Buying a house is not a simple matter, especially for beginners. Buying a house for the first time requires a lot of time and energy in the process of choosing a house. Moreover, after determining the housing, it is necessary to prepare a series of materials to handle the relevant real estate registration procedures and mortgage loan procedures. After so many questions are concentrated, many people don't know which one should be carried out first. So, do you want to register first or borrow first? Let's take a look with Qijia. Com experts.

First, advance registration or loan first

Generally speaking, you will apply for a loan first, and you will register in advance after you get the notice to allow the loan. Mainly because developers will worry that property buyers will not get loans, resulting in the transaction can not be carried out smoothly. The purpose of advance notice registration is to prevent the second sale of the house and will not affect the loan, so you must apply for a loan first.

Second, what problems should be paid attention to in housing loans?

1. Prepare enough down payment.

The housing loan cannot be repaid, and the amount is limited. The maximum amount of a general loan is 70% of the total house price, which means that you need to prepare a 30% down payment before the loan, and you can apply for a loan smoothly after you get the relevant documents.

Don't jump ship before applying for a loan.

Applying for a loan has strict examination conditions for personal financial resources and stable income. If the income can't meet the monthly payment, it is not easy to get approval. Moreover, the bank will also review the salary flow for about half a year to prove that the applicant has the ability to repay, so don't jump ship before applying for a loan, which will affect the loan approval rate.

3. Pay attention to the repayment method

At present, repayment is divided into two ways: average principal and equal principal and interest, each with its own advantages and disadvantages. If you want to repay in advance, you can choose the average capital as the repayment method.

Editor's summary: The above is the introduction of the first notice registration or the first loan, and what problems should be paid attention to in housing loan. I hope what Bian Xiao shared can give you some reference. If you want to know more, you can pay attention to our family. Com information.

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