You cannot change the house after you have obtained the mortgage loan. Once the mortgage loan is obtained, it means that the mortgage has been processed. In other words, the house mentioned in the house purchase contract has been mortgaged with the bank. If you want to change the house, It is necessary to cancel the loan, sign online and re-sign the contract. The whole process is long and involves many units. Generally, banks will not allow the cancellation of housing loans.

What should you pay attention to when buying a house?

1. Stick to your heart’s price

The price of a property before the opening is very confidential, and sometimes it will not be released until the opening day. , but buyers should determine their psychological price in advance based on the vague range given by the salesperson, and determine their own bottom line. If the price on the opening day exceeds the affordable range, they will resolutely give up. Don't be impatient and spend high prices to buy a house, otherwise it will affect the quality of life of the buyers themselves and put great pressure on the buyers' funds. Therefore, you should stick to your psychological price and would rather give up and prepare to choose other properties than make an impulsive decision just to save face.

2. Develop a pre-purchase plan

Buyers should make several choices in advance before the sale starts. Remember not to just look for one house, but make a decision based on the unit type and floor. Consider different combinations. The editor generally recommends that home buyers make five plans for different houses on the opening day based on factors such as average price, location, floor, unit type, orientation, etc. Preparing a few more plans can help you cope with emergencies.

3. Calmly choose a house

During the opening period, most of the time is spent waiting like torture, but the actual time spent looking at houses and selecting houses is usually only five minutes. After several hours of torture, you are almost exhausted mentally and physically. Then the sales lady will give you the final blow within five minutes of choosing a house, making you unable to control yourself, defeated and forced to make a decision.

4. Flexible calculation

The house supply control table displayed in the real estate lobby will not display all the data, especially the "low-price houses" with gimmicks such as opening The low-priced houses under 1 million listed by commercial companies usually only have the total price after the discount and the total price before the discount. A cursory look shows that there are indeed many discounts. In fact, this data does not mean much. At this time, just look at the total price and area of ??the house to calculate the actual unit price. If the unit price exceeds expectations, or is similar to other house types, you can give priority to other house types.

5. It is better to be lacking than to overdo it

If your number is relatively low when selecting a house on the opening day, and there are many people at the sales office at this time, it is not recommended that you When you don’t find any houses you want, you reluctantly buy a house on the first floor, on the top floor, or on the edge of the community facing the street.