How to buy a house without money?
1. Borrow money from relatives and friends, and can't afford the down payment when buying a house. My first thought was to borrow money from my relatives and friends. My parents helped me, my two sisters borrowed some, my brother and uncle borrowed some, and my own savings were collected. When buying a house, many people are embarrassed to talk, but it's nothing. I insist that the house thinks that lending you is friendship, not borrowing.
2. With a credit loan, the current credit loan is ok, but the interest rate is higher than that of a credit card, because a credit card has an interest-free period if the rhythm is well controlled, while a credit loan does not.
3. Pay the down payment in installments if you have no money. Now there are developers operating down payment installment. For example, for a down payment of 300,000 yuan, you can only pay 6.5438+million yuan in the early stage, and then the developer can lend you 200,000 yuan, but you need to pay off this 200,000 yuan in 2-3 years, but the pressure is a bit great. The down payment is installment+mortgage+transitional rent+decoration after delivery.
How to buy a house with a loan?
1. The borrower shall submit a written application to the municipal housing provident fund management center, fill in the housing provident fund loan application form, and truthfully provide relevant information. City housing provident fund management center is responsible for the borrower's qualification, guarantor's qualification, loan amount and loan period and the completion of the contract review. After signing relevant contracts or agreements with the Center, the borrower shall handle insurance according to the regulations of the People's Bank of China.
2 loan procedures are completed, the city housing provident fund management center issued a loan approval notice to the bank. After receiving the loan notice, the bank pays special attention to the loan transfer procedures: when buying a house, the borrower can know the loan amount and monthly repayment amount by going to the bank to calculate according to his own provident fund payment. According to the relevant provisions of provident fund management, it is withdrawn once a year.
If you want to buy a house, it is also a good way to handle it by loan, but you should pay attention to the specific handling process. The above is about how to buy a house without money and how to deal with a house with a loan. When handling a house, you must pay attention to the formalities, and you should also pay attention to planning your future income during the handling process.