What should I pay attention to when buying a house with a loan?
Matters needing attention in housing loan 1. Not everyone can borrow it for 30 years.
At present, the longest loan period is 30 years, and at the same time, it is necessary to meet the requirement that the sum of the loan period for house purchase and the actual age of the borrower should not exceed 65 years old. Therefore, not everyone can borrow it for 30 years. If you are 45 years old, according to the regulations, the longest term of your loan can only be 20 years.
Matters needing attention in housing loan II. The provident fund must have a balance.
Now, the use of provident fund is more and more extensive. However, in the process of payment, you should be careful not to use up your balance. Once there is no money in your provident fund account, your provident fund loan quota will be gone, and you can't apply for provident fund loans.
Precautions for housing loan 3. You'd better not resign before buying a house.
When approving loans, banks need to comprehensively consider the lender's economic ability level, such as job stability, income stability, growth trend and so on. If you resign before buying a house, it may increase the difficulty of loan and affect the progress of loan. Therefore, it is best not to resign before buying a house in order to get a loan smoothly.
Precautions for housing loan 4. Prepare a beautiful bank statement.
When applying for a loan, some banks will require the applicant to issue an uninterrupted bank statement for more than 6 months, and the amount is generally more than twice the monthly payment, so as to evaluate the applicant's repayment ability. If you feel that your running account is not ideal, you can deposit more money in the bank account six months in advance, or provide other financial proof. If married, you can provide a running account of both husband and wife and proof of property under their names.
Precautions for housing loan 5. You don't have to choose a bank designated by the developer.
Some property buyers worry that not using the bank designated by the developer will affect the handling of bank loans. In fact, this kind of worry is unnecessary. There is usually a business relationship between developers and designated banks, and the use of designated banks is also for convenience. If you don't want to handle it in the bank designated by the developer, you can choose other banks.
Precautions for housing loan 6. Average capital reduces interest expenses.
Equal principal and interest and average capital are the repayment methods of loans. The former is to repay the same amount of loans (including principal and interest) every month during the repayment period; The latter is to divide the total loan into equal parts during the repayment period, and repay the same amount of principal and interest generated by the remaining loans in the month every month. In this way, because the monthly repayment amount is fixed and the interest is getting less and less, the borrower is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less.
The above is the loan that Bian Xiao brought you. What should I pay attention to when buying a house? The whole content of matters needing attention in housing loan.