If you want to run before the mortgage, you can do the following.

Second, the specific analysis

1, several months in advance (not less than six months), deposit a certain amount of money into the bank card opened by the bank that intends to apply for mortgage every month.

It is impossible to fully reflect personal income to the bank if it only begins to flow in the past month or two.

Don't take the money out immediately. If it is precipitated immediately, it will be regarded as invalid running water and must be preserved for at least 24 hours.

You can always put the money in the card and then take it out for use, as long as you make ends meet.

Of course, it is best not to extract all at once, but to leave some in the card.

4. Calculate the monthly amortized principal according to the total price of the purchased house and the period of applying for mortgage in the future, and then make corresponding savings to ensure that the monthly income of the card is not less than twice the amortized principal.

For example, if you plan to borrow 600,000 yuan for 20 years, you can repay the principal of 2,500 yuan every month. As a result, the monthly deposit in the card cannot be less than 5000 yuan.

Before applying for a loan, you can go to Winnie Hsin to check your credit status. If your credit is not good, you can wait for a while, and then apply when the credit risk score is not high and there is almost no stain, which will make it easier to pass.

Third, how to repay the principal and interest of the mortgage?

For the mortgage with equal principal and interest repayment, the repayment method is as follows.

1. During the whole repayment period, the same monthly payment will be made every month.

It is expressed by a calculation formula.

Monthly repayment amount (principal+interest) = [loan principal × monthly interest rate× (1+monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1].

2. Although the monthly repayment amount remains unchanged, the proportion of principal and interest will change.

At the initial stage of repayment, interest accounts for a relatively large proportion. With the continuous repayment, the interest rate will decrease month by month, while the principal rate will increase month by month. In the later period of repayment, the proportion of principal will be even greater.

3. If you have sufficient funds on hand, you can choose to repay in advance.

After repaying part of the mortgage in advance, the interest will not be calculated according to the total loan amount, but will be recalculated according to the remaining outstanding loans.

It is precisely because of this that prepayment of mortgage can reduce certain interest. The earlier the prepayment time, the more interest can be reduced.