For most of us, buying a house is a major event in life, so there are not many opportunities to get in touch with mortgage procedures. With the rising house prices, we have to use mortgage to buy houses for living or investment, but don't worry, Bian Xiao will give you an explanation about mortgage today. If necessary, please move your fingers and collect them for yourself or your family. Maybe it will be used one day.

1. First of all, pay attention to your mortgage type. The type of mortgaged property also determines whether you can successfully apply for a loan to buy a house to some extent. Therefore, if you want to apply for affordable housing loans, you should pay attention. Many local policies clearly point out that foreigners can't buy affordable housing, so they can't handle loan business.

2. When making a mortgage loan, you might as well pay attention to the interest rate again. When we use commercial housing or affordable housing for housing loans, the first consideration is to use provident fund loans, because the interest rate of provident fund loans is the lowest among all loans, but when signing the agreement, we must see whether the real estate developer and the fund management center have agreed. If so, you can only choose commercial loans.

3. For the second-hand house, if it is used as a mortgage loan, it is necessary to ensure that the house is built within 10 and is the applicant's private property.

4. When signing a house purchase contract, it is also necessary to see whether the mortgage clauses in the contract conform to the relevant national laws and the terms supervised by the state or the industrial and commercial bureau, such as the commercial housing sales contract. Once unreasonable points are found, they should be pointed out and corrected in time.

It has become a common law in the industry that the house with mortgage loan should not be too old and the location should not be too remote. If the mortgaged house is almost uninhabitable or there are great hidden dangers in decoration, it will be impossible to apply for a mortgage loan successfully. And most banks have many restrictions on the amount of loans. You know, houses under 65,438+10,000 are basically difficult to mortgage.

Having said that, I think everyone can sum up a truth. The most important factor of mortgage loan is the liquidity and overall value of the house, so we should conduct a comprehensive investigation and analysis of our house before mortgage loan. If the value is not high, there is no need for mortgage.

Tubatu Online provides you with "every decoration quotation, 1-4 local decoration companies, 3 sets of decoration design schemes" and the decoration pit avoidance strategy for free! Click this link:/Zhu Ye /zxbj-cszy.php? to8to _ from = SEO _ zhidao _ m _ jiare & amp； Wb, you can get it for free ~