ranking mortgage rates (2007years11month)

Long term fix interest drop n/a November)

This month, the interest of 20 years super long term fix fell n/a %.As for other interest type, as the bank where the shop front interest did not fluctuate completely from last month being several lines shows, as for the big movement almost it was not, it was quiet month as a movement of the entire interest.

Main long term fix interest (30 year repayment) of financial institution
Page as for 2 new purchase groups, “flat 35″ main point check
Page as for 10 year fixing of 3 main financial institutions?
Page 4 profitable information full load! Housing loan information of this month

As for easy combination of fluctuation and fixing origin of failure!
Interest rise! So wake which can be called “the low interest rate still”
If it has, there is no anxiety! Housing loan interest 5% comes!?

Long term fix interest (30 year repayment) of main financial institution

It will try comparing the interest, and entire payment amount of all the period fixing or 30 year fixing of the main financial institution of this month.

interest rates were generally falling11it is the month, about sony bank interest rate was also increased from the previous month. sony bank, the previous month will be announced in the middle of next month’s interest rate. and other financial institutions because the timing of interest rate decision is shifted half a month, by the movement of interest rates, may be different from other movements and in this way. in this month’s interest rate, stbSBIlow net bank, sumitomo trust & banking co., ltd. subsequently, shinsei bank has become.

if you are a comparison of the mortgage, i want to focus in addition to fees and interest rates is the guarantee fee. particularly, the longer the years of repayment guarantee fee, the higher the loan amount is greater, amount that will be a big thing. comparison of the total amount paid in consideration of fees and guarantee fees, will be chosen as reference for mortgage.

this month in total payments, order now and interest rates almost. if the mortgage deals which will serve to determine whether, in this way, see also consider that from the total payment amount, the hands of one.

people for a new purchase flat35 there are also worth considering. following page let’s compare a.

purchase a new pair, flat35 also check out

in the case of a new purchase, long-term fixed mortgage has provided the tie-up financial institutions and the private sector the government housing loan corporation flat35 also will be one of the choices. flat35 the average interest rate, declined from the previous month in the same way as other long-term interest rates, this month3.037%has become.

of the mortgage bank flat35 is characterized by putting out a product of low interest rates. but, flat35 also, loan fee is different depending on each item, many people will only interest rate that can not determine. of the month flat35 interest rate and the, let’s check the total amount paid including the fee!

rakuten, including mortgage, 2.83%were many things have adopted the minimum interest rate. but, conforming mortgage is, although interest rates have been set higher than the lowest interest rates, loan fee is cheaper, in the total amount of payment has been made this month and also advantageous. in this way, even in a low interest rate products, the total amount paid in fees and higher loan, you may also be reversed. comparison in the total amount paid, flat35 it can also be done at the site of, when in doubt select items to use all means, let’s.

repayment period20years or less flat35

flat35is, repayment period20in the case of the year following another interest rate has been established. borrowing2,000million yen, repayment period20in the case of the year, comparing the total payment amount, looks like the following:.

repayment period20in the case of the year following, repayment period for both companies21has become more than a year lower than the interest rate setting. about the commission, many companies have in handling the same for both, family life services, repayment period20in the case of the year following, of the loan amount0.945%you are (repayment period21for more than a year1.6%) . repayment period is shorter for, 30years and35than in the case of the year, the difference between the total payment amount will be smaller.

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(thorough verification) flat35vslong-term fixed loans

flat35 group credit life insurance premium is required for payment of a separate

found a new purchase, when you consider the long-term fixed-rate loan, bank loans and flat35 there will also be compared. in that case,, care should also be taken for credit life insurance group. bank loan, group credit life insurance usually is included in the interest rate, flat35 in, to join the group credit life insurance is optional, so, if you want to join, will cause additional premium payment (annual payment) . borrowing3,000million yen, 30if the repayment year, the first year premium of approximately8.4million yen. then, balance is reduced in accordance with, it will also show reduced annual insurance premium, 30total annual premium, about150will be about ten thousand yen (depending on interest rates) . in total payment amount, when comparing loans and bank, you will need to also consider this insurance.

following page in, 10compare the-year fixed.

10year fixed interest rate is almost flat

fixed interest rate level is higher, from that payment to be made each consisting of many, take the risk of rising interest rates are somewhat at your own risk, 10i think that some people has been increasing use of year fixed. for example, if you are going thought is actively engaged in the prepayment is, interest rate is fixed10can also considerably reduce the principal in the year, it is also possible for reducing the risk of rising interest rates, type is one of the attractive interest rates.

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rising interest rates! which is obtained? 10year fixedvslong-term fixed

of the month10year fixed interest rate, there is also down slightly from last month was part, was almost flat. so, this month’s main financial institutions10let’s take a look at the interest rate fixed year.

if the selected type of fixed rate mortgage, the initial interest rate is, of course, after the initial fixed period, anything from over-the-counter interest rate%will you to preferential treatment, requirements will be very important in terms of. this width is greater or preferential treatment, or small, repayment period of rest after the end of the initial fixed rate period the impact will be greater the longer. when comparing the selected type of mortgage is fixed rate, this2interest rate of one (preferential interest rates and the initial width of the future) always make sure to check both the.

also, as in the case of long-term fixed interest rates, you also need to consider fees and guarantee fees. in total payment amount was added to these, but how much is it? how.

this month in terms of interest rates, sumitomo trust & banking co., ltd., and sumitomo mitsui banking corporation2.1%are spaced with. but, sumitomo trust11preferential interest rates after the first year?0.6%because it is, be advantageous to look at the total payment amount you will see. also, shinsei bank, interest rate2.25%is, no fee for guarantee, in the total amount of payment is made in favor.

this month’s mortgage information following page in.

simplify some terms and conditions of asset-building mechanism

2007years10from may, housing finance agency and contact is, terms and conditions of housing loan asset-building has been changed part.

conventional, amount of monthly repayment4that there is a monthly income more than doubled, there is a requirement that, that is, annual income25%could only be such that the repayment of borrowings following. 2007years10from mon, this4monthly income of more than double the requirement that is no longer, the amount of annual repayment of all borrowings, annual income400person of less than ten thousand yen is30%be less than or equal to, annual income400ten thousand yen or more people are35%be less than or equal to, now to the requirement that. this, if there is no other debt, will be able to borrow money became more.

but, this requirement is, if housing finance agency will contact and. as a focal point of another typical housing loan asset-building, zaikeijutakukin’yu inc. (sumikin goods) there are. borrowing requirement of the maximum amount of goods is different sumikin, care must be taken.

(ranking housing loan in the past)
2007years10month
2007years9month
2007years8month
2007years7month
2007years6month
2007years5month
2007years4month
2007years3month
2007years2month

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(full documentation mortgage)
full documentation mortgage