Which is suitable for a 20-year or 30-year housing loan? This depends on the actual situation. If you say that your monthly income is not particularly high, then it is more appropriate to choose a loan for 30 years. Although the total interest of the loan for 30 years is higher, if it is shared equally every month, the monthly repayment will be less, so the repayment pressure will be lower. However, if you say that you have enough funds every month, then it is more appropriate to choose 20 years naturally. Although the monthly loan amount for 20 years is higher, the total interest generated will be less, which means that the cost of buying a house will be lower and everyone's habits will be different. This cannot be judged.
Do I have to go to the bank to check the loan? You don't have to go to the bank to apply for a loan. If you go to the bank to apply for a loan, then the bank will definitely need the applicant to submit a credit report. The credit report can be printed by the government affairs center with the ID card. Banks need to review the applicant's credit information. If there are too many bad records, the bank will definitely not pass the loan application. In addition, the applicant should also provide proof of income, bank flow, unit employment certificate, etc.
The above is the answer to the question of housing loan in Jinan. You are required to have valid identity documents, good credit information, complete behavioral ability, certain repayment ability, sign a legal housing contract, record information, and the borrower's age and loan period are no more than 60.