When buying a house, if you feel the pressure of down payment and want to pay only 20% down payment, the lender can choose to use the provident fund loan. If it is a selected commercial loan, the minimum down payment ratio required by commercial banks is generally 30%.

You can apply for provident fund loans with a lower down payment ratio, and the interest rate of provident fund loans is more favorable than that of commercial loans. If the lender meets the requirements of provident fund loans, then you can apply for provident fund loans, which can really save a lot of interest expenses.

However, there are many restrictions on provident fund loans in various places. The amount of provident fund loans that lenders can apply for is closely related to the payment base and the balance of personal accounts. If there are not many provident fund loans available, the lender can only increase the down payment ratio or choose a portfolio loan.

Of course, the down payment of 20% is only for the loan of the first suite. If it is not the first suite, the minimum down payment ratio may reach 50% when applying for a mortgage, and the regulations in different regions are different. Lenders can do more when applying for mortgage loans.

When many people apply for online loans, they will be told that they are black households with insufficient comprehensive scores. If it is not an overdue black household, then we must find other reasons, such as whether the frequency of applying for online loans is too high. If you don't know, you can consult the information of Lan Bing. As long as you know what causes you to become a black household, you can improve online loan big data according to the reasons.

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Can parents borrow money if the mortgage can't be done?

If the user's mortgage can't be done, parents can apply for a mortgage with the repayment person, and the user's repayment ability will increase, so there is a certain chance of passing the mortgage review.

Or parents directly become the main lender to apply for a mortgage, and users do not participate in the mortgage. After the mortgage is paid off, the property can be transferred to the user.

In short, if the mortgage can't be done, users can find ways to resubmit the mortgage application. As for whether it can pass the audit, the final audit result shall prevail.