The four major money-saving technologies for housing loans also need to be house slaves

March 12th, 2021


For the rigid needs, under the premise of not very good economic strength, they must face the loan problem to buy a house. If you can spend time researching the methods and characteristics of loans to choose a suitable loan plan, you can undoubtedly save more and more real costs of buying a house. So, what are the money-saving tips for buying a house with a loan?


Choose a different bank.

When borrowers apply for mortgage loans, choosing different banks can achieve different savings effects. In the current housing loan market, foreign banks are becoming more and more localized, domestic banks have a stronger sense of competition, and borrowers have more room for remaining Yu’ebao.

The advantage of domestic banks is that they understand the needs of local borrowers. The loan products they sell are suitable for different groups of people, such as state-owned banks, commercial banks, and agricultural credit cooperatives. The creditworthiness of the borrowing is high, and the business locations such as bank branches are dense. Borrowers are easy to repay. The disadvantage is that the details of some domestic bank loans lack humanized services, the business solution is poorly connected to various departments, and the management system and competitive strategy are not mature.

The advantage of foreign banks is that they have a wealth of housing loan products, one-to-one services are humanized, and there are no restrictions on early repayment. The disadvantage of some housing loan policies is the high barriers to entry for customers. Generally, customers with a certain amount of deposits in the bank are required to solve the housing loan business. The borrower’s qualification review is strict, with few business outlets and low localization.

Mortgage to buy a house.

If you want to save money, the borrower can also choose a mortgage. It is recommended that borrowers who use mortgaged real estate to purchase houses should try not to purchase houses in the form of mortgage loans. This is the monthly salary paid for the mortgage loan and the commercial loan. The interest rate of the commercial loan may be doubled, which will put a lot of pressure on the borrower to repay. Borrowers choose mortgage loans and savings on hand, etc., can avoid the housing policy to a certain extent, and it is safer for borrowers to choose mortgage to purchase in full.

Find out how to repay

Choosing the right repayment method can also save the lender’s money. At present, there are three common repayment methods: equal principal and interest, equal principal, and two-week provision. From the point of view of saving interest, provide biweekly>equal principal>equal principal. The characteristics of the three methods of repayment and the applicants have their own characteristics, and the borrower can choose according to his actual situation.

Use provident funds cleverly.

It is recommended that borrowers who have paid full-month provident fund use provident fund loans as much as possible. When buying a house, the provident fund has obvious advantages. Not only is the low down payment easy to review, but the interest rate also has a certain percentage of preferential policies. When using the provident fund to buy policy housing, not only can you enjoy low interest rates, you can also directly pay the balance in your provident fund account.





What is nitrogen reflow soldering and what’s its functionality?

March 4th, 2021

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Nitrogen reflow soldering would be to fill the reflow oven with nitrogen to be able to prevent air from getting into the reflow oven to avoid oxidation on the ingredient ft all through reflow soldering. The usage of nitrogen reflow soldering is principally to reinforce the standard of soldering, to ensure that soldering occurs in an ecosystem which has a pretty very low oxygen articles (100PPM), which can avoid the oxidation of elements. Thus, the primary difficulty of nitrogen reflow soldering should be to make certain that the reduced the oxygen information, the greater.

smt reflow oven

With the boost in assembly density as well as the emergence of high-quality pitch assembly technological know-how, nitrogen-filled reflow soldering procedures and equipment happen to be developed, which have improved the soldering good quality and yield of reflow soldering, and also have come to be the event direction of reflow soldering.

HELLER1936MK5 nitrogen reflow soldering

The advantages of nitrogen reflow soldering: protect against reduction of oxidation; enhance soldering wetting force, speed up the wetting speed; reduce the era of solder balls, prevent bridging, and acquire much better soldering high quality.

The downside of nitrogen reflow soldering is the clear raise in price tag. This enhanced expense improves with all the sum of nitrogen. When you should access 1000ppm oxygen content and 50ppm oxygen material during the furnace, the overall nitrogen content check is from the matching on the net oxygen written content Analyzer, the oxygen written content take a look at theory is always that the oxygen content analyzer is connected towards the assortment point via nitrogen reflow soldering, and afterwards the gas is gathered. The oxygen content material price is analyzed because of the oxygen content material analyzer to acquire the nitrogen articles purity array. There exists not less than one particular nitrogen reflow soldering gasoline assortment issue, and there are actually greater than a few high-end nitrogen reflow soldering gasoline assortment points. The requirements for soldering products and solutions are different plus the demand for nitrogen is quite distinct.

For your introduction of nitrogen in reflow soldering, a cost-benefit examination must be completed. Its added benefits include product or service produce, high quality improvement, reduction in rework or routine maintenance expenditures, and so forth. A whole analysis frequently reveals which the introduction of nitrogen does not maximize costs, on the contrary , But we can easily reward from it. At the moment, liquid nitrogen is prevalent, and you can find nitrogen turbines, plus the choice of nitrogen is a lot more versatile.

Exactly what is the proper oxygen content material in PPM for nitrogen reflow soldering? Practice has proved the wettability under 1000PPM is excellent. 1000-2000PPM is often applied, but many of the genuine use process utilizes ninety nine.99% or 100PPM nitrogen, and perhaps ninety nine.999% or 10PPM. Some consumers are literally using 98% nitrogen, and that is 20000PPM. Yet another stating is the OSP process, double-sided welding, need to be underneath 500PPM when you can find PTH, and the boost in tombstones is caused with the low printing accuracy.

A lot of the at this time used nitrogen reflow soldering is from the compelled incredibly hot air circulation sort, and it’s challenging to regulate the intake of nitrogen using this style of furnace. There are many strategies to lessen the consumption of nitrogen: one is to reduce the opening region of ??the furnace inlet and outlet. It is very essential to use partitions, roller blinds or similar gadgets to dam the unused component of the inlet and outlet place. One other is to make use of the basic principle which the warm nitrogen layer is lighter than air instead of easy to combine. When creating the furnace, the heating chamber is increased when compared to the inlet and outlet, making sure that a organic nitrogen layer is fashioned from the heating chamber, cutting down the quantity of nitrogen payment and Sustain the necessary purity.

Related Links

Tips on how to choose the ideal reflow soldering products


Specific introduction for the composition of the reflow soldering technique

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