1. The sooner you repay in advance, the more you save money?
Many mortgage borrowers think that the sooner they repay, the more they can save money, but in fact, it is not cost-effective in all cases, for example, the mortgage interest rate enjoys higher concessions, or the yield of investment and wealth management products in their hands is higher than the loan interest rate, or the repayment period is over half ... In these cases, prepayment cannot save money.
2. Can I only apply for a loan with my ID card?
Before the loan, many people will inquire about the materials needed for the loan, while some people think that they can apply for the loan only through their ID cards, especially now it seems tempting to apply for "unsecured loans" and "low-interest loans" with ID cards, claiming that they can apply for loans quickly without other materials. In fact, banks or other financial institutions will first consider the borrower's repayment ability when approving the borrower's materials. The ability to repay cannot be proved by ID card alone. Therefore, regardless of any loan method, even if it is the least unsecured loan, the borrower must prepare personal income certificate, work certificate stamped with the official seal of the company and other materials if he wants to successfully apply for and obtain the loan. Different banks require different materials for loan types, so borrowers need to inquire and prepare materials in advance. If the borrower wants to apply for a loan,
3. Can't I apply for a credit loan with a bad credit record?
Credit loan banks consider personal credit records, but it does not mean that individuals with bad credit cannot apply for credit loans. If the borrower is overdue several times and the amount is small, the bank will still lend at its discretion, but it may raise the loan interest rate and reduce the loan ratio.
4. Is provident fund loan more cost-effective than commercial loan?
Provident fund loan is a kind of policy loan, and the interest rate is generally lower than that of commercial loans, so most people think that provident fund loan is more cost-effective than commercial loans, but it is not necessarily so. With the gradual reduction of the benchmark interest rate of commercial loans, the interest rate advantage of provident fund loans is also decreasing. If the loan amount is not large, choosing provident fund loans may not save money.
5. How much can I borrow?
Many people think that they can borrow as much as they want from provident fund loans, but they are not. Generally speaking, the amount of provident fund loans needs to be calculated according to the income of buyers, the amount and proportion of provident fund deposits, and the amount of provident fund loans cannot exceed the local maximum limit. In addition, the withdrawal amount of the provident fund cannot exceed the total purchase price.
Although the loan to buy a house has been "bound" for decades, it has also reduced the pressure on most people to buy a house. In order not to add trouble to yourself and increase the economic burden, we must understand some misunderstandings in buying houses, be cautious and don't be fooled again.
(The above answers were published on 20 16- 12-25. Please refer to the actual purchase policy. )
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