How to choose a bank for buying a house loan
1, choose a big brand:
For customers, brand bank means that this bank has a good reputation in the industry all the year round, diversified financial products and professional, efficient and high-quality services, and the later services are more secure. It is best for buyers to choose brand banks with high reputation, safe capital and good service quality, such as the five major banks.
2. Look at the bank interest rate:
Although the benchmark interest rate of bank loans for more than five years is 4.9%, due to the different enthusiasm and policies of real estate executives in different cities, buyers will face the problem of raising interest rates when buying commercial houses or second suites, so buyers should make more comparisons and choose the one that is more suitable for them.
3. See liquidated damages:
Some banks not only have liquidated damages for overdue repayment, but even some banks will charge liquidated damages for customers' partial prepayment, which is very stressful for customers who want to save interest through partial prepayment. Therefore, when comparing banks, be sure to ask the limit of liquidated damages so as not to get bored.
4, look at the additional cost:
In addition to the monthly principal and interest, the loan cost also includes handling fees and other miscellaneous fees that buyers need to consider. General mortgage needs to pay property insurance premium and mortgage registration fee. Therefore, property buyers should know the extra cost when consulting the interest rate, so as to clearly analyze the loan cost.
5. Look at the preferential threshold:
The loan threshold of each bank is different, and the preferential threshold is naturally different. Usually, banks have certain requirements for customers who want to get preferential interest rates on loans, but not everyone can enjoy preferential interest rates or enjoy the lowest interest rate discount.
Housing loan application materials
The borrower's valid ID card, household registration book, and proof of marital status. Unmarried persons must provide unmarried certificates, and divorced persons must provide court civil mediation papers or divorce certificates (indicating that they have not remarried after divorce); Married people are required to provide their spouse's valid ID card, household registration book and marriage certificate; The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); Certificate of real estate ownership; Guarantor (ID card, household registration book, marriage certificate, etc.). Is required)