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第一次卖房，加深理解了“行行有门道”。
因为房子抵押银行，要把余下贷款还完之后才能过户，某壳第一时间展示了服务周到，建议使用他们的金融产品协助我们还款把房子赎回，不过每天是将近1300的利息（千1），封顶12天，差不多是一万多的费用。同时需要把银行卡和密码、征信材料都交给他们。
因为资金紧张，选择了这个服务。也安慰自己，早过户，少还一个月房贷就回本了。
中午才知道，去年3月，银行新增了“带押过户”的服务，即直接将贷款转移给购买方，不仅不需要涉及提前还款，提交材料和手续都简便了很多，这个服务中介是完全清楚的，如果提前告知买卖双方，是可操作的。
除了上述的金融费用，卖方还支付了2个点中介费，买方也支付了1.5个点的中介费，合计差不多8万。
不过知道“带押过户”这个事的时候，已经交易完成。
还是要尊重专业。
From the Files app, scroll down to Internal storage, and tap on WhatsApp. Once you’re there, go to Media and then WhatsApp Stickers. Don’t be surprised if you find a large number of files in that folder—it holds your personal collection of stickers and every one you’ve ever received. Even the bad ones.Tap the three dots in the top right corner of your screen to Select all. If you want to trim the fat and grab only the best of the best, this is the perfect time to do so: choose the ones you want to export by long-pressing one file to activate selection mode, and then tapping on the rest. Once you’re done, hit the Share button (that “less than”-like symbol at the top of your screen). If you have a big collection—more than 500 stickers, for example—it’s possible that nothing will happen when you tap the Share button. Be patient—your phone’s just struggling with a heavy load.On the menu that pops from the bottom of the screen, choose Telegram, and then select the chat named Saved messages. This is a chat only you can see, and it will serve as your sticker bank. Unlike WhatsApp, Telegram doesn’t store your favorite stickers in a quick-access reservoir right beside the typing field, but you’ll be able to snatch them out of your Saved messages chat and forward them to any of your Telegram contacts. This also means you won’t have a quick way to save incoming stickers like you did on WhatsApp, so you’ll have to forward them from one chat to the other.
With Telegram, you can send messages, photos, videos and files of any type (doc, zip, mp3, etc), as well as create groups for up to 200,000 people or channels for broadcasting to unlimited audiences. You can write to your phone contacts and find people by their usernames. As a result, Telegram is like SMS and email combined — and can take care of all your personal or business messaging needs. In addition to this, we support end-to-end encrypted voice calls.
Telegram is a messaging app with a focus on speed and security, it’s super-fast, simple and free. You can use Telegram on all your devices at the same time — your messages sync seamlessly across any number of your phones, tablets or computers.
Telegram is for everyone who wants fast and reliable messaging and calls. Business users and small teams may like the large groups, usernames, desktop apps and powerful file sharing options. You can appoint admins with advanced tools to help these communities prosper in peace. Public groups can be joined by anyone and are powerful platforms for discussions and collecting feedback.In case you're more into pictures, Telegram has animated gif search, a state of the art photo editor, and an open sticker platform (find some cool stickers here or here). What's more, there is no need to worry about disk space on your device. With Telegram's cloud support and cache management options, Telegram can take up nearly zero space on your phone.
Unlike WhatsApp, Telegram is a cloud-based messenger with seamless sync. As a result, you can access your messages from several devices at once, including tablets and computers, and share an unlimited number of photos, videos and files (doc, zip, mp3, etc.) of up to 2 GB each. And if you don't want to store all that data on your device, you can always keep it in the cloud.Thanks to our multi-data center infrastructure and encryption, Telegram is faster and way more secure. On top of that, Telegram is free and will stay free — no ads, no subscription fees, forever.
Yes! Voice calls are currently available to users around the world.
Many modern travelers appear to struggle with managing various aspects of their finances simultaneously while abroad, such as banking, budgeting, investing, trading, and saving. It is important to have apps installed on the device that will help you carry out these necessary tasks.
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