What materials should I prepare for prepayment?
Borrower's ID card: copy+original; Bank card with sufficient balance to repay the mortgage; Loan contract when buying a house: copy+original; Make an appointment to apply at the bank. After the general application is passed, the money will be deducted in the current month. Generally speaking, the following two groups of people are more suitable for early repayment: borrowers in the early stage of repayment, because interest expenses are usually concentrated in the early stage of repayment, and borrowers can save interest by repaying loans in advance at this time. When the borrower's money on hand can pay the remaining balance of the mortgage, but it can't meet other capital needs, it is more cost-effective to choose early repayment. Borrowers can use the funds in their hands to repay the loan in advance and settle the loan, and then use this property to apply for a mortgage consumer loan from the bank, and use the mortgaged money for other capital needs to solve their own financing needs.
What preparations should I make before buying a house with a loan?
1. Don't jump ship before buying a house with a loan.
If you decide to buy a house, don't jump ship for six months, because a stable job is the key condition. Once you lose your job or just change jobs, your monthly income can't be guaranteed and you are easily rejected.
2. Personal real information before buying a house with a loan.
Now there are many people in the market who can help package personal information, create false income streams and exaggerate salary positions. In fact, banks can verify the application materials by inquiring about credit information and social security. If there is any inconsistency, it will think that there is something wrong with your integrity and will probably refuse.
3. Try to use provident fund loans before buying a house.
After going to work, you can apply for provident fund loans by paying the provident fund on time for more than half a year every month. If the amount is not enough, you can use a portfolio loan and the interest rate will be much lower. I suggest consulting your credit manager to work out a cost-effective loan method for you.
4. Don't apply for a small loan in the near future before buying a house.
Personal credit report is an important proof of loan to buy a house. If you have a record of frequent loan applications and credit inquiries from bank financial institutions in the past year, it will have a certain impact on buying a house, and you will think that you are short of money recently. Of course, there should be no record recently, but there should be no continuous record. This is very important. In the final analysis, buying a house is a big event, so we must do enough preparatory work, so that going to the bank to apply for a mortgage can not only pass quickly, but also get a certain interest rate discount, otherwise it will be very troublesome.
What materials should I prepare for prepayment? What preparations should I make before buying a house with a loan? The above is the specific introduction of the loan that everyone needs to know. There are certain restrictions on prepayment. People should know before buying a house, so that all problems can be solved. In short, we should know whether the economic conditions permit, and also know the specific steps and preparations.