I want to borrow money to buy a house. How to get a loan is more appropriate?
Loans to buy a house are divided into housing provident fund loans, bank mortgage loans and portfolio loans. For residents who have already paid the housing provident fund, they should get low-interest loans from the housing provident fund when they buy a house with loans. Housing provident fund management can issue provident fund loans, and the limit is generally10-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. You can choose according to your actual situation.
1. Housing provident fund loan: For residents who have already paid the housing provident fund, they should get a low-interest housing provident fund loan when they borrow to buy a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period.
2. Bank mortgage loan: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.
3. Portfolio loan: the provident fund loan that can be issued by housing provident fund management, with the amount of1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.
How to look at the house feng shui
1, the first thing is to look at rivers and roads. If there are rivers and roads winding around buildings, it is auspicious. If a river or road bows to a building, it is unlucky to bow against the current. If the road or river is straight, it is unlucky for the arrow.
2. Depending on the building or the mountain, there are tall and flat buildings or beautiful peaks with squares, gardens and sharp corners behind them, which is auspicious for the future. Low or chaotic, at a loss, sharp hand, too much pressure, are unlucky. It is unlucky to avoid the pressure, obstacles, house arrows, corners and other weapons-like buildings in front. The front is open and the scenery is beautiful. The buildings on the left are generally lucky to be taller than those on the right, and the buildings on the right are taller than those on the left, but the buildings with strange shapes are generally unlucky.
3. Depending on the terrain, it is not suitable to build houses on isolated hilltops or water bodies. It is not a good choice to build a building on the ridge or on the water body. Can't be built under cliffs and so on.
4. See if there are any temples, military and police departments, crematoriums, cemeteries, prisons, shrines, etc. Nearby. Yang Zhai should stay away from such buildings. Generally speaking, the surrounding mountains and rivers are beautiful, the back is high, the front is beautiful, the environment is neat and beautiful, there is no obvious shape, the lighting and ventilation are good, and it is peaceful and quiet, which is a good environment, that is, Feng Shui.
The above small series introduces the question about how I want to borrow money to buy a house. The repayment method can be divided into stages, or the matching of principal and interest can also choose the average capital. These are very good forms of loans, and they are also the types that are used more now. How to look at the house feng shui, some taboos and common sense of these feng shui can be learned more, which is very helpful for buying what kind of feng shui house. These related contents can be consulted more.