How to choose a mortgage to save money

1. To avoid fixed-rate mortgage
Era has come to cut interest rates, the new process can choose a floating interest rate mortgages have a fixed loan for the buyers choose to switch to loans, deposit and loan interest rates can be reduced to solve the negative effects.
Recently, some banks have fixed interest rates for mortgages, and the duration of fixed-rate loans more than 1 year in the customers, to pay certain liquidated damages in the circumstances, may apply to do floating-rate mortgages. Fixed-rate loan in 5 years or more, are exempt from penalty.

2. The interest rate curve, start early repayment subtraction
For the next few years, the possibility exists to continue to cut interest rates, it is recommended to prepare ahead of time to slow down the pace of repayment of the women, if there is sufficient cash on hand to repay in advance, then might as well do something else more worthwhile investment, in many cases, "To search for more than 5% rate of return of investment channels is not too difficult." Do not see the news as soon cut interest rates to judge, we should wait before making a decision after a period of time.
Even in the era of interest rate increase from the fiscal point of view, also not in favor of "family home" for business loan repayment ahead of schedule because of family assets have a certain debt ratio will increase the liquidity of assets and value-added.