Does Haining Ding Qiao have the potential to buy a house?
Haining Ding Qiao has the potential to buy a house, with perfect surrounding facilities, reasonable price and convenient transportation. It is close to Ding Qiao Central Kindergarten/Children's Park, Ding Qiao Town Industrial Center Primary School and Ding Qiao Town Junior High School, Ding Qiao Town Farmers' Market, Haining Hualian Shopping Center, Harbour Supermarket, Haining Rural Commercial Bank/Bank Ding Qiao Branch and Ding Qiao Town Health Center, and only 15 minutes' drive from Haining People's Hospital.
Expressway: G92 Hangpu Expressway Provincial Highway: 0 1 Provincial Railway: Shanghai-Kunming Railway (Haining Railway Station) Subway: Hanghai Intercity Railway (under construction) Bus Station: Ding Qiao Town Bus Station of Haining Passenger Transport Center. The quality and safety problems of the house mainly include whether there are cracks in the house, whether there is inclination and subsidence, whether the material and structure of the house meet the design drawings and so on.
Matters needing attention in housing loan
First, apply for a loan amount according to your ability.
When applying for personal housing loans, borrowers should make correct judgments on their economic strength and repayment ability, and at the same time make correct and objective predictions on their income and expenditure.
Second, choose a good loan bank for mortgage.
For borrowers, they can choose their own loan banks to buy existing houses or second-hand houses. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.
Third, choose the repayment method that suits you best.
At present, there are basically two ways to repay personal housing loans: one is equal repayment, and the other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.
Fourth, the information provided to the bank should be true.
To apply for personal housing commercial loans, banks generally require borrowers to provide proof of economic income. For individuals, true proof of personal occupation, position and economic income should be provided. Because if your income doesn't reach a certain level and you don't have enough repayment ability, but you exaggerate your income level, then you are likely to default at the beginning of repayment.
After the above knowledge, I understand that there is potential to buy a house in Ding Qiao, Haining. This place has rights, because the surrounding facilities are relatively perfect, the transportation is convenient and the price is reasonable. If you buy a house here, you can sell it at a high price in a few years, then you can make a profit from it, and you can also know what the precautions for buying a house loan are.