Shenzhen is one of the first-tier cities, so the house price is also very high, so most people who buy a house in Shenzhen need loans, and there are many things to pay attention to when buying a house with loans. Then the following small series will introduce some precautions for foreigners to buy a house in Shenzhen! \ r \ n \ r \ n \ r \ n \ r \ What are the precautions for foreigners to borrow money to buy a house in Shenzhen? \r\n \r\n\r\n 1。 Prepare enough down payment \ r \ n \ r \ n \ r \ Generally speaking, the down payment for a house in Shenzhen is 30%. If you buy a second apartment, you need to prepare a 40% down payment and consider the interest rate. Therefore, foreigners who borrow money to buy a house in Shenzhen need to prepare more funds. \r\n \r\n \r\n\r\n2。 Do not use the provident fund before the loan. \ r \ n \ r \ n \ r \ n nForeigners who deposit provident fund in Shenzhen cannot withdraw their provident fund deposits before using provident fund loans. If he withdraws in advance and the balance in the provident fund account is zero, he can't use the provident fund loan. \r\n \r\n\r\n3. Understand the repayment methods of loans \ r \ n \ r \ n \ r \ There are two main repayment methods for banks, one is equal principal and interest repayment, and the other is equal principal repayment; The interest of equal principal and interest is relatively high, but the monthly repayment pressure is relatively small; The repayment method in the average capital has less interest, but the monthly supply is more and the pressure is greater. So before the loan, integrate your own ability, and then choose the repayment method that suits you. \r\n \r\n \r\n\r\n4。 If you have repayment difficulties, contact the bank in time \ r \ n \ r \ n \ r \ nIf you have repayment difficulties during the loan period, you can contact the bank to apply for extending the loan period, and the bank will generally accept it after investigation. \r\n \r\n\r\n5。 Loan contracts and IOUs cannot be lost \ r \ n \ r \ n \ r \ The longest loan term can be 30 years. During this period, the borrower can't lose the contract and IOUs, because these loan contracts and IOUs are important legal documents and should be properly kept. \r\n \r\n\r\n6。 After the loan is paid off, cancel the mortgage \ r \ n \ r \ n \ r \ n nWhen the loan amount is paid off, don't forget to take the bank loan settlement certificate and other collateral certificates to the real estate trading center to cancel the mortgage. \ r \ n \ r \ n \ r \ n \ r \ Summary: The above is the relevant content about the matters needing attention for foreigners to borrow money to buy a house in Shenzhen, hoping to help everyone.

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