02:44
I have a home of their own and are deferred annuities may be comforted each other during the early years of the period. In the early years of installment payments. We always have interest loan to buy a home at a discounted rate. Or promotion of low interest itself.
However, over time until the promotion's interest is then enters a floating interest rate. Floating rate will depend on the market rate loan. The policy rate is set by the Bank of Thailand. In the current market interest, it is about 6-7% per year, which is considered quite high enough.
Would be nice if we could reduce the loan interest, the less it can not be.
The refinancing to qualify.
1. First ask borrowers refinance to reduce interest we should have a history of loan payments regularly. And punctuality Each installment payments in that period, we should settle for accuracy and completeness. This time you first and for the sake of the future we want to refinance my home.
2. Check the interest rates of refinancing required. The current bank different promotions to attract customers to borrow money to buy a house like us. In particular, some banks will keep interest rates at exceptionally attractive if we have some rights such as the right to borrow to buy a first home. Or the right of the agency to provide banks with interest rates.
3. Check the cost of refinancing carefully. Because of the refinancing, we may incur in the event that we change the loan as a loan from Bank A, but we've come a loan from Bank B, instead of the lower interest. However, should the cost side. And if possible seek to negotiate a new bank rescue us from the costs that may not necessarily be very good.
4. Ask for a lower interest loan from an old source. In some cases, if you pay on time. Full pay period We might do Or a request to reduce the interest on bank loans as a source of it.
5. financial plan if you pay within a shorter time. For example Never borrow from banks in a loan term of 30 years, but we thought we would pay to refinance out quickly. Payment may be only 15 years to make our mortgage payments to increase it. If we do financial planning in advance may cause "shock" and adversely affect the new pay period. History and will take it easy.
However, for stories of interest rates was not the case only in the calculation before deciding to move on loan. But interest rates are the most important issues in refinancing. If you see a low fixed interest rate in the early years. The current interest rate for the first year down to 1%, 2.5% and 3%, but that will only interest in the early years only because mortgage loans have a loan term is ten years or so. Whether refinancing Buying a new home It should take into account the interest rate expires after a fixed interest. While some people may be excited about. "M minus" over MLB's alone. Ignoring the normal interest MLB SR. Interest or major customers of banks that are newsworthy. Unlike some banks and other financial institutions typically small. Often define the higher reference interest of major banks, financial institutions, therefore, although down from the previous benchmark. It may be the same rate as large financial institutions so only solution is the need to compare interest rates between financial institutions. Also need to look at the history of financial institutions that loan that is higher or lower than the banks we use it.
Hope you get some benefit for people wishing to refinance my home.
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