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Finance > Insurance > Home InsuranceInterest rates falling Wholesale Casey Cizikas Jersey , should your refinance your home loan?
Posted by robbinkendy06 in Finance on September 27th, 2016


With banks reducing their base rates, home loan rates will start falling in the days ahead. While this is good news for new home loan customers, people who are already paying home loan EMIs at higher interest rates tend to feel the pinch. Banks and home loan financiers often chase such loan clients to get their loans refinanced in order to reduce available the benefits of lower interest rates and reduce EMI outgo.


The point is banks and HFCs are supposed to extend the benefits of falling interest rates to existing floating home loan customers as well, which usually do not happen and requires lot of applicationsrepresentations to the respective banksHFCs to avail of such benefits.


Under the circumstances, does it make sense to refinance your home loan from another bank or HFC?


Refinancing of a loan means taking a new loan to pay out your current mortgage. There are many reasons homeowners go for a refinance, such as lower interest rate Wholesale Valtteri Filppula Jersey , option of lowering or increasing the tenure of a loan to increase or reduce EMI payments or to shift from a floating rate to fixed rate, or vice-versa.


But loan refinancing is not always a win-win proposition. First of all, refinancing a home loan comes at a charge, which differs from bank to bank. So one must ensure that the savings one makes by opting for refinancing is higher compared with the fee and charges paid to get a loan refinanced.


Generally, it is advisable to continue with the existing loan unless there is difference of at least 0.75-1.00 per cent between the current interest rate and refinancing rate of interest. If one expects a drop in interest rates in the near future, it is advisable to refinance your high fixed rate loans. If you expect rise in interest rates, it is advisable to go for fixed rate refinancing.


Loan tenure is inversely proportional to EMIs. Higher the loan tenure Wholesale Robin Lehner Jersey , lesser the EMI, and lesser the tenure, the higher the home emi calculator. Similarly, the total interest paid is directly proportional to the loan tenure. The longer the tenure, the higher the total interest paid. So if one has an increase in salary, but does not have a substantial amount to go for prepayment, refinancing the home loan at lesser tenure is advisable.


It is also important to see at what stage you are deciding to get your home loan refinanced. If your loan is pretty old Wholesale Brock Nelson Jersey , chances are a vast part of your EMI is going towards payment of the principal amount and a smaller amount is towards interest payment. Whereas in the case of the refinanced loan, your interest outgo will be higher initially. Hence, it might make better sense for you to stick to the old mortgage.


[Source: ]

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by Marzia De Giuli, Song Jian


MILAN, Italy, Oct. 30 (Xinhua) -- China's presence in the Milan world exposition that will conclude here on Saturday was an outstanding one, Vicente Loscertales Wholesale Anders Lee Jersey , Secretary-General of the Bureau of International Expositions (BIE), told Xinhua in an exclusive interview recently.


""The Chinese participation in this Milan Expo is brilliant,"" the head of the organization in charge of overseeing world expos highlighted. Not only there was a number of activities of Chinese provinces. ""In general, I think that Chinese presence in the Expo has been one of the best,"" Loscertales stressed.


China has as many as three pavilions in the six-month event, a national pavilion and two corporate pavilions, Loscertales noted. ""It is the first time that I see a country having such an important and active participation in an expo Wholesale Anthony Beauvillier Jersey ,"" he insisted.


""When you walk around the site and you see the activities, you will see that the percentage of activities of China is enormous. I have not compared which country has more activities, but in any case I do not think there are many countries which have done more for this expo than China,"" he added.


In his view, the Italian event has been a ""huge success,"" looking at the ""millions of visitors who are happy with the Expo and the way the Italian government has been involved, using the Expo as a platform for the development of international relations Wholesale Cal Clutterbuck Jersey , trade, exports and tourism, and also to create a network of countries which are going to cooperate actively with Italy.""


Citizens also lived the Milan Expo with a sense of pride, Loscertales pointed out. ""On Saturday we will close the Expo, and I think we will feel well and see that the mission has been accomplished,"" he said.


He told Xinhua he especially appreciated the ""very special architecture"" of this world exposition, composed of not huge yet very attractive buildings. ""In fact a special element was the protagonist role of national pavilions Wholesale Tom Kuhnhackl Jersey , which were the main attractions of this expo and all had large numbers of visitors,"" he said.


Loscertales said he was impressed by China's national pavilion. ""I think the pavilion has a very attractive shape, which shows China's rural architecture but also is a very modern and functional building,"" he noted.


Among the pavilions that he liked the most there was the World Expo Museum Pavilion, co-built by the BIE and Shanghai Municipal Government, and authorized as the sole official museum and documentation center of the BIE.


Earlier this week, a 25-meter-long wall from the Expo Milano 2015 Wholesale Mathew Barzal Jersey , on which participants pinned a rich diversity of materials, was donated to the Shanghai-based World Expo Museum, which covers a construction area of roughly 46,000 square meters and will open to the public in 2016.


""Yesterday I was visiting again the World Expo Museum Pavilion and I saw the people not just entering and going, but really watching the videos, and that for us means building the future of expos,"" Loscertales highlighted.


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