1. Evaluate the family's economic strength and income and expenditure.
The first step in buying a house is to consider your own economic strength. First, the minimum down payment of 30% is a very serious problem, followed by the monthly payment after the loan.
The money spent on the house is a long-standing problem, which is definitely closely related to one's own life. Therefore, it is necessary to make a simple assessment of whether the loan to buy a house has an impact on your family life.
Mainly consider whether you have the ability to protect your living, medical care and education expenses after paying the down payment and paying the monthly payment on time, and then choose whether to borrow money to buy a house. The amount and duration of the loan should be considered.
2. Calculate your repayment ability in advance.
After considering the strength of the family, calculate your repayment ability, because repayment ability is an important basis for determining the level of loanable amount.
If your estimated repayment ability is limited and you have no confidence in repaying the loan on time, it will seriously affect your future life and cause an imbalance between income and expenditure, then it is a slightly redundant thing to buy a house with a loan. Moreover, the expenditure needed to buy a house is not only on the house itself, but also on the decoration after delivery, which is also a very high expenditure.
3. Make sure your bank flow is stable.
Whether you can get the approval of bank loans, in order to get bank loans in time, you should also pay attention to your own bank flow.
Generally speaking, bank loans need to provide bank flow for more than 6 months. Stable and effective bank flow is not only the representative of personal financial ability, but also an important basis for banks to approve loan quotas. Therefore, in order to obtain bank loans, reduce the pressure of buying a house and ensure a stable job and a mobile bank, it is also a very important step.
4. Extend the loan term as much as possible.
As we all know, loans are limited in terms of years. If you want to reduce the repayment pressure, the best way is to extend the loan term as much as possible and reduce the monthly repayment pressure.
Of course, people with financial knowledge can also analyze the interest rate of housing loans and choose the appropriate loan term according to the financial knowledge of banks. For the general public, as long as the loan qualification is qualified, the age of the lender is no problem. Usually, the loan is to choose the longest loan term, or you can choose to repay in advance in the future.
5. If you use provident fund loans, you should pay attention to making your provident fund conform to the local loan policy.
At present, there are two ways to buy a house by loan, one is a commercial bank loan and the other is a provident fund loan.
If you can choose provident fund loans to buy a house, I believe more people will be willing to choose, because provident fund loans are far more favorable than commercial loans, which can alleviate many pressures on buying a house. However, before you decide to use provident fund loans, you must understand the policy of provident fund loans, ensure that your provident fund has not been paid off, and allow developers to use provident fund loans.
6. Pay attention to the age when buying a second-hand house.
Buying a house by loan is not only influenced by the lender's own factors, but also by the house itself. If the house is too old, the bank may not approve too high a quota, and it will not lend for too long because of age when reviewing the house. As a result, the pressure on buyers to buy a house is much greater.
(The above answers were published on 20 17-08- 14. Please refer to the current actual purchase policy. )
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