What does talent housing mean?
Talent housing refers to the housing built by the national housing (or comfortable living) project. It is a non-profit housing for the majority of low-and middle-income families with loans arranged by the party and the state and self-raised funds by local governments. For poor households below 4 square meters, the sales price is lower than the cost, which is subsidized by the government.
Talent housing, whether it is raised by municipal construction or by district governments or related enterprises, should be implemented on the unified information platform of the whole city from the aspects of planning, project application, supply and distribution, operation and management, so as to realize the interconnection of information such as talent housing property right registration and talent identification, and the whole process can be traced and verified.
What should I pay attention to when applying for a housing loan for the first time?
1, check personal credit in advance.
Banks attach great importance to personal credit information when approving loans. Whether applying for provident fund loans or commercial loans, banks will review the loan qualifications of buyers after receiving their loan applications. If there is a problem with the personal credit information of the buyers, the bank may not lend money.
2. Find out the down payment ratio
Different cities have different requirements for down payment ratio. Due to the strict purchase restriction in some cities, the number of sets directly determines the expenditure of the down payment ratio, and buyers need to distinguish between the first suite and the second suite when buying a house.
In addition, once the buyer applies for a loan, he must prepare a large sum of money. For first-time home buyers, many people spend all their money to pay the down payment. In fact, if all the money is used for down payment, the quality of life of buyers will drop a lot in the future, so buyers should arrange their expenses reasonably at the foreseeable income level.
3. Make a running account in advance.
Some young talents don't work for a long time, and the bank's running water is not so good-looking, but when handling bank loans, the bank will check your running account. Therefore, you must make a beautiful running account for yourself before applying for a loan. There must be a stable amount every month (at least half a year) to pass the bank's audit.
4. Don't change jobs frequently.
The more stable the job, the higher the success rate of applying for a loan. Banks can judge whether the applicant has repayment ability and bank credit risk through the stability of work and income. If you plan to buy a house with a loan, you must not change companies or jobs at will before buying a house with a loan. At least, don't replace it in the first half of the loan to buy a house. Because stable work and income are also important criteria for banks to examine the personal qualifications of loan applicants.
5. Carefully choose the repayment period.
Generally speaking, the repayment period is 20 or 30 years. Don't think that 30 years is better than 20 years. You need to make a reasonable choice according to your own strength, monthly income, household expenses and other consumption situations. To put it simply, the monthly supply in a 20-year cycle will definitely be much larger. If there is no certain economic advantage, it is best to choose 30 years.
6. Optional repayment method
The repayment method is generally average capital with equal interest. Average capital has a large monthly supply in the early stage, and it is very easy in the later stage. This repayment mode is generally unbearable; The repayment of equal interest is fixed every month, and the monthly payment is relatively small. If the personal economic level is unstable or the family expenditure is large, it is recommended to choose equal interest.
The above is the talent housing I brought to you. What do you mean? What should I pay attention to when applying for a housing loan for the first time? Through the above, everyone should have understood the meaning of talent housing. Now you can see if you meet this requirement. If you meet it, your friends can also start preparing for the relevant purchase.