Is the reduction of mortgage interest rate nationwide?
The reduction in mortgage interest rates is not nationwide. Although the data reports in recent months show that the average interest rate of the first home loan in China has dropped for two consecutive months, from the current situation, although the interest rates in various cities have declined, most cities have maintained this stable state after the decline.
What should I pay attention to when buying a house?
1. Apply for the loan amount according to your own ability.
When applying for a loan, you must do what you can, make a correct judgment on your economic strength and repayment ability, and make an objective forecast of your income and expenditure.
2. Choose a good loan bank for mortgage.
For lenders, whether buying a new house or a second-hand house, they are free to choose a loan bank, but they must consider it from the perspective of the public. The more you have, the more choices you have.
3. Choose the repayment method that suits you best.
At present, there are two repayment methods: equal repayment and equal principal repayment. The advantage of equal repayment is that the lender can master the repayment amount and protect the family's income and expenditure in a planned way, while equal principal repayment is more suitable for people with strong repayment ability. Therefore, we must correctly choose the repayment method that suits us.
The information provided to the bank should be true.
Usually, when applying for a housing loan, the bank will ask the lender to provide proof of income. For lenders, it is necessary to provide true proof of economic income. If you don't have enough repayment ability and exaggerate your income level, you are likely to default at the initial stage of repayment.
Summary of the article: The above is about whether the reduction of mortgage interest rate is nationwide and what should be paid attention to when buying a house. I hope it will help everyone. For more information, please keep an eye on Qijia. com。