Many property buyers have difficulties in the initial purchase process, which is because they lack relevant experience and knowledge in purchasing houses. In addition to the process of looking at the house and choosing the house, the loan process is also a relatively error-prone link. Today, Bian Xiao will share relevant knowledge with you. I hope everyone can gain something after reading it, and the road to buying a house can be less bumpy. So, what should I pay attention to when buying a house with a loan?

Pay attention to the following items when applying for a loan:

1. Check and confirm your credit report.

Before lending, you must check your credit status and judge whether you are eligible for a loan. You can check your own credit report through the credit management department. Many situations may lead to poor credit status, such as overdue credit records of credit card arrears. Therefore, you should pay attention to your credit history at ordinary times and don't delay the loan because of trivial matters.

2. Personal information should be accurate.

When applying for a housing loan, you need to submit personal information, which should be detailed and accurate; After the loan is issued, we should also pay attention to keeping personal information accurate, and notify the bank in time if the information changes.

Ensure that the bank has its own accurate information, which is convenient for the bank to contact the lender, so that it can know the relevant information of the bank in time and better enjoy the post-loan service provided by the bank to the borrower; If you don't inform the bank of the latest information in time, it may bring a lot of trouble and you won't receive the relevant notice from the bank.

3. Loan contracts and IOUs shall be properly kept.

Many borrowers will be fine after the loan is issued, and loan contracts and IOUs will be thrown away casually, but in fact this behavior is risky. We should understand that loan contracts and IOUs are important legal documents, and the relevant transaction details of borrowers and banks are in these documents.

In addition, due to different loan terms, the longest loan term is as long as 30 years. In order to prevent any mistakes in the middle, as a borrower, you should take good care of your contracts and IOUs and don't lose them.

Don't forget to cancel the mortgage after the loan is paid off.

Many homebuyers think that everything will be fine if they pay off the loan, but in fact, canceling the mortgage is a very important link. After the buyer has paid off all the loan principal and interest, he can go through the mortgage cancellation formalities at the real estate trading center in the area where the real estate is located with the bank's loan settlement certificate and other real estate rights certificate.

The above is Bian Xiao's knowledge about matters needing attention in handling housing loans. I hope you have gained something after reading this article.

(The above answers were published on 20 16-02- 14. Please refer to the actual situation for the current purchase policy. )

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