In life, people will always encounter some cash flow problems. If borrowing money from relatives and friends is not enough, you can mortgage it through real estate. However, some people say that you should never mortgage a house loan, because there are certain risks after mortgage, so you must pay attention to these things of house mortgage. See the following related introduction for details, hoping to bring you some help.
Never mortgage a house loan.
1. Don't move the provident fund before buying a house with a loan:
The balance of the provident fund account directly affects the loan amount. The higher the account balance, the higher the loan amount. So if you need a loan to buy a house, don't withdraw the savings balance of the provident fund before the loan.
2. The loan term can be extended:
In the process of repayment, due to various reasons, the repayment ability may decline, and the loan cannot be repaid in a short time. At this time, you can apply to the bank to extend the loan period. If the bank verifies, it will accept the borrower's application for extending the loan period, which will greatly reduce the pressure of repayment in a short time.
3. You can get a refund if you get the real estate license:
When buying a house, all family members who can get a refund are written into the purchase contract as the property owner. After signing the contract and paying the house price, you can apply for "personal income tax base deduction paid by the purchaser" and obtain the "general tax payment book". After the real estate license is completed for 6 months, consumers can go to the tax department for tax refund.
You must pay attention to these things when lending.
1. The obligation to inform should be fulfilled when renting the loan house:
When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.
2. Keep loan contracts and IOUs properly;
Applying for a mortgage loan, the loan contract signed between the bank and you, and the receipt are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.
Buying a house with a loan is a long process. As a lender, fighting for more rights is to reduce the burden for yourself and your family. Therefore, before buying a house with a loan, you must understand the loan interest rate and the matters needing attention in the loan.
3. Don't prepay in the loan year:
According to the relevant provisions of provident fund loans, if you want to repay the loan in advance, you can propose it after one year of repayment, and the repayment amount needs to be more than six months.
4. Cancel the mortgage after the loan is paid off:
If the loan is a mortgage loan, after paying off the principal and interest of the loan, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the loan settlement certificate and other property rights certificates of the collateral.
You must pay attention to these things about never taking out a mortgage. After reading the introduction above, you should have understood. Real estate mortgage can indeed alleviate the economic pressure at that time, but the risks related to real estate mortgage do exist. In the case of necessity, the house needs to be mortgaged, so it is necessary to refund the tax after obtaining the real estate license and extend the loan period.