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When buying a house, many buyers prefer provident fund loans, but the buyers are freelancers or entrepreneurs, so they have not paid the housing provident fund, and there is no room to apply for housing provident fund loans. So how can buyers buy a house without housing reserves? Next, Bian Xiao will give you a brief introduction. \ r \ n \ r \ n \ r \ n \ r \ n \ r \ n \ r \ n1+Before applying for a commercial loan, the buyer needs to prepare the down payment of the house. About how much down payment you need to prepare, you can consult the sales office staff or intermediary agencies. After the buyer chooses a house, he signs a purchase contract with the developer and pays the down payment. \r\n \r\n \r\n\r\n2。 Next, buyers need to prepare the materials needed for the loan, such as the purchase contract, income certificate, ID card, etc. You can consult the loan bank first. Before applying for a commercial loan, you can check your personal credit to avoid bad credit being refused by the bank. \r\n \r\n \r\n\r\n3。 After the purchaser prepares the down payment voucher, purchase contract and other related materials, he applies for a commercial housing loan at the loan bank. When buyers apply for commercial loans, it is best to ask the bank staff to calculate how much loans they need to repay each month. \r\n \r\n \r\n\r\n4。 In order to avoid risks, loan banks usually require buyers to go through the guarantee procedures. After the approval of the bank, the buyer signs a mortgage loan contract with the bank, then the buyer goes through the mortgage registration formalities, and the bank lends money within the time limit stipulated in the contract. If the buyers have sufficient funds, they can also buy a house in full. \ r \ n \ r \ n \ r \ n \ r \ Xiaobian Summary: How to buy a house without provident fund, Bian Xiao will briefly introduce it here. I hope that after reading this article, everyone can understand this. When applying for a commercial loan, you should determine the amount and duration of the loan according to your repayment ability to avoid excessive repayment pressure every month.

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How can I borrow money to buy a house without provident fund?

Calculate how much it will cost to decorate your home.

With the rapid development of the real estate market, house prices are also rising, so most people choose loans to buy a house. There are two main ways of housing loans: provident fund loans and commercial loans, of which provident fund loans are everyone's first choice. Then, how can you borrow money to buy a house without a provident fund? What should we pay attention to in commercial loans? Let's get to know each other.

How can I borrow money to buy a house without provident fund?

If there is no provident fund, you can apply for a mortgage loan to buy a house, which is what you call a commercial loan. However, the repayment interest of commercial loans is higher than the provident fund. General provident fund loan interest rates are 1 to 3.33% in 5 years, 3.87% in 5 to 30 years, 4.03% in commercial loans and 4. 16% in 5 to 30 years.

Problems needing attention in commercial loans

1. The credit information is in good condition.

As we all know, if the credit status is not good, it will affect the loan application. If there are more than six overdue records in personal credit records for three consecutive times, the loan application will be rejected to a great extent. If personal credit cards, mortgages and car loans have overdue records, they will also appear in your personal credit report.

Step 2 prepare information in advance

In the process of handling commercial loans, buyers need to provide a series of materials, such as identity cards, household registration books, income certificates for the past six months, running water certificates, etc. Among them, the income certificate must be guaranteed to be more than twice as much as the monthly loan application, which must be paid special attention to. It is best to open a bank with more income to prove the income certificate.

3. Pay attention to the loan term.

The longest loan period of commercial loans of various banks is basically 30 years. If the applicant meets the conditions of the longest loan term, he can choose the loan term at will, such as 20 years, 10 years, etc. However, buyers had better choose according to their own economic strength. For example, high-income buyers can shorten the loan time, which can reduce the interest cost.

Summary of the article: The above is about how to borrow money to buy a house without provident fund and the matters needing attention in commercial loans. I hope it will help everyone. For more information, please keep an eye on Qijia. com。

Enter the area and get the decoration quotation for free.

How can I borrow money to buy a house without housing provident fund?

Under normal circumstances, each unit will pay the housing provident fund for its employees, in order to make the loans for employees more affordable in the future. But we must know that not everyone has paid the housing provident fund. How can people who have no provident fund borrow money to buy a house? The following small series will take you to understand how to borrow money to buy a house without housing provident fund and how to borrow money from a bank to buy a house.

How can I borrow money to buy a house without housing provident fund?

If there is no housing provident fund loan, use mortgage loan to buy a house, but the interest rate of this mortgage loan is higher than that of housing provident fund loan. The use of housing provident fund loans can not only enjoy low-interest loans, but also the down payment for purchasing the first suite can reach 20%.

How to borrow money from the bank to buy a house

1. Personal housing portfolio loan

Personal housing portfolio loan is a loan issued to the same borrower for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loan and self-operated loan. In addition, there is a combination of housing savings loans and mortgage loans.

2. Personal housing entrusted loans

Entrusted loans for individual housing refer to loans granted by loan banks to individuals who purchase ordinary housing, also known as provident fund loans, based on the entrustment of the relevant departments of the housing provident fund management center and with the deposits of housing provident fund as the source of funds.

3. Personal housing self-operated loans

The so-called personal housing self-operated loan refers to the loan issued to individual buyers with the funds from the loan bank credit as the source. However, the loan name of each bank is different, so pay attention to it when lending.

Summary: The above are all about how to borrow money to buy a house without housing provident fund and how to borrow money from the bank to buy a house. I hope it will help everyone. For more information, please keep an eye on Qijia. com。