What financial skills do 60-year-olds have? What is the mortgage transfer process?
1, deposits of financial institutions
The deposit security of financial institutions is relatively high, which is the most important financial management method in the hearts of many elderly people and can gain the trust and trust of the elderly. But relatively speaking, the liquidity of deposits in financial institutions is relatively poor. For example, a five-year time deposit can only be withdrawn after five years. If the loan interest is withdrawn in advance, it will be calculated according to the demand deposit, which is not cost-effective.
If you want to ensure the safety of funds, but also have strong liquidity and certain income, you can filter and store funds, such as ladder deposit method and1February deposit method.
Ladder deposit method refers to a way of saving money by dividing it into different or the same parts, and then depositing them in financial institutions for different periods of time. For example, if there is 200,000 yuan, you can divide the money into four parts, each of which is 50,000 yuan, and then deposit these four parts into financial institutions. The term of deposit is one year, two years, three years and four years respectively.
A year later, a deposit expires every year. If you are in a hurry, you can withdraw the interest directly. If not, you can continue to copy. This will relatively improve the liquidity of funds, and at the same time get some income.
The twelve-deposit method is actually similar to the ladder deposit method, except that twelve months of a year are used as the deposit period and cycle time. For example, 1 .20,000 yuan, the first month 1 10,000 yuan, the second month110,000 yuan, and so on, 12 months, the deposit time is the same, so that interest will expire every month, and the liquidity of funds is relatively strong.
2. Time deposit
The risks of certificates of deposit are the same as those of bank deposits, both of which are guaranteed capital and interest, and both of which are commercial insurance with deposits. The maximum payment for commercial insurance with deposits is only 500,000 yuan. Therefore, whether it is deposits or certificates of deposit of financial institutions, it is necessary to avoid deposits in banks exceeding 500,000, and do not put eggs in one pocket.
The liquidity of certificates of deposit is stronger than that of time deposits, because certificates of deposit can be sold and mortgaged, and the interest rate of certificates of deposit is higher. The only drawback of the certificate of deposit is that the starting point of the deposit is relatively high, and the individual is at least 200,000. If the deposit is below 500,000, you can choose some local financial institutions, and the annual interest rate of regional banks is generally higher.
3. National bonds
China bond is a financial management method with relatively high safety factor. China bonds are backed by national credibility, which is called Phnom Penh bonds, and there is basically no risk. The consumption starting point of China bonds is also very low, and the expected yield is higher than that of time deposits. The only deficiency is the liquidity spread and the interest guarantee without capital preservation.
The transfer process of mortgaged real estate is different. The transfer process of mortgaged property stipulated in big cities is likely to be different. Take the transfer of property rights of mortgaged houses in Wuxi as an example, the main steps are as follows:
1. Both parties to the transaction have reached a real estate sales agreement and obtained the permission of the mortgage bank;
2. Both parties to the transaction sign a capital control agreement with the lending institution to ensure that the controlled capital can exceed the remaining loan principal of the seller;
3. After the loan handled by the buyer is audited by the bank, the down payment of the buyer and the loan funds issued by the bank will be deposited in the special account;
4. Apply for the filing of "three certificates in one", that is, the pre-sale registration of second-hand housing sales, the industrial and commercial change of the seller's pledge, and the joint application of the buyer's new pledge;
5. The funds released in the special management account will be used to pay off the remaining loan principal of the seller, cancel the mortgage filing, and then transfer the remaining funds to the account designated by the seller.
In the whole process, the pledged real estate can be traded and transferred without repaying the mortgage in advance and making advance payment, and the funds are under special control. Once the payment fails due to probability or abnormal circumstances, the deposited funds will be returned, which can not only effectively prevent transaction risks, but also avoid fund disputes.
Information required for the transfer of mortgaged property rights 1, information of the seller
Mainly identity documents and savings cards, after all, housing loan information has been submitted before.
2. Buyer's materials
Identity certificate, household registration book, unmarried certificate, work income certificate, credit report, family house property certificate, down payment certificate, repayment savings card and information specified by financial institutions.
3. Information about the house
Mainly housing property certificate, housing sales contract, mortgage loan contract, pledge change agreement issued by financial institutions after the buyer's mortgage approval.
Because the mortgage property transfer process is to change the mortgage loan on the premise of applying for the business process of second-hand housing sale, only one set of materials and business process need to be submitted once, and it can be handled in the same preliminary examination dialog box, which reduces the intermediate procedures and shortens the transaction cycle.