Baiju Second Mortgage

Mortgage loans under the Home Ownership Scheme for unpaid premiums are quite complicated. Here you can learn about the guarantee period, term, percentage, interest rate and rebate of HOS flats.

HOS Guarantee period

The government guarantees all HOS units for 30 years. If the owner 綠表居屋按揭 the supply during the guarantee period, the government will return the money to the bank. The guarantee period is calculated based on the first sale date. If it is a new HOS flat, the guarantee period is 30 years. If it is a second-hand HOS flat, assuming that the first sale date is 5 years ago, the remaining government guarantee period is 30-5 = 25 years.

Mortgage period

In white and green forms, the current maximum repayment period for first-hand HOS flats is 25 years. For second-hand HOS units, the actual term of the mortgage depends on the remaining term of the government guarantee term.

Mortgage ratio

The green ones are up to 95% of the HOS mortgages, and the white ones are up to 90% of the HOS mortgages. However, for second-hand HOS flats, the actual mortgage ratio will vary depending on the remaining period of the government guarantee period. The bank has a "log sheet" that shows how many mortgage periods can be achieved in each combination of guarantee period and mortgage percentage.

Mortgage interest rate and rebate

Home purchase plan mortgage loans can only be made at the best loan interest rate p specified in the plan, not mortgage loans specified by the government h. The current best HOS mortgage interest rate is p-2.75%, and the actual mortgage interest rate is 2.5%. As for the mortgage rebate for the new home ownership scheme, in addition to the bank rebate, those who apply for a mortgage through Star Valley can receive a cash reward of up to 1.7%. Do you want to know the best mortgage plan?

The "White No. 2" market has been very hot since June. Although the shoot merchants come and go in a hurry, they are eager to enter the market without understanding the laws of the market. They are likely to be hit by a landmine. The future owner must first understand the following mortgage volts before entering the market, otherwise this may be a waste of a once-in-a-lifetime golden opportunity!

What is the upper age limit for HOS mortgage applicants?

In the past, when the economy was stable, some banks tried to calculate the repayment period based on "applicant age minus 109 years", which meant that 90-year-olds could also repay mortgages in 19 years. However, this measure has recently been tightened, and the reduction of 109 is limited to one hand. If it is a second-hand home ownership scheme, the prospective buyer is over 90 years old, or can only get a 10-year mortgage. Some big banks even only use 25% off, so it’s important to shop around.

Posted by: onlyress at 08:14 AM | No Comments | Add Comment
Post contains 492 words, total size 3 kb.

1. do not easily lose their temper

Can not control their temper, may offend others, so that the future work more difficult, so the rich people will generally hide their temper, never easy to get angry. Always show emotions in front of others, people are often not stable enough.

2. Spend money without diluting the door

蔡加赞 Money is earned, not saved up, so to become rich, the first thing to change the concept of consumption.

So the rich never stingy when spending money, high investment means high return, although there is a certain amount of high risk, but, insurance business certainly can not earn big money.

3. Modestly listen to advice

Most people are powerful, and most people are wiser. Therefore, in our work, we should listen to other people's suggestions. Brainstorming can make our ideas perfect, check the deficiencies and fill in the gaps in time.

So those who can do great things, they are very willing to listen to other people's ideas, hoping that others to give their own more advice, the bossy people usually do not want to listen to others to give their own advice, such people are very difficult to succeed, you will not earn real money.

4. good at summing up experience

There is a saying that failure is the mother of success, meaning that we have to learn from the failure, and then avoid stepping on the mines, so as to succeed, but many people are unable to put this into practice.

Because in the process of doing things, few people can summarize the accumulated experience in a timely manner. People who are not good at summarizing their experiences will always stand still and have to give up.

Posted by: onlyress at 09:24 AM | No Comments | Add Comment
Post contains 295 words, total size 2 kb.

Charcoal Smokeless Barbecue Grill

Carbon dioxide is released during the burning process of charcoal, which is colorless and odorless. In addition, charcoal burning, itself no smoke. Ordinary barbecue grills will have smoke when making products, because when making products oil and seasonings will fall into the charcoal fire.

Gas smokeless barbecue grill

The general use of Chinese stainless steel stove 廚房焗爐 body, through the enterprise electronic technology pulse for ignition, the use and LPG or natural gas combustion, heat to heat the way above the four independent high-temperature crystal red gas heating plate and then baked food on the iron plate. Look at the energy-saving component analysis control, electronic system pulse switch can also effectively control the size of the fire can come is to control the temperature of the iron plate with practical functions convenient.

Electric smokeless barbecue oven

The heat source acts directly on the food in the direct-fired electric barbecue grill. When the food is grilled, the fat will immediately drip down. There is no repetitive penetration of oil, which means there is no frying or deep-frying process, so the food contains less fat and the grilled food has a true grilled taste.

Smokeless electric grill role

1, can be used for breakfast, bake some bread, doughnuts, buns, fish bait, glutinous rice cake, baked out of a special flavor! With milk, soy milk and porridge, a wonderful breakfast is ready, isn't it very pleasant? The above barbecue generally does not need to clean the stove, saving time and convenience.

2, the main meal, grill one or two dishes with, is not a difficult task, grilled a few skewers of meat, grilled a fish, grilled two pieces of stinky tofu, or grilled three chicken wings, or grilled a small plate of melon, grilled a few leeks, or grilled an eggplant, large spicy seeds can be used for cold, are very simple and convenient.

For the catering industry: as long as the street, randomly grilled lamb skewers, tofu, milk powder, sold as snacks, dinner can be used to make special dishes, grilled fish, grilled stinky tofu, grilled beef, pork chops ... Delicious, unique, just like a chef with harmless barbecue. Sure to be a big hit.

Posted by: onlyress at 10:30 AM | No Comments | Add Comment
Post contains 372 words, total size 3 kb.

Eat a healthy meal a few hours before you sing. Eat enough food an hour or two before the show starts to keep you energized. Don't eat too much. A full stomach will limit your diaphragm. And avoid eating foods that are too tasty.

Drink some water before the show.

Drinking plenty of water will keep your throat hydrated. Keep the water 歌唱表演 warm because if it is too cold, your vocal cords will constrict. Don't drink too much water a few hours before the show so you don't have to go to the bathroom.

Avoid alcohol, dairy products and cold drinks, all of which can make your voice sound worse.

A little physical activity can help you relax. Do some light stretching or jogging for a few minutes; relax your jaw and tongue; do some stretches for your back and abdomen.

A good stretch is a back bend. Place your hands on your lower back and gently bend your neck with your inner spine back.

Warm up your voice with lip trills and scales. Lip trill. Make a br sound. Sing the scales with your lip trills. Don't exceed your preferred pitch. Humming is another good exercise. You can warm up your voice by humming.

Take a deep breath and get rid of any tension that you can't get rid of. Take a deep breath, relax, and let your body open up. If you notice any tensions, you can feel them, but don't indulge them. As you breathe out, imagine them slowly leaving your body.

Remember why you are singing. Think about the compliments you get and remind yourself why you sing.

Tell yourself that singing is fun for you and that your voice is perfect for the audience.

Posted by: onlyress at 10:29 AM | No Comments | Add Comment
Post contains 296 words, total size 2 kb.