First, how long can the house loan come down?
Housing loans can generally be received within 20 working days, but the specific needs are subject to the regulations of various banks. When buying a commercial house, it takes about half a month to a month from the submission of materials to the bank loan if commercial loans are used, but if provident fund loans are used, the progress of loan processing will be slower.
Second, what should I pay attention to when buying a house and using a loan?
1, it is best to know the local purchase restriction policy before buying a house. After all, the government will introduce a series of purchase restriction policies to prevent the rise of housing prices, but the purchase restriction policies vary from place to place. If you don't have the conditions to buy a house and pay the down payment, it will inevitably lead to a breach of contract and affect your personal property.
When buying a new house with a loan, you need to plan for yourself. It is not only necessary to know the relevant policies of buying a house in advance, but also to do a good job in financial planning. For example, the down payment that needs to be prepared for buying a house and the monthly payment that needs to be paid in the later period of the loan will undoubtedly increase personal pressure if not planned.
3. When buying a house with a loan, you need to determine the loan method that suits you. There are two loan methods, average capital and equal principal and interest. Among them, the average capital is more suitable for people with strong repayment ability, while the equal principal and interest are more suitable for young people, and the investment needed in the early stage will not be too great.
How long can the housing loan come down and what should be paid attention to when using the housing loan? Let me introduce it here first. You got it? It is good to buy a house with a loan, but we also need to make a good budget to avoid problems in the later stage.