2. Buying a house with a loan requires a stable occupation and income;
3. Buying a house with a loan requires good credit and the ability to repay the principal and interest of the loan on time;
4. Buying a house with a loan requires assets recognized by the lender as collateral or pledge; Or if the borrower can't provide the mortgage (pledge) in full, a unit or individual recognized by the lender that meets the prescribed conditions and has sufficient compensatory capacity will serve as the guarantor to repay the principal and interest of the loan and bear joint and several liabilities;
5. Buying a house by loan requires a house purchase contract or agreement or relevant approval documents;
6. The price of the house purchased by the loan basically conforms to the appraisal value of the lender or its designated real estate appraisal institution;
7. If you don't enjoy the loan subsidy, the down payment shall be a deposit or cash of not less than 20% of the total price of the purchased house; Enjoy housing subsidies, with 20% of personal deposits or cash as the down payment;
8. Buying a house with a loan requires other conditions stipulated by the loan bank.
Matters needing attention in housing loan
1. Some people think that the larger the loan amount, the better. Actually, it is not like this! Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.
2. If the mortgage buyer provides false materials to the bank, it may have a serious impact: it will affect the bank's audit, and it will be impossible to issue loans and realize the dream of living; What's more, it may be because individuals provide false materials, which leads to the inability to apply for loans, which leads developers to require buyers to bear the liability for breach of contract for overdue delivery of mortgage materials and pre-sale contracts of commercial housing, and pay a considerable amount of liquidated damages.
At present, there are two main repayment methods for buying a house with bank loans, namely, equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.
4. After the loan application is approved, the buyer can repay the loan every month. What should I do if I encounter difficulties halfway and can't repay on time? Property buyers can apply to the bank to change the loan term, and if the loan bank agrees, it can be extended.