After buying a house with a loan, you can judge whether you can change the terms of the loan. In other words, the personal repayment method cannot be changed when buying a house. The repayment method has been clearly defined in the loan contract, which consumes manpower, material resources and energy. From the perspective of income, the equal principal and interest repayment method is higher than the total interest of the average capital, and the bank obtains

There are other ways to repay the mortgage. Under the same loan amount, fixed number of years and interest rate, the total interest of average capital is more than the interest of the same principal and interest. There are two main reasons for buyers who want to change the repayment method:

First, when buying a house, the economic ability is limited, so I have to choose the equal principal and interest, and the total interest is higher. I want to change the equal principal and interest to the average capital. Second, some people don't know the difference between the two repayment methods when applying for loans, and then they know the advantages and disadvantages. : The borrower and its responsible person should also be specially examined. In order to alleviate the situation, the responsible person should also be specially examined. When granting loans, financial institutions should not only examine the qualifications, conditions, investors, legal representatives and control of borrowers, but also include:

(a) the chairman, general manager, factory director, manager and other key personnel who have gambling, drug abuse, whoring, keeping mistresses, frequenting dance halls, saunas and luxury cars disproportionately, and often renting luxury hotels must be strictly controlled.

(two) loans to family business groups or companies must be strictly controlled. The so-called family group or company means that the main leaders of the group and its subsidiaries or branches and the main leadership positions within the enterprise are all or mainly composed of blood-related personnel and their families and relatives.

(3) If the legal representative has permanent residency abroad and his enterprise or company has branches abroad, he should strictly control the loans of enterprises whose main family members have settled abroad or set up companies abroad, and pay close attention to the financial transactions of his legal representative with enterprises abroad. Especially for the transfer of funds abroad or the use of funds is unknown, it is necessary to strictly review, supervise and stop them in time.

(four) to investigate the situation of the legal representative of the enterprise before the loan. The affiliated enterprise system in which one person concurrently serves as the legal representative of multiple enterprises.

(5) When examining the loan, we must consider the loan situation, repayment ability and the quality of the main person in charge of the enterprise, and we must not lower the loan conditions and manage the loan because of the political status of the borrower, such as "model worker", "advanced element", "overseas Chinese", "NPC representative" and "CPPCC member".

2. After the loan is approved, can the repayment method be changed?

Different banks have different regulations on whether individual mortgage repayment methods can be changed. In addition to matching principal and interest, average capital is also the repayment method of mortgage. With the same loan amount, fixed number of years and interest rate, the total interest of average capital is less than that of average capital. This is also the main reason why many people want to change the repayment method.

Generally speaking, the method of mortgage repayment cannot be changed. Because the personal repayment method was signed at the beginning, it is not easy to change. However, some banks support changing the repayment method, but the procedures are complicated.

Although most banks don't support changing the convenience of mortgage repayment, if an individual has a certain deposit now and has the ability to pay off his mortgage or return part of it in advance, he can apply for early repayment.

The repayment method of mortgage is determined when applying for a loan to buy a house, which is not easy to change, but the regulations of each bank are different, so it is necessary to consult the loan bank.

Third, can the mortgage repayment method be changed?

Hello, you can change the repayment method of the mortgage.

Specific operation:

If you want to go to the bank to contact your account manager for a loan, fill out an application form, change the repayment method, sign your name and press the red handprint.

Change it to monthly repayment, and no other formalities are needed.

There are generally two ways of mortgage loan: average capital and equal principal and interest;

The method of matching principal and interest is to pay a fixed amount every month, and the repayment amount is the same every month. At first, it was mostly interest, and the principal was relatively small.

Another commonly used method is the average capital, that is, the principal returned every month during the repayment period is the same, and the interest gradually decreases with the decrease of the principal, and the repayment amount in the last month is only the principal.

Remarks: Personal banking agreement is required for the specific repayment method.

4. Can the loan method be changed?

Yes, but only a few banks support changing the loan method. If you want to change the repayment method, you can apply to inform the bank one month in advance. For example, CCB can submit the change of repayment method as long as it can prove that the income has not weakened, but the premise is that the previous repayment record is good and there is no default. After the bank agrees to the change, the borrower and the bank sign a written change agreement, and the interest paid before the change of repayment method will not be refunded.

Loan method:

1, secured loan

Find a guarantor with guarantee qualification and qualified guarantee ability. A secured loan is a loan provided by the borrower or a third party according to law. It should be noted that many banks do not accept secured loans, so you must know in advance before lending.

2. Physical mortgage loan

If the borrower holds bonds, securities, stocks, real estate, bills of lading, warehouse receipts or other documents proving the ownership of the goods, they can all be used as collateral.

3. Third-party loans

This kind of loan includes many kinds, so buyers should pay attention to choosing formal and qualified institutions and don't fall into the scam.

4. Credit loan

Credit loan refers to the loan issued by the lender's credit. Borrowers do not need to provide collateral and third-party guarantees, but can obtain loans by virtue of their own reputation. However, it is conditional that credit loans have relatively strict requirements on the borrower's credit rating, and will require no overdue records, good credit and good card habits.