The house price is so high and the wallet is so flat, but you still have to buy a house! At present, the loan to buy a house has become the first choice for the majority of buyers. However, many property buyers have little knowledge of the loan to buy a house, which will only make them lose both money and housing. So what do you need to pay attention to when buying a house with a loan? In Bian Xiao's view, the following seven issues must be thoroughly studied when buying a house with a loan, otherwise don't buy it.

First of all, we should choose a good loan bank.

Generally speaking, different banks will have different loans when buying a house, such as down payment ratio, loan conditions, loan amount, loan term and so on. Therefore, buyers should choose a good bank to buy a house with a loan. The so-called good bank is a better bank with deposits, so it is usually easier to grant loans and there will be various concessions.

Second, we should calculate the loan amount.

The higher the loan amount, the better. You know, the higher the loan amount, the greater the monthly repayment pressure, and the more interest you pay. Therefore, the loan amount should be appropriate and should not exceed one's affordability.

Third, the loan interest rate should be clear.

Generally speaking, loan interest rates are divided into fixed interest rates and floating interest rates. If the buyers think that the interest rate will continue to rise in the future, then it is best to choose a fixed interest rate when applying for a loan, so as to avoid the cost risk caused by the interest rate increase. If the buyers think that the interest rate will be lowered in the future, then it is best to choose floating interest rate when applying for loans, which can reduce interest expenses.

Fourth, the down payment follows the principle of leniency.

Some buyers will choose to pay more down payment and less loan when buying a house, so they will spend all their cash. In fact, this practice is very unwise. Bian Xiao suggested here that some funds should be set aside for house decoration and purchase. Therefore, property buyers must pay attention to the principle of leniency.

5. Make good use of the provident fund.

Public housing, provident fund loan interest rates are very favorable, so when buying a house with loans, you can make maximum use of provident fund loans to buy a house. If it is not enough, you can also use commercial loans, which can save a lot of interest.

Sixth, the ability to repay the mortgage should be clear.

The loan repayment ability determines the loan amount. If the loan repayment ability is insufficient, the loan applicant will not be able to obtain the loan. Therefore, the repayment ability should be clear, and possible changes in income and expenditure, such as children's education expenditure and family unexpected expenditure, must be considered when calculating the budget.

7. Overdue repayment is not allowed.

After buying a house with a loan, the loan applicant must pay attention to repayment on time every month. If the repayment is overdue, it will not only pay a fine to the bank, but also affect the personal credit information, so the loss is irreparable.

To sum up, although buying a house by loan can help house slaves solve the housing problem, if they can't repay the loan on time, the consequences can be imagined. Therefore, Bian Xiao once again reminded the house slaves: Before buying a house with a loan, we must thoroughly study the above seven issues, otherwise don't buy it.