You can apply for a loan to buy a house in other places. Our country supports loans for home purchases in other places. Generally, when applying for loans for home purchases in other places, some areas will require proof of social security payment, and some areas will require a local temporary residence permit. The specific local requirements shall prevail. If these materials can be provided, you can Bring your personal ID card, household registration book, personal income certificate and other information to the bank to apply for a home purchase loan. The bank will review the submitted information and certificates. If the review is in compliance with the local home purchase policy, the bank will approve the housing loan and will notify you. The applicant signs a loan contract.
Why should the loan last as long as thirty years?
Thirty-year loans should be chosen as much as possible because the inflation factor needs to be taken into account. The RMB will depreciate in the future, but the repayment amount will still be the originally planned amount, which is very important for the repayer. A good deal. Moreover, the mortgage interest rate itself is not very high. As long as the return rate of the repayer's financial management is greater than the housing loan interest rate, the repayer will be able to obtain more benefits from the funds in his hands. Of course, whether you can choose a 30-year mortgage loan depends on the actual situation of the borrower. Not everyone can get a 30-year loan.
What are the guidelines for home loans?
1. Carry out reasonable fund planning.
2. Choose properties from big brands.
What’s the most cost-effective way to pay off your mortgage loan?
You can choose the repayment method of equal principal amounts, which is the most cost-effective, because the interest generated by the repayment method of equal principal amounts is relatively small. After choosing equal principal payments, the monthly principal repayment amount is fixed, but on this basis, the monthly interest repayment will be added, and the interest will become less and less.