All our loans have interest costs. At present, for first-time home buyers, banks generally have interest rate concessions. Choosing bank loans with favorable interest rates can save capital costs. This is what our buyers value most.
2. Is the loan easy to approve?
Our buyers are most concerned about loan approval, which is directly related to the smooth purchase of our house. If the loan approval time is too long, it will prolong the time cost of our house purchase and consume energy. More importantly, if the approval is not passed, the impact can be imagined.
3. Whether the prepayment process is smooth and the expenses are appropriate;
Some banks have many and complicated procedures for prepayment, which wastes us a lot of time and cost. And generally speaking, banks have to charge some fees for prepayment. When choosing a bank, it is necessary to know the items and expenses of prepayment in advance.
4. Brand and after-sales service of the bank:
Choose a big bank loan with good quality. A bank with good quality is guaranteed in terms of service, demand response and after-sales solution.
What if the bank doesn't have enough water?
1, increase by * * * Same as that of the lender:
For married people, if a person's running water is not enough to apply for a loan of the target amount, you can increase the number of lenders. If both husband and wife meet the requirements of the bank, they can also apply for a loan.
2. Provide guarantee certificate:
Some banks allow borrowers to provide valid guarantee certificates and income certificates issued by their units. If it can be proved that the comprehensive repayment ability meets the loan requirements, the bank will also lend money. However, due to different banking policies, specific banks should be consulted first in this way.
3. Increase the down payment:
This is the last method. If the bank can't meet the requirements and can't provide other certificates, it can only increase the down payment ratio and reduce the loan amount to its repayment ability.
When do you apply for a loan after signing the contract?
According to the usual situation in real life, according to the relevant requirements of banks, loan types, houses, owners and buyers, prepare the documents needed to apply for loans in time, and urge banks to enter the market as soon as possible for filing, and then issue loan agreements as soon as possible. This loan agreement usually takes three days to one month.