Don't be afraid, Bian Xiao has collected it for you! Let's take a look at the mortgage loan to buy a house!
1. Apply for the loan amount according to your own ability.
When applying for individual housing loans, you should make a correct quota choice according to your current economic strength and repayment ability, and make an objective forecast of your future income and expenditure, and don't be blindly optimistic.
2. Choose a suitable loan bank.
The more services you choose from the mortgage bank, the more flexible and diverse your personal financial services will be, and the rich service and product portfolio can reduce your loan burden to some extent. Therefore, when choosing a loan bank to use mortgage, you may wish to know more about the requirements of different banks in this regard and choose the one that suits you best.
3. Choose the repayment method that suits you.
At present, there are basically two repayment methods for individual housing loans: one is equal principal and interest repayment, and the other is equal principal repayment. Understand the differences, advantages and disadvantages of these two repayment methods, and make the decision that suits you best, so that repayment will be relatively less tiring in the future.
4. Provide true information to the bank.
To apply for commercial personal housing loans, banks generally require borrowers to provide proof of economic income. For individuals, the true personal occupation, position and recent economic income should be provided. If your income doesn't reach a certain level and you don't have enough repayment ability, but you exaggerate your income level, you are likely to default during the repayment period, and it is confirmed by the bank investigation that you have provided false certificates, which will greatly reduce the bank's trust in you and affect your own loan application. Similarly, if you move, you must update your contact address and contact information at the bank in time to ensure that you can receive the information sent by the bank.
5. Be sure to repay on time.
Repayment must be timely! Timely! Timely! Say the important things three times. Make sure that your account has enough money to pay the loan before the monthly repayment date. Don't miss the date of deduction because of carelessness. Being punished by the bank is the second, and leaving a bad credit record for the bank is not worth the loss.
(The above answers were published on 20 16- 12-26. Please refer to the current actual purchase policy. )
Click to view more comprehensive, timely and accurate new house information.