Mortgage, also known as house mortgage. Mortgage is when a buyer applies for a mortgage loan from a bank. For most Baoding people, after buying a house in Baoding, the mortgage will generally be set at 2000-3000 yuan. If you are about 25 to 30 years old and have a stable job, you can use 40% to 45% of your family income for repayment. On the contrary, over 35 years old, the monthly payment does not exceed 30% of the family income. Buyers of this age group are generally married and have children. In order to ensure family daily expenses and children's education expenses, the proportion of monthly payment to family income should be appropriately reduced.

First, Baoding house price

According to the statistics of related websites, since the first quarter of Baoding 20 18, the mortgage interest rates of the four major banks or other small banks have shown a certain upward trend. Taking Bank of Communications and Industrial and Commercial Bank of China as examples, they all increased 10%~25% on the original basis.

Second, Baoding housing loan policy 202 1

1. Buyers who use the housing accumulation fund to purchase houses have the same rights as those who choose houses by lump-sum payment or other payment methods. Real estate development enterprises shall not attach restrictions or conditions in any form to ensure fair house selection.

2. Before obtaining the pre-sale permit of commercial housing, the purchaser shall not be charged the purchase deposit, advance payment and other expenses by subscription, reservation, membership system, fund purchase and wealth management products.

In fact, whether in Baoding or other cities, houses are just needed, and when the economic strength is insufficient, everyone will choose loans. Since then, it is inevitable to embark on the road of back mortgage. According to years of economic analysis, the mortgage interest rate will continue to increase, and it will be bigger and bigger at home in the future. Therefore, if the economic conditions permit, I suggest you buy a house as soon as possible, otherwise the pressure of down payment and mortgage will be increasing.