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**g8m8n2yf** · 06-09-2011, 12:37 AM

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34043 2009 年 08 月 11 日 10:07 Reading (loading. ..) Comments (0) Category: Financial turmoil
financial management of people, \
Abstract: From the financial point of view, all assets can be achieved through the operation and management of returns, expenses for first-class life - the mortgage is no exception. For example, a reasonable choice of loan products, we can save you large sums of money, and even the way the mortgage properly use the words, but also at different times in life you can solve the immediate problem ...
from a financial point of view, all assets can be achieved through the operation and management of returns, expenses for first-class life - the mortgage is no exception. For example, a reasonable choice of loan products, we can save you large sums of money, and even the way the mortgage properly use the words, but also at different times in life you can solve the immediate problem.
Based on our years of research, analysis, planning for a reasonable mortgage, should note the following points:
one reasonable control of personal assets to liability ratio
Generally, individual asset-liability ratio of 50% or less,puma ferrari, is relatively safe,puma future cat, the highest words, nor more than 60% of the cordon. (Note: The financial obligations ratio, is the balance of household debt and household disposable income ratio, which is a measure of household debt burden indicators.)
how to plan a personal debt ratio? We believe that individuals from their income, their qualifications, as well as three years of real estate considerations. Increase revenue and reduce expenditures is expected, according to their age and the age of housing options such as a longer way of life of the loan period, you can adjust and control the individual asset-liability ratio.
Second, the right face, the mortgage should be a two-step
first step, the loan-to-front self-examination: an estimated their financial strength in order to choose the appropriate loan term, asset-liability ratio is not only the protection of personal safety, should also guarantee a certain extent, the existing quality of life. Before the loan-to-debt ratio to work out a system to ensure no more than 50% of the program.
Secondly, the use of which way the loan? Currently, individuals have a provident fund loans, commercial loans, and a combination of fund + loans, commercial loans are available in three ways. Interest from the savings point of view, if the individual has the housing provident fund, provident fund loans and can apply to buy a house, then try to choose the loan fund. Annual interest rate for provident fund loans, the average lower than about 1% of commercial loans. If you can not fund all applications to the loan, then some part of the provident fund loans + commercial loans portfolio loans, is also a good choice; if not the first two lines, then had to select a commercial loan.
loans identified, the next is the choice of repayment. Specifically,puma speed cat, individuals with the most is equal principal repayment of principal and interest or the equivalent, in the end these two methods by which, to be based on individual income conditions. If the income is good, matching the principal may choose to accelerate the speed the return of principal, to minimize interest payments; if the income is, and do not want to remember how much money each month, then return to select the matching principal and interest. The difference between these two methods may save some interest expense.
second step, whether early repayment?
term of the loan to determine whether the economic situation in the need for early repayment, for example, if the fund currently has some rich, considering early repayment, we would like to suggest the best scrap the whole idea, is not now a good time to repay because the view from the cost of borrowing is now rare in the recent years of interest rate underestimated. As the economy gradually recovers, we believe that in three to five years in the future at the line rate must, at the moment we have the appreciation of space if you select a number of financial products,puma racing shoes, not only to offset the current mortgage interest payments, and even the possibility of large have some surplus.
addition, if the term of the loans in some special cases, the monthly support for the difficult months, you can apply to the bank under the provisions of the loan period be extended to reduce monthly payments, reducing the pressure of repayment.
Usually,puma sneakers, we always think to buy financial products, buy the fund or to buy stocks considered as investment banking, loans, as is more spending. In fact, we should also be the loan as a financial management, select the form of loans, should be determined by the strength, because of the situation change, the same can be expected to achieve better efficiency.

06-09-2011, 12:37 AM	#2
g8m8n2yf General of the Army Join Date: Mar 2011 Posts: 1,857	,puma shoes on sale \| Back to logs list 34043 2009 年 08 月 11 日 10:07 Reading (loading. ..) Comments (0) Category: Financial turmoil financial management of people, \ Abstract: From the financial point of view, all assets can be achieved through the operation and management of returns, expenses for first-class life - the mortgage is no exception. For example, a reasonable choice of loan products, we can save you large sums of money, and even the way the mortgage properly use the words, but also at different times in life you can solve the immediate problem ... from a financial point of view, all assets can be achieved through the operation and management of returns, expenses for first-class life - the mortgage is no exception. For example, a reasonable choice of loan products, we can save you large sums of money, and even the way the mortgage properly use the words, but also at different times in life you can solve the immediate problem. Based on our years of research, analysis, planning for a reasonable mortgage, should note the following points: one reasonable control of personal assets to liability ratio Generally, individual asset-liability ratio of 50% or less,puma ferrari, is relatively safe,puma future cat, the highest words, nor more than 60% of the cordon. (Note: The financial obligations ratio, is the balance of household debt and household disposable income ratio, which is a measure of household debt burden indicators.) how to plan a personal debt ratio? We believe that individuals from their income, their qualifications, as well as three years of real estate considerations. Increase revenue and reduce expenditures is expected, according to their age and the age of housing options such as a longer way of life of the loan period, you can adjust and control the individual asset-liability ratio. Second, the right face, the mortgage should be a two-step first step, the loan-to-front self-examination: an estimated their financial strength in order to choose the appropriate loan term, asset-liability ratio is not only the protection of personal safety, should also guarantee a certain extent, the existing quality of life. Before the loan-to-debt ratio to work out a system to ensure no more than 50% of the program. Secondly, the use of which way the loan? Currently, individuals have a provident fund loans, commercial loans, and a combination of fund + loans, commercial loans are available in three ways. Interest from the savings point of view, if the individual has the housing provident fund, provident fund loans and can apply to buy a house, then try to choose the loan fund. Annual interest rate for provident fund loans, the average lower than about 1% of commercial loans. If you can not fund all applications to the loan, then some part of the provident fund loans + commercial loans portfolio loans, is also a good choice; if not the first two lines, then had to select a commercial loan. loans identified, the next is the choice of repayment. Specifically,puma speed cat, individuals with the most is equal principal repayment of principal and interest or the equivalent, in the end these two methods by which, to be based on individual income conditions. If the income is good, matching the principal may choose to accelerate the speed the return of principal, to minimize interest payments; if the income is, and do not want to remember how much money each month, then return to select the matching principal and interest. The difference between these two methods may save some interest expense. second step, whether early repayment? term of the loan to determine whether the economic situation in the need for early repayment, for example, if the fund currently has some rich, considering early repayment, we would like to suggest the best scrap the whole idea, is not now a good time to repay because the view from the cost of borrowing is now rare in the recent years of interest rate underestimated. As the economy gradually recovers, we believe that in three to five years in the future at the line rate must, at the moment we have the appreciation of space if you select a number of financial products,puma racing shoes, not only to offset the current mortgage interest payments, and even the possibility of large have some surplus. addition, if the term of the loans in some special cases, the monthly support for the difficult months, you can apply to the bank under the provisions of the loan period be extended to reduce monthly payments, reducing the pressure of repayment. Usually,puma sneakers, we always think to buy financial products, buy the fund or to buy stocks considered as investment banking, loans, as is more spending. In fact, we should also be the loan as a financial management, select the form of loans, should be determined by the strength, because of the situation change, the same can be expected to achieve better efficiency.

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