Matters needing attention in handling loan to buy a house
1, preliminary preparation:
In fact, some people's wages may not be high, and most of them are down payment at home. I may not be very beautiful. Before you buy a house. Is to make a beautiful running account. Save a little money in the bank card every month. So you have a deposit record! ! Will increase your approval rating! ! The bank current account is twice as much as the monthly loan you need! ! Some banks need to keep a running account of more than 5000 yuan. Have a plenty of no matter how much.
2. Try to borrow integers:
That's because bank loans are all integers. Will not lend Qian Qian absolutely. If you're lucky. Thought it would pass! It is difficult for banks to get loans when loans are tight. So if conditions permit. Try to borrow integers! For example, you want to borrow 325 thousand. Try to borrow only 320 thousand!
3. Quit as little as possible before buying a house:
If your job is always changing. Loans are hard! If you want to buy a house. Try to stay in one company. Anyone who wants to resign will wait for the loan to be issued before resigning!
4. Try to let the openers choose banks.
That is because if you choose your own bank. If the loan is not issued. It's your duty to do that. If the developer chooses a bank. The loan was not issued. You can also force developers to help you find a way! If you don't issue loans, even if you insist on choosing a bank, you will be held accountable. Developers will certainly not have any responsibility!