Yes, there are six things to pay attention to when buying a house with a bank loan. Now most property buyers are buying houses with bank loans. So you only need to know some bank loans before buying a house. Pay attention to bank loans to buy a house. Don't use the provident fund before applying for a loan.
If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan. Pay attention to bank loans to buy a house. 2. Don't repay the loan in advance in the first year. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months. Pay attention to bank loans when buying a house. Don't forget to find the bank around you when it is difficult to repay the loan
Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension. Pay attention to the bank loan to buy a house, and don't forget to inform the rental obligation after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing. Pay attention to bank loans when buying a house. Don't forget to cancel the mortgage after the loan is paid off.
When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where the real estate is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged real estate. Pay attention to six bank loans to buy a house. Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the iou are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.
Buying a house loan is the main way for everyone to buy a house now. Mortgage interest rate is a point that everyone pays more attention to. Mortgage interest rates usually include commercial loan interest rates and provident fund loan interest rates. Most of the interest rates implemented in various places are determined, and you need to consult local banks or provident fund centers for details.
It is ok to buy a house after the loan, but you can't mortgage the house. You must have a house to apply for a house loan.
(depending on the regulations of each bank)
Note: When you apply for mortgage in China Merchants, you can apply for a loan from the bank for the down payment (you can't apply for a loan).
If your loan type is not mortgage, apply for a small loan of less than 50 thousand yuan.