office workers, so they are still here!
The real repayment starts from 19. I made an appointment for partial repayment and got together with my family. I paid back 450 thousand, because more than half of the 7000 mortgage is interest, which is really unbearable!
After paying back 450,000 yuan, the monthly payment has become 3,800 yuan, which makes me feel a lot less stressed, but the loopholes in the credit card are getting bigger and bigger. At this time, I began to officially repay the mortgage. Thank you very much for giving me so much help!
In the days to come, I can only work hard to pay it back. I work in an insurance company in the morning, help with business at home in the afternoon, chat with customers in the evening, and sit on the Internet when I get home.
All kinds of software classified on mobile phones are designed to fill the gaps in credit cards!
Later, getting married in June of 19 was another big expense. Bought three gold, furniture, wedding, hotel, etc. After deducting the collected molecular money, I still owe more than 80 thousand credit cards.
In those days, while paying the mortgage and supporting my family, I filled out my credit card, which really collapsed. I often tell my parents to sell a small apartment invested in the city, but things are not as smooth as expected!
Later, when the epidemic broke out in February, I collected some money and paid off a mortgage of 200,000 yuan with my credit card. Now there are more than 300 thousand principal left, and now it is 2294 yuan a month!
Although looking back at this road, it is very difficult. While constantly cashing in to fill the mortgage, we must work hard to make money. Anyway, dead wages are definitely not enough, because there is an upper limit to the work of selling physical strength and time. I can only choose the sales industry, so my income is not capped!
When you really start doing it, you will find that the process is very painful, but the scenery you have survived is beautiful!
First of all, I want to answer a question. First of all, you can't pour money out of your credit card unless it's tx. Buying a house with a credit card was a false proposition at first. If your credit card still doesn't work, I want to tell you something. First of all, you should have a stable job, step by step. If you can get more credit cards, the amount should not be too low. Don't cancel them after a batch of low amounts. The limit will be raised once in March-June, and then your credit card limit will come up. Doing more cards is to help you tide over the difficulties and slowly return to normal life. The money in the credit card is life-saving money. Except for occasional daily consumption, don't use it unless you have to.
Credit card bills cannot be divided into installments, unless there is a separate bank during the water release period, and a fixed amount can be withdrawn from the installment bill. Or small installments, don't believe the news that 100% can handle large credit cards or 100% can withdraw the amount by installments.
/kloc-You can apply for the first credit card at the age of 0/8, and cancel it at the age of 65. Generally speaking, you can't apply for a credit card at the age of 60, but you can apply for the validity period of the card, or apply for a credit card replacement at the age of 59. This period is 47 years. The money in the credit card can be used for 47 years, of course. And plan your assets reasonably.
How old are you? How many years have you borrowed money? Calculate how long it will take to return it. So, can a credit card help you solve some financial difficulties? Finally, don't be a slave. This is my advice to you.
Compound interest time, think about how to make money, how to make money, how to plan your career reasonably, and how to make your income more and more, so that you won't worry about credit cards and mortgages.
I hope you can tide over the difficulties as soon as possible, and I hope I can help you.
First of all, it is not recommended to buy a house with a credit card, because you will face repayment on both sides and your income is not high, so it is easy to set a trap for yourself. If you don't pay the money, the bank will take over the house, and the money will be gone and the house will be gone. Also, let me remind you first, don't touch the online loan when the card is about to fall. If you touch an online loan, it is basically equivalent to saying goodbye to the bank.
First make a decoration loan or a credit loan to fill in the card and lengthen the repayment period.
Second, increase income. In addition, lend the extra money to invest and create passive income, but control the risks and be safe.
What is the safest, most valuable and most profitable? I won't talk about it. Think about it yourself, or it will be a little recommended.
My younger brother used a credit card as a down payment to buy a house, 20 thousand a month, one year, after 7 thousand mortgage and credit card. Now he has survived.
Most people who buy a house by credit card are proficient in finance.
Using financial leverage to achieve wealth growth. Buying a house by swiping a credit card generally has the following points:
1. There are basically more than five credit cards, and the amount is not less than 80,000.
2. When buying a house, call back and choose a house below the market price for purchase.
3. Will evaluate the overall cost performance of buying a house.
After buying, pay the monthly rent and salary, and get rid of your daily expenses. If you are really stressed, you can use a credit card to reverse your card. It will last about a year or two. If your overall income has not improved during this period, the next policy is to sell the house and cash out. In the past two years, the value-added part of the house is his income, thus realizing the value-added of wealth!
This was done a lot before 15. At that time, the overall house price was not high, and the down payment of high evaluation and high loan was basically rare. After the skyrocketing housing prices in the current market, there is basically no way to buy a house with a credit card. If you are satisfied with the answer, please stay.
I want to know how you bought a house with a credit card, and how you finally paid off your credit card and mortgage.
This kind of operation was quite common in previous years, but in recent decades, the relevant departments have suppressed this kind of thing particularly badly, so it is basically unrealistic to buy a house with a credit card in the market at present;
Then, as for the house they bought with a credit card before, how can they pay back the credit card and mortgage? Let me tell you something:
1. The most common situation is the first three to five years. When is the low point of house prices? Imagine buying more than 10,000 school districts at that time, and now it is more than 50,000. You asked me how to repay this loan.
2. Of course, there are cases where the credit information obtained by this operation is overdue. This operation is a bit of a small horse-drawn cart, which many people can't afford. After all, it is such a large sum of money.
Conclusion:
Finally, to sum up, it is impossible to operate this operation now, so when you buy food, don't think about such illegal things. Now the down payment is illegal, and you can find that you can't use a mortgage.
Coordinates Xi 'an deposits the first ten thousand yuan and skillfully uses the credit card 16 to buy a house and a car. By the way, I'm married and I haven't paid a penny at home.
Credit cards are no longer allowed, and bank cards are needed.
Bought a house and swiped 80 thousand credit cards. Trying to make money and pay back the money, but last year, the pressure was super high. It is not recommended to imitate me.
I am burdened with mortgage and car loan, as well as online loan and credit card. How should I solve them?
In this wave of novel coronavirus, both individuals and enterprises have been affected to varying degrees. Nowadays, many people have basically used up their cash reserves, so everyone is under great pressure, especially those who have mortgages, car loans, online loans and credit card overdrafts.
What will happen to these heavily indebted people? I think it depends on the specific situation of different people. In the face of huge debts, the countermeasures that everyone can take are nothing more than the following situations.
1. Apply to the bank for deferred repayment.
At present, it is a critical period for prevention and control in novel coronavirus. According to the requirements of the relevant documents of the central bank and the China Banking Regulatory Commission, banks should handle it in a special period during the pneumonia epidemic. First of all, for medical personnel, personnel involved in epidemic prevention and control, and users and their families who have been diagnosed as confirmed users and suspected cases in novel coronavirus, repayment can be postponed. Delayed repayment is not overdue, it will not generate penalty interest, and it will not affect personal credit.
Of course, although many banks do not have a policy of delaying repayment for normal users at present, in the special period of the current pneumonia epidemic, if people really have no source of income because of some objective factors of the pneumonia epidemic, such as closing roads and villages, and enterprises failing to resume work normally, relevant departments or enterprises can issue certificates and then apply to the bank for delaying repayment. I believe that most banks will agree to delay repayment for users at this critical period.
2. Borrow money to pay off debts through other channels.
If no one has applied to the bank for an extension, I believe many people will borrow money to pay their debts through other channels. There are many channels to borrow money at present. As long as everyone's credit is good, they can basically borrow money, such as credit card overdraft, online loan similar to borrowing money, or directly borrow money from relatives and friends, and they can cope in a month or two.
3, passively overdue for one or two months, and then find ways to make money to repay.
If the debt due cannot be solved by the above two methods, I believe many people can do nothing, so that they can only rely on debt to overdue. However, we don't have to worry too much about overdue debts. After the enterprise returns to work, it must work hard to make more money, and then pay off the debts in time.
Although overdue will result in penalty interest and liquidated damages, which will affect your own credit, if everyone is only overdue for one or two months, it will not be very serious as a whole, as long as everyone can pay off these debts in time, it will not have much impact.
If a person wants to live a quiet life, he must master the basic theory of economic value and be responsible for his actions. Otherwise, you will not only be unable to obtain stable and reliable income, but also lead to heavy debts and even affect your credit report.
So I think, in order to avoid the situation in the topic, avoid being dragged down by debt and live a more comfortable life, you must remember the following basic rules.
One is to seek a stable source of income, the other is to live within our means, the third is to make emergency reserves at ordinary times, the fourth is to avoid excessive consumption, the fifth is to avoid excessive investment, the sixth is to overcome vanity, and the seventh is to maintain one's own credit.
If you can stick to the above points, I don't think you will be burdened with heavy debts and will not be exhausted by the epidemic now. This is my personal experience.
When you have a lot of online loans, credit cards, mortgages, car loans and other debts. How do you solve them?
At present, there are many people in debt, and the era of credit consumption has brought us great convenience. At the same time, debt has gradually become a social norm. But debt is not terrible. I'm afraid you unconsciously face up to all kinds of pressures caused by debts in your life. For example, many debt collectors call or collect debts at home, or support loans with loans. How to deal with them?
First of all, we can manage various liabilities such as online loans, credit cards, mortgages and car loans. Prioritize and treat them separately.
Make a list of your debt items and manage them in tables, so that you can know at a glance how much debt you have, which one to pay first and which one to pay later, so that you can sort out your priorities, do the urgent and important first, and then do the light and secondary ones, so that the work will be orderly.
Debt pressure is basically to repay as soon as possible, and we can increase savings from two aspects; On the one hand, open source is to increase income, on the other hand, it is to reduce expenditure.
1, increase income
The way to increase income is sideline. For example, operating an online shop has a low starting threshold and less trumpet time. You can spare some time to take care of the shop every day. In addition, you can do some offline work, such as Didi driver and takeaway deliveryman. The benefits of both can be realized faster.
Step 2 save money
When the debt pressure is high, we must adjust our living standards. Some unnecessary expenses will not be consumed. Just-needed items can be replaced by apartments, which basically meet the daily needs of food, clothing, housing and transportation. Others can appropriately reduce the consumption level.
To sum up, in the face of various liabilities, we must first manage the debt list, prioritize and treat it differently, and finally increase revenue and reduce expenditure, and the debt will be gradually resolved. If you have different opinions, please leave a message in the comment area and wish everyone an early landing.
With the popularization of credit card consumption and the enrichment of online consumer loan channels, more and more overdraft consumer products have appeared one after another, and we have entered the era of credit consumption; This greatly facilitates our daily consumption, but at the same time debt has gradually become a normal state. What should we do when we have multiple debts such as online loans, credit cards, car loans and mortgages?
First of all, sort out the context.
Every debt has a repayment period, and multiple liabilities are easy to lead to overdue, resulting in overdue fees and increasing repayment pressure. Therefore, the first thing we have to do is to sort out our debts and sort out a repayment plan.
Things have priorities, which can be divided according to the urgency of repayment. Generally speaking, the repayment of mortgage and car loan is determined by monthly payment, and the amount is relatively large. We can write this down first, there is no way to adjust it. Secondly, for online lending platforms, the loan interest rate of online lending is generally relatively high, so don't overdue online lending, and now online lending is also included in personal credit evaluation, so you must pay attention to the deadline when repaying online lending. If there is no repayment last month, follow the principle of repayment as much as possible, and communicate with the platform in time when it is overdue, and whether it can be repaid if the amount is long overdue.
Credit card repayment flexibility is relatively large, so you can try to extend the repayment period by making the minimum repayment amount, but the minimum repayment amount no longer enjoys the interest-free period of credit card, and the unpaid part needs to be paid to the bank according to the daily interest rate, which is relatively uneconomical. If it is a long-term proposal, it is recommended to repay by installments.
Second, open source and reduce expenditure.
Debt pressure is basically to repay as soon as possible, and we can increase savings from two aspects; On the one hand, open source is to increase income, on the other hand, it is to reduce expenditure.
1, increase income
The way to increase income is sideline. For example, operating an online shop has a low starting threshold and less trumpet time. You can spare some time to take care of the shop every day. In addition, you can do some offline work, such as Didi driver and takeaway deliveryman. The benefits of both can be realized faster.
Step 2 save money
When the debt pressure is high, we must adjust our living standards. Some unnecessary expenses will not be consumed. Just-needed items can be replaced by apartments, which basically meet the daily needs of food, clothing, housing and transportation. Others can appropriately reduce the consumption level.
To sum up, we have entered the overdraft era, and debt is not terrible. Instead, it has gradually become a universal state. Therefore, it is necessary to ensure the mentality, open source and reduce expenditure, and strive for an early landing.
As long as you can bear the interest and earn a monthly income, let the rest be natural.
Husband's salary should be paid by credit card, mortgage and car loan. How does the wife manage money?
In fact, I think if your husband's salary is to be paid by credit card, mortgage and car loan, then as a wife, he should not take care of his money. After all, he has been paid. The loan at home, so there should be little left, or it is better for the husband to manage it himself.
This concludes the introduction of how to repay credit cards and mortgages and how to repay credit cards and mortgages. I wonder if you have found the information you need?