So what should you uphold in choosing an electric car and a motorcycle?

Theoretically, branded products are more electric motorcycle manufacturers reliable in principle than non-branded products, so when buying a car, it is best to identify branded products so that the quality of the adjuster is safer.

02 comparison store, of course, even to identify branded products, whether it is a motorcycle or an electric car, there are more than 10 brands to choose from in China. While it is not necessary to research all brands, it is still necessary to "comparison store" and the more you look, the easier it will be to pick out the best deal.

03 Remember that "ten cheap nine times", in fact, most brands of product pricing is a combination of market, cost, competitive pricing for reference, so it is basically impossible to "pick up a leak", and some low prices, apparently the price is lower than the market price, often just some "when", so do not blindly covet cheap when choosing a car.

Conclusion: In fact, there is no national standard answer to the question of who is a better value for money for electric cars and motorcycles, and it all depends on whether the students themselves need its advantages and can ignore its disadvantages.

Posted by: racheles at 08:37 AM | No Comments | Add Comment
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Real estate has always been a rigid demand of the masses in our country, and it is no exaggeration to say that buying a house is the first big dream of many people who work hard to break through, especially for young people of marriageable age, buying a house is also the larger daily life requirements encountered. Even for those who do not have the ability to buy a house at this stage, there are still plans to buy a house in the next five years. For example, is it better to buy a house with full payment or with a loan? Is it better to pay more down payment or less down payment? If you want to take out a loan, should you choose a longer term or a shorter term? In the end, it is good to choose equal principal, or equal interest repayment? Here, we will analyze one by one.

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1, full payment to buy a house is good, or a loan is good?

In fact, if it is for young people, especially for young people who are buying their first home, there is no doubt or loans to buy a house will be more relative. Why do you say that? The reason is that the housing loan can be described as a kind of housing benefit from the financial institution to the general public, and is also a larger amount of equity financing that the general public can touch in their own name.

Some people feel that the loan will have loan interest, so they always want to save money to buy a house. But the fact is, the price of the house is very high, the decision to save money will be longer, and in this long time, the rate of saving money is likely to be far less than the increase in the price of the house. The actual loan method can be used to make a down payment at a small cost, and then pay the housing loan in the middle and later stages according to the overall plan, and finally enjoy the housing benefit early. It can be said that for people who do not have particularly rich assets on hand, a loan to purchase a home is a more specific and stronger method than purchasing a home in full.

2. Is it better to have more or less down payment for purchasing a house?

The key here is to distinguish based on one criterion, namely whether the house has the potential to increase in price. If we distinguish a real estate has a certain development potential will be substantially increased in the middle and later stages, and in fact, they have sufficient assets overall strength. Then this time, you can divide that great asset into what plus a smaller down payment, according to the loan each buy two a suite. Until the house price increases in the middle and later, then the rate of return will be doubled. This will be more cost effective.

On the contrary, if you feel that the house price rise development potential is more limited, then in the case of the amount of money allowed is more suitable to pay more down payment, so that the later stage of the loan work pressure will be smaller, the financial burden is not easy too heavy.

3, a longer loan time is good, or a shorter good?

I think that a longer loan time will have more advantages. At this stage, it seems that most home buyers are picking a longer loan cycle time of 30 years. We know that at this stage of the credit money period, the money will certainly slowly fall in value along with the inter-temporal changes, and the purpose of picking a long loan repayment cycle time, longer loan term is to better enable everyone to borrow money, the value of its use can be more and more "worthless" with the passage of time.

4, the loan is to choose equal principal good, or equal principal and interest repayment good?

In-depth analysis of the two conditions, equal principal is mainly early repayment of more, in the late repayment of less; and equal interest repayment is every month to pay as much, but early compared to equal principal, the amount of loan repayment to less and less. Therefore, for people who usually have more expenses, the loan repayment method of equal principal and interest repayment is more suitable, because the monthly payment is less stressful to work.

Posted by: racheles at 07:51 AM | No Comments | Add Comment
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