Many people think of the so-called loan before buying a house, because not every family can pay the full amount. Under such circumstances, choosing which loan form has become a problem faced by many families. What kind of loan to choose and how to get it are issues that every property buyer needs to know.
Zhejiang has begun a comprehensive self-examination of the source of mortgage loans.
This happened after Guangdong and Sichuan provinces strictly investigated the source of mortgage funds. Now Zhejiang Province is also following this model, strictly checking the situation of credit funds flowing into the housing market, because many people now use so-called credit funds to pay the down payment of their houses. Although this way can let them buy a house, it will increase their financial leverage and let them fall into financial crisis. Therefore, in order to further avoid this situation, Zhejiang has begun a comprehensive investigation of the source of mortgage loans.
Housing loans can apply for provident fund loans.
For most small boards that need to buy a house, it may be a better way to choose the form of provident fund, because the interest on provident fund loans is particularly low, which is more suitable for ordinary families, but there will be corresponding social security conditions, and social security needs to be paid in this city for more than a few years. Each city may have different restrictions and quotas. For details, please refer to relevant information.
Housing loans can also apply for commercial loans from banks.
For those small partners who have not had enough social security in this city, commercial loans may be a better choice. At the same time, the commercial loan interest rate of each bank is different. You can make a comprehensive choice according to the specific situation and loan amount of this bank. Of course, in any case, bank loans are a helpless choice, because at this time you can't borrow through the provident fund.