在申请房贷时,有些人会很容易批下来,而有些人则会发现,自己的房贷利率比别人高出不少。银行人士提醒,相对于贷款市场报价利率对房贷利率的影响,其实个人信用记录对房贷利率的影响要更大。

浙商银行首席财务官 景峰:底线的要求我们基本都是按照当地(最低利率),但是其实具体到每笔业务上,起决定性作用的,还是客户他自身的信用资质,所以这个得因人而异。

景峰介绍说,目前各地银行公布的房贷利率,其实只是实际发放贷款利率的下限,也就是最低值,如果你信用不好,往往得不到最低的房贷利率。

一般来说,有贷款没有按时归还的记录,就会直接影响个人征信。你在任何一家金融机构的违约记录,都会被上报到央行的征信系统里。下次,无论你在哪家银行申请房贷,银行都会根据这个不良信用记录,提高房贷利率,甚至是拒贷。最常见的不良信用记录就是信用卡逾期。

兴业银行计划财务部副总经理 官文元:有些消费者信用卡刷卡消费的时候,比较潇洒,但在还款的时间里,忘了还款,过了还款期,之后也把钱还上了,但是这样也会形成一个不良的信用记录。

银行人士还提醒,在等额本息还款模式下,如果你签的房贷重新定价周期是一年,那么一年内无论市场利率怎么变,每月的还款额都是不变的。但是当第二年的定价周期到来时,房贷月供就可能会发生变化,这时就要关注一下变化后的还款额,以免因还款不足影响自己的信用记录。

冬天一到,东北家家户户都在干什么?大概都得腌酸白菜吧。也许现在生活改善了,人们已经不像以前冬天只能吃大白菜了,所以腌白菜这种习惯,也逐渐远离了我们的生活。东北人在冬天有制作酸白菜的习惯,我的父亲来自东北,所以每每一到冬天,我就会看见父亲去买大量的大白菜回来,放在大缸里制作成美味可口的酸白菜。而这些白菜也是以前我们在冬季里的主菜。酸菜可以干很多事儿,可以拿来凉拌、也可以拿来做汤,还可以拿来包饺子。对于东北人来说,酸白菜几乎无所不能。只要你想得到的,就都能拿酸菜搭配。虽然这个岁月离我已经远去了,但是冬季来临,在大白菜上市的时候,我还是喜欢自己制作一些酸白菜来吃。而且现在不像从前,大白菜几乎在一年四季都能买到了,确实比以前方便多了。想做酸白菜,那随时都可以动手。

【腌酸白菜】

【食材】白菜、大粒盐

1.首先把大白菜从中间破成两半。

2.然后仔细检查一下大白菜的内部,有没有坏了的地方。因为有许多大白菜表面看来比较光鲜亮丽,但是内部有变黄发烂的情况,这种白菜就不要使用了。

3.把大白菜的叶子一片片劈下来,用清水冲洗干净。

4.国内先放一锅清水,然后大火把水烧开。

5.把大白菜放在开水中烫一下。

6.然后把大白菜捞出来沥干水分。

7.腌大白菜用大粒海盐比较好。

8.把盐均匀地撒在烫好的大白菜上面。

9.用盐把大白菜腌制大约两小时,白菜里面的水分就被腌出来了。

10.做酸白菜最好就用这种大缸,以前家家户户都有,现在可能越来越少了吧。我们家还藏有一口大缸,把白菜放入缸内。

11.最后拿一块大石头把所有的白菜压住,让白菜浸没在盐水中。这样盖上盖子,等上个把个月酸酸的酸白菜就做好了。这么一大缸的酸白菜,足够全家吃上好久了。而且冬天买大白菜很便宜,这么腌好的一缸酸白菜,可比你去外面买便宜多了。

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