The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.
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Matters needing attention
Timely repayment of mortgage loans
The principle of good faith is an imperial clause in civil activities, and it is also a clause that we must abide by when performing the contract. As the parties to the mortgage contract, it is our obligation to repay in full and on time according to the conditions stipulated in the contract. Now the country has realized the inter-bank credit system. If you don't repay in time, it will be blacklisted in the bank's credit information system, which will affect your future business in the bank, so each of us should repay in time according to the contract.
Choose the repayment method carefully
In general, the mortgage loan contract is a standard clause contract, and there are generally two repayment methods. One is the equal principal and interest repayment method, that is, the same amount of loans (including principal and interest) are repaid every month during the repayment period, so that the monthly repayment amount is fixed, so that the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income. The other is average capital's repayment method: repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so you will pay more interest at the beginning, so the repayment amount will be more at the beginning, and then it will be reduced every month in the following time. The advantage of this method is that because the initial repayment amount is large, the interest expense will be reduced, which is more suitable for families with strong repayment ability. When signing a loan contract, you can choose the repayment method according to your actual situation to avoid default.
Rational use of housing provident fund
Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. One advantage of housing provident fund is that it is lower than the loan interest of commercial banks. If your unit pays you the housing provident fund, you can use the housing provident fund loan to repay the mortgage, which can not only reduce your monthly repayment pressure, but also reduce the total expenditure of using the housing provident fund loan relative to the total repayment amount of commercial banks.