1. What does it mean to increase housing loans?
Housing loan, also known as "mortgage" loan. As the name implies, the lender needs to go to the bank to apply for a loan to extend the original mortgage period or increase the original loan amount. However, an individual applying for a loan needs to be between 18 and 60 years old and have full capacity for civil conduct.
Second, what should I pay attention to when handling housing loans?
1. Before you apply for a loan, you need to look at your income to determine the loan period and the loan you need to repay each year. Generally speaking, the monthly loan that an individual needs to repay cannot exceed 50% of his salary, so as to ensure a normal life. It would be easier if both husband and wife paid the loan together.
2. Before handling the housing loan, we should know that the interest rate of the loan belongs to the floating interest rate, that is to say, under the control of the state, the increase or decrease of the interest rate of the People's Bank of China will affect the increase or decrease of the personal loan repayment amount in the later period. Therefore, lenders should pay attention to prevention and avoid the increase in loan repayment in the later period, which will affect home life.
3. In the process of repayment, even if individuals have difficulties in repayment, never take the initiative to extend the repayment time. It is best to go to the bank that handles the loan and apply for an extension of the loan period. Moreover, after the bank investigation is true, the repayment period will be appropriately extended.
Here first introduce the significance of increasing housing loans and matters that should be paid attention to in handling housing loans. You got it? On the basis of the original mortgage, it is very helpful for the lender to increase the housing loan, refinance or extend the loan term.