A house, no matter what the circumstances, is the goal that every family strives for, and buying a house is a great joy for us, so no matter how expensive the house is now , the house still needs to be bought. When buying a house, buyers should not only care about the quality of the house, but also about the loan. After all, most buyers buy a house through a mortgage loan. The editor wants to say that you need to pay attention to these 5 steps when buying a house and getting a mortgage loan. Otherwise, you will still suffer. I hit the first point.

1. Preparation before the loan

Many home buyers have their family members pay the down payment because they do not work long hours and their bank accounts are terrible. When buying a house with a mortgage, the bank will focus on this point. Therefore, you need to make a beautiful running account for yourself before buying a house, such as depositing a certain amount of money to your bank card every month. This can increase your Loan approval rate.

As a reminder, an unqualified bank statement will completely affect the lender's mortgage application.

2. Don’t change jobs frequently before buying a house

As a home buyer, I believe you should also know that if your job is unstable, it may be difficult to get a loan approved. ? Therefore, in order to successfully get approved for a bank loan, don’t change jobs frequently before buying a house. Work in one company first.

3. Submit true information

Mortgage loans often involve millions of dollars, so banks will strictly verify the identity of the borrower. If forged information is found, the loan will definitely be lost. This is relatively minor. If it is serious, it will also affect your ability to apply for a mortgage again within a short period of time. Therefore, you must submit true information when applying for a bank loan.

4. Apply for an integer loan

Among the millions of yuan in mortgage loans, banks simply don’t pay attention to amounts of several thousand yuan. Have you ever seen a fraction of a few thousand in housing mortgage loans? Basically none, right? Why is this? To put it simply, this is because most bank loans are granted in round numbers, and it is easier to obtain bank approval when applying for round-number loans.

So, if you want to increase your mortgage success rate and get your mortgage earlier, choose an integer loan. For example, if you need a loan of 355,000, try to choose a loan of 350,000.

5. Notify the bank of changes in personal circumstances

After submitting a mortgage application, the bank will take a long time to review it. If during the loan application period, the personal circumstances change, such as an increase in debt , marriage changes, etc. When dealing with these matters, don’t forget to notify the bank to avoid affecting your loan approval.