The amount of provident fund loans is not enough.
The low interest rate of provident fund loans has become the first choice for many buyers. However, in a first-tier city like Beishangguangshen and Shenzhen, if you want to buy a house of similar size, it will cost millions, and the amount of provident fund is far from enough. What should you do?
1. Apply for a portfolio loan.
Tip: Take Beijing as an example. If you buy a 2 million house, the amount you can apply for provident fund is 654.38+0.2 million. Excluding the down payment of 600 thousand, the difference is 200 thousand This 200,000 can apply for a portfolio loan from the bank. It should be noted that not all banks accept portfolio loans, which involve provident fund centers, banks and other institutions, and the approval period is more than 3 months. Therefore, buyers who are anxious to pay the house price should consider it.
2. Apply for a commercial loan, and use the balance of the provident fund to offset the mortgage.
Tips: Since the amount of provident fund loans is not enough, why not give up provident fund loans and apply for commercial loans directly? If you apply for a commercial loan, the borrower can generally lend money about 2 weeks after submitting the loan application. As long as it meets the relevant conditions of the bank, it is generally possible to borrow the expected amount. Moreover, after successfully applying for a commercial loan, you can apply to withdraw the provident fund to repay the monthly payment, but in this case, the interest is higher than that of a simple provident fund loan. The longer the loan time, the greater the economic pressure that buyers need to bear, which needs attention.
Due to credit information and other factors, the loan amount has been reduced.
Tips: You can consult other banks, and it is possible to obtain the expected quota when applying in a bank with loose mortgage policy. If you buy a new house, you can apply for a loan from a bank that cooperates with the property, and you can also get preferential interest rates.
The income does not meet the requirements of the bank
Tips: You can consider applying for a relay loan. If Betty Wong's income is low, but his father has not retired and his income is high, and Wang Can Jr. applies for mortgage with his father as the owner of the house he bought, the bank will calculate the monthly repayment amount according to the sum of his father's and son's income, thus increasing the loan amount.
After consulting a number of banks, they failed to reach the quota.
Tips: In this case, you can apply for a consumer loan to pay the house price, which is mainly applicable to small loan companies. General banks, especially state-owned banks, have strict supervision over the flow of consumer loan funds, so it is difficult to pay house prices through consumer loans. The loan application conditions of small loan companies are relatively relaxed, the approval process is simplified, and it is easier to pay the house payment through consumer loans.
For borrowers, the loan amount is an endless topic. In order to enjoy higher quota and lower interest rate, you must choose the loan institution products suitable for you according to your own situation, so as to ensure a higher quota and success rate for your next repayment.