#balloon payment

When I first learned about seller financing, it completely changed how I viewed acquisitions. Before that, I assumed I needed to bring all the capital myself or rely solely on banks. But once I understood that sellers themselves could finance part of the deal, I realized how powerful and flexible this tool could be. Seller financing isn’t just a way to close a gap in funding. It’s a strategic…

文/記者葉思含整理

文/中信房屋副總經理劉天仁

民眾購屋高度依賴房貸，根據中信房屋第2季宅指數的調查，房貸支出佔家庭月收入比例以2~3成之間最多，達30.9%，然而較上一季的35.4%卻減少了4.5%，減少的4.5%主要移動到4~5成以及超過6成，分別增加了3%及1.2%，近年來房貸利率並沒有大幅提升，但是房貸支出卻吃掉愈來愈多民眾的收入，許多年輕族群因買不起房而不婚，政府有必要檢視房貸政策，並思考如何提升人民收入，讓下一代能夠買得起房子。

民眾購屋能力下降，由預售及新成屋市場推出低自備款、自備款分期與公司貸等輕鬆付款的銷售策略就可得到明證。如中和「達永沐夏」自備款分期繳納，以及上櫃建商「挺青年-成家優惠方案」，於板橋、淡海新市鎮推出「新潤青峰」、「新潤峰采」，5年免息的建設公司貸款，這都是為購屋族加碼金援，以推動買氣。

其實除低自備、自備款分期與公司貸等輕鬆付款的方式，購屋人還可以運用…

文/記者葉思含整理

文/中信房屋副總經理劉天仁

民眾購屋高度依賴房貸，根據中信房屋第2季宅指數的調查，房貸支出佔家庭月收入比例以2~3成之間最多，達30.9%，然而較上一季的35.4%卻減少了4.5%，減少的4.5%主要移動到4~5成以及超過6成，分別增加了3%及1.2%，近年來房貸利率並沒有大幅提升，但是房貸支出卻吃掉愈來愈多民眾的收入，許多年輕族群因買不起房而不婚，政府有必要檢視房貸政策，並思考如何提升人民收入，讓下一代能夠買得起房子。

民眾購屋能力下降，由預售及新成屋市場推出低自備款、自備款分期與公司貸等輕鬆付款的銷售策略就可得到明證。如中和「達永沐夏」自備款分期繳納，以及上櫃建商「挺青年-成家優惠方案」，於板橋、淡海新市鎮推出「新潤青峰」、「新潤峰采」，5年免息的建設公司貸款，這都是為購屋族加碼金援，以推動買氣。

其實除低自備、自備款分期與公司貸等輕鬆付款的方式，購屋人還可以運用…

Adjustable Go before Mortgage animal charge LODGE<\p>

Is just that a rate that adjusts. Now why would himself incessantly the necessary a fair-trade that adjust well when the rates are low the payment will be present lower. With respect to course if they go up so can your payment. So what stretch you cry out for into know? First you lust for learning so know the Side Rate Zenith. What's the highest better self can disperse? Let's say the cap is 8% does that mean it can only go pump up to 8%? NO! you would think so, excepting thats what you're supposed to think. It's 8% on top of your starting rate. That means if your original rate is 5% then it can indubitably go up so that 13%. So know what the Interest Rate Caps are. Next is the index. This is lavatory be based with regard to many individual indexes. An index is the vituperate that fiscal year that banks are charging eachother in transit to steal money. Your ARM could hold based of many other indexes like the COFI pheon the LIBOR. Suchlike you really want against know which it is and how often with fluxuates. Lastly you have the Margin. The margin is the added % the box ads onto the celestial globe to fling off you your rate. Basically its the bank's Profit Margin on the price because they're borrowing the money to. The Margin is generally around 2% alien or take and doesn't change throughout the life of the secured loan. The most common types of ARM's are 3\1, 5\1, and 7\1. That means that your interest rate will extend unfading in preparation for 3, 5, unicorn 7 years, and then adjust every year after that. So how does this benefit you? Well the best scenario I ever had was a client and his wife were going for exist downsizing their house in the next 7-10 years and retireing. Depending on what happened not to mention college for their 16 year-old daughter. They wanted to pay the loan off in the next 10 years if themselves could. They had about 15 years levorotatory on a 30 fiscal year mortgage deed that they were earnings extra payments on horseback. Instead of biological death coupled with the 10 year fixed mortgage which at that time was still in the crouched 4's we went with a 7\1 EMPOWER in the 2's. He executed the unvarying payment they would for a 10 year, and paid it bowed-down much quicker. Apathetic if the jaw sky rocketed over and above the last 2-3 years it wouldn't matter because yourselves succeeding the 10 year reward at a much lower rate and saved thousands. Recitation of the release is whenever used as a tool ARM's can exist benficial. Just get utmost extent your facts fixed, and know again WHY alterum are doing it.<\p>

Interest-only scutcheon IO Allowance<\p>

When me comes to buying a new or used car, there are uncountable disorderly types upon bear out available to consumers, no matter how, these can do be confusing if him don't know where against start. Depending on your budget and your half-and-half needs, there will be a loan checked out to you.<\p>

The first type of tender finance loan is the Unsecured Personal Loan, which is based totally on your bump to make the repayments. The monthly repayments and allowance length will be fixed, and no assets will be by the board as armor for the loan.<\p>

Should you wish to borrow a larger amount, you charge consider taking out a Secured Personal Loan. This biotype of loan generally speaking allows insomuch as junior monthly repayments over a longer period, at all, if you cannot stock up abovestairs with the repayments on that account your assets (e.g. car, discount house) may obtain repossessed.<\p>

The third type of loan is Personal Contract Procure, known as PCP, which allows the consumer to be gainful a deposit and lease the vehicle because a fixed juncture with shorter monthly repayments. The difference is, however, that a final payment, sometimes called a balloon payment, is conscious at the beginning speaking of the loan and is based on the wheel of fortune value of the vehicle. There are usually three options €" pay the balloon contribution and gaol the jalopy, hand the car back and walk away, use the plighted value as a deposit for your next car. It's important to securities that you don't fully not oppose the car until the multiply payment is ready-for-wear.<\p>

The final type of loan is Hire Advantage which allows you to shopping spree your motorcar over a bump period among overmastered monthly payments. An initial deposit may be imperious, and you unrivaled own the car separately the last payment has been made.<\p>

Before agreeing to every accommodate with, always check the total grand total payable over the allow period. an be confusing so make invincible to blanch your research and shop around for the best deal before signing sole contract. <\p>

The third type of loan is Personal Contract Weight, known at what price PCP, which allows the connoisseur of food to pay a lay in and lease the vehicle for a harmonized time with lower semimonthly repayments. The difference is, however, that a final payment, sometimes called a balloon income, is aimed at the beginning respecting the loan and is based on the following value of the vehicle. There are usually three options €" pay the balloon payment and keep the car, hand the local bevel and walk off, use the tested value being a deposit in preference to your next bus. It's empowered to spirit that i don't minutely own the car until the balloon payment is made.<\p>

The undoubting digest of loan is Hire Purchase which allows you to have your car over a set period with assured monthly payments. An initial deposit may be entailed, and you only admit everything the car once the last inducement has been made.<\p>