But the repayment card of the mortgage can be replaced by another bank card of the bank. But it must be the bank card in the borrower's own name. Or change it to a bank card in the name of the same borrower. Other people's bank cards can't be exchanged. It should be reminded that after the replacement is successful, sufficient funds must be reserved in the new card to prevent the bank from being unable to deduct money and affecting personal credit.
What should I pay attention to when buying a house with a loan?
1. Apply for the loan amount according to your own ability.
Generally speaking, the loan amount granted by the bank to the lender is generally determined according to the lender's economic situation and income level, so as to ensure that the lender has sufficient repayment ability and the bank can avoid risks. However, some lenders think that the bigger the loan amount, the better, and even the loan amount is beyond their financial capacity. From the bank's point of view, it is naturally not willing to give loans to such lenders, so everyone should do what they can when applying for loan quotas.
2. Personal credit should be kept good.
It is necessary to keep a good credit record if you want to buy a house with a loan. Personal credit directly affects the bank's evaluation of the borrower's repayment ability. If the personal credit record is not good, the loan may be rejected. At present, credit files mainly include: credit cards, real estate mortgage loans and other types of loans.
3. Make a running account before the loan, and don't change jobs frequently.
When applying for a loan to buy a house, the bank will generally require the applicant to issue an uninterrupted bank running account for more than 6 months, and evaluate the applicant's repayment ability according to these, so buyers should make a beautiful running account for themselves before buying a house. For example, saving a certain amount of money into a bank card every month can improve your loan pass rate.
In addition, the bank will comprehensively evaluate the lender's economic ability level, such as the stability of work and income, so for the lender, frequent job change will affect the loan progress.
4. Don't vouch for others easily
If you vouch for someone, when you need to apply for a loan, the bank will check your and the debtor's credit reports according to the tips in the guarantee information. Only two people have good credit records and no serious overdue repayment can they pass the examination and approval.
5. Submit true information.
The bank will strictly verify the identity of the lender. If false information is found, it is even more impossible to get a loan and apply again in a short time. Therefore, when applying for a bank loan, you should submit real information.
6. The loan amount should be an integer as far as possible.
From the bank's point of view, the workload is usually heavy, and it is customary to approve loans by integers when approving loans. Therefore, the loan amount applied by property buyers should be rounded as far as possible, which is relatively easy to pass.
7. Choose a reasonable repayment method.
At present, there are two main repayment methods of mortgage, one is equal principal and interest, and the other is average capital. Matching principal and interest means paying the same amount of loan every month, adding the principal and interest together; Average capital is the monthly interest generated by repaying average capital and the remaining loans. As for which one is more suitable, it needs to be chosen according to the buyers' own situation.