1. If the loan term is extended, the monthly payment will be reduced. The same loan is 1 10,000 yuan, and the monthly payment for 30 years is 5,307 yuan. But the interest on your loan will increase, with 20-year interest of 570,000 yuan and 30-year interest of 965,438+00,000 yuan.

2. Looking for a guarantor, the guarantor is also the same borrower. However, whether people are willing to guarantee is a problem. Once the loan cannot be repaid, he is the first person to look for. And if the other party buys a house during your loan period and needs a loan, the bank interest rate and loan policy he adopts are calculated according to two sets.

3. Try different banks. The credit scoring standard of each bank is different. Some banks are relatively loose. Generally speaking, as long as their credit history is not so bad, they can get loans.

Two, in the process of second-hand housing sales, must comply with the following provisions:

1. The real identity of the owner must be confirmed before the second-hand house transaction.

Before signing a contract, buyers and sellers should first check the authenticity of the signing subject, mainly to verify the identity of the owner. Therefore, the authenticity of the owner's certificate and its consistency with the owner's identity are the prerequisites for signing a sales contract, especially when the buyer and the seller conduct their own transactions without the intermediary guarantee of a third party, which needs to be paid attention to by both buyers and sellers.

2. When signing the second-hand house sales contract, both parties must specify the liability for breach of contract.

The proportion of liquidated damages is clearly stipulated in the second-hand house sales contract, but there is no specific agreement on the payment time, which will cause the defaulting party to delay the payment time accordingly and reduce the actual binding force and execution of the terms. Therefore, the clause that "the buyer shall pay liquidated damages to the seller (the buyer) within _ _ _ days from the actual payment date (the actual delivery date of the seller) should be added in the contract to ensure the final implementation of the contract terms.

3. Time of payment and transfer must be indicated.

Many second-hand housing transactions are not one-time payment, but installment payment. Therefore, the seller needs to know the buyer's payment time, and the payment time of the final payment depends on the date of property transfer, so the buyer has the right to know the time of property transfer. Overdue, the breaching party should implement the liability for breach of contract in the housing sales contract according to the actual situation.

Extended data:

The mortgage can't be done because of the purchaser, mainly because of the personal credit information or submitted materials of the purchaser. Generally speaking, banks attach great importance to this aspect. If property buyers really have this problem, it is difficult to get loans.

Second-hand housing loan is a loan business that takes buildings traded in the secondary housing market as collateral, applies for loans from banks to pay the purchase price, and then the buyers pay the principal and interest to the banks in installments.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Phoenix. Com- the mortgage has not been applied, and the reason for refusing the loan may be here!

Baidu Encyclopedia-Second-hand Housing Sales Process