Proof of income can be forged.
Some people's income does not meet the requirements, so they want to get away with it by making false income certificates.
The consequences of handling false income certificates are very serious. First of all, for borrowers, if they are caught by banks for issuing false income certificates, they will not be able to pass the loan review, and they will also bear serious legal risks. Even if approved, in the face of late repayment pressure, the house will also face the possibility of being taken back by the bank. The more serious consequence is that borrowers defraud bank loans with false income certificates and are also suspected of defrauding loans.
Second, you can't apply for a loan if you have a bad credit record.
This is a common misunderstanding of buying a house with a loan. Although credit banks mainly consider personal credit records, it does not mean that a person with bad credit cannot apply for credit loans. If the borrower is overdue several times and the amount is small, the bank will lend at its discretion, but it may raise the loan interest rate and reduce the loan amount.
Third, choosing small and medium-sized banks will definitely save money than the four major commercial banks.
In the eyes of many people, the four major state-owned banks are full of arrogance, and their loan business is neither flexible nor expensive. It is cheaper to choose small and medium-sized banks. However, on this issue, specific case analysis is needed.
The amount of deposits in small and medium-sized banks is unstable. It is often more convenient to apply for loans when you have more money on hand, but once the quota is almost used, the application procedure will be very troublesome. Relatively speaking, the four major banks have abundant funds on hand and all measures will be relatively stable.
Fourth, provident fund loans must save money than commercial loans.
We must pay attention to this point when considering the loan to buy a house, because the interest rate of general provident fund loans is lower than that of commercial loans, and most people think that provident fund loans are more economical than commercial loans. In fact, commercial loans and provident fund loans are different in terms of insurance premiums.
For commercial loans, as long as they are not commercial properties or residential buildings with a long service life, banks generally do not require lenders to purchase insurance. If it is a provident fund loan, it is generally inevitable to buy insurance. The insurance premium is generally 0.02% of the loan amount * loan service life *. If the two are offset, the advantages of provident fund loans will be even smaller. Therefore, if the loan amount is small, it may not be more economical to choose provident fund loans.
5. The longer the mortgage term, the better.
Some buyers think that the longer the loan period, the better. In fact, the longer the mortgage term, the more interest they pay. The loan term needs to be determined according to its own economic conditions and other factors. Long term is not suitable for everyone.
6. The earlier you repay in advance, the more you save money.
Some property buyers have sufficient funds at hand, and think that the sooner they repay in advance, the more money they will save. In fact, it is not cost-effective in some cases.
For example, the mortgage interest rate has already enjoyed a 20% discount, or the loan method is a provident fund loan. Under the current interest rate situation, it will be better if the money repaid in advance is used to buy wealth management products with higher returns. And if the repayment period has passed 1/2, most of the interest has been paid off, and the remaining mortgage is basically the principal, so it is meaningless to repay in advance.
(The above answers were published on 20 17-08- 14. Please refer to the current actual purchase policy. )
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