Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 23

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 28

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 34

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 38

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 45

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 49

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 58

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 62

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 71

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/ord.php on line 81

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/joomla/string/src/phputf8/utils/validation.php on line 40

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/vendor/typo3/phar-stream-wrapper/src/PharStreamWrapper.php on line 479

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/joomla/database/driver.php on line 1956

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/joomla/database/driver.php on line 1956

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/joomla/database/driver.php on line 1956

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/joomla/database/driver.php on line 1956

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/joomla/database/driver.php on line 1956

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/joomla/database/driver.php on line 2032

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/src/Filesystem/Path.php on line 148

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/src/Filesystem/Path.php on line 151

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/src/Filesystem/Path.php on line 154

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/plugins/system/jsntplframework/libraries/joomlashine/helper.php on line 832

Deprecated: Array and string offset access syntax with curly braces is deprecated in /home/betterf8/public_html/licai/libraries/src/User/UserHelper.php on line 636

Deprecated: Unparenthesized `a ? b : c ? d : e` is deprecated. Use either `(a ? b : c) ? d : e` or `a ? b : (c ? d : e)` in /home/betterf8/public_html/licai/plugins/system/jsntplframework/libraries/joomlashine/utils.php on line 623

Warning: "continue" targeting switch is equivalent to "break". Did you mean to use "continue 2"? in /home/betterf8/public_html/licai/plugins/system/jsntplframework/libraries/joomlashine/template/megamenu.php on line 228
购房贷款常识 - 德国理财网

Deprecated: Cannot use "parent" when current class scope has no parent in /home/betterf8/public_html/licai/administrator/components/com_fields/helpers/fields.php on line 608

immovalues

很多人在德国一直租房住,给房东付租金的话,那么到头来钱是付出了,可是却没有属于自己的房产。可是如果您能够及时买房建房,把交房租的资金投入自住的房产里,在十年二十年后就能完全拥有自己的房产,也不愁养老问题了。

自有资金的筹备

如果您打算开始申请购房贷款事宜,第一步应该盘点您自有资金的数额,将基本没有收益的投资变现,尽可能多地提供自有资金数额。对于中国的置业者来说, 这步的意思就是您应该尽快把国内的自有资金转移到德国来。因为您的自有资金比例越高,您能够获取贷款的成功率就会越高。德国银行在审核贷款申请人自有资金证明时,只考虑他在德国账户里的资金,而不考虑中国账户里的资金。

中国置业者在德国申请购房贷款时很容易被贷款机构拒绝。其重要原因在于中国的置业者多数在德国持法人签证和欧盟德国蓝卡这两种有限期的居留,还未拿到长期居留,贷款机构对审核无长居申请人的贷款资质非常苛刻。

如果中国置业者是已在德国生活多年并已取得长居或者德国国籍的华人,申请购房贷款应该是没有问题的,可以咨询自己的开户银行,或者直接去购房贷款中介处申请。德国最知名的购房贷款中介是Interhyp公司。

如果您的购房贷款被拒,那么德房咨询可以帮您解决贷款问题。只要您能提供房款50%以上的自有资金,德房咨询就可以为您解决购房贷款问题。德房咨询持有正式的按德国法律§34c 颁发的房产抵押贷款和房地产营业执照,为华人投资德国房产提供房源筛选、房产评估、购房合同评估、购房贷款、建筑设计、房产托管等专业的一条龙咨询服务。

贷款利息及条款的比较

目前贷款市场上提供购房贷款的金融机构数量繁多,贷款条件和利息的区别也很大,所以您一定要细心甄别,注意审查每个大小条款。

对于您来说,选择贷款最重要的标准自然是贷款利息,但是固定利息的年限长短也是非常重要的一个标准。这个年限可以是5年,10年,15年或者更长。在贷款利息较低的情况下,对您来说选择固定利息年限较长的贷款比较有利。

固定利息的年限一方面决定您每月还款数额,另一方面决定了您在固定利息年限结束后还有多少剩余贷款待还。所以您需要全面地考虑各种还贷方案,最好能够咨询一个经验丰富的贷款咨询师,以选择对您来说的最佳贷款方案。

点击这里可以在线比较贷款利率:

Interhyp Zinsrechner

购房贷款的运作

您在获取贷款后每个月要向银行还款,还款部分包括每月利息和还贷部分。如果您的贷款合同里规定您可以有额外还贷的可能性的话,这个条款对您来说是非常有利的。因为如果您在还贷过程中发现您的经济情况比预期的要好,就可以根据您的能力进行额外还贷,就可以以缩短还贷期限,减少利息开支。

如果您预计固定利息年限过后的利息会低于目前贷款利息,可以考虑在贷款结束后签订新的贷款合同。

优惠低息贷款

德国各联邦州,各市及城镇都会为建房者与买房者提供优惠的低息贷款,比如联邦州提供的KfW低息贷款。您如想申请该类低息贷款,需提前做功课,了解低息贷款需满足的条件,并及时提供材料进行审批。

Go to top
JSN Boot template designed by JoomlaShine.com