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What should I pay attention to when buying a house with mortgage loan?
1. Apply for the loan amount according to your own ability.
When applying, the borrower should make a correct judgment on his current economic strength and repayment ability, make a correct and objective prediction on his future income and expenditure, carefully determine the loan amount, loan term and repayment method, design the repayment plan according to his income level, and leave room appropriately.
2. Choose a good loan bank for mortgage loan.
The more services banks provide, the more detailed they are. You will get flexible and diverse personal financial services, as well as a rich service and product portfolio. For example, some banks have introduced a series of new measures, such as adjusting the loan term of borrowers, allowing borrowers to change things and changing real estate rights.
3. Choose the repayment method that suits you best.
At present, there are basically two repayment methods for individual housing loans: equal repayment method and equal principal repayment method. The repayment method of equal repayment is adopted, and the repayment amount remains unchanged (except for adjusting the interest rate), which is convenient for repayment, but more interest should be paid; In the case of equal principal repayment, the monthly repayment amount is gradually reduced.
The information provided to the bank should be true.
A true personal occupation, position and recent proof of economic income shall be provided. If you don't have enough ability to repay the loan, but exaggerate your income level, you are likely to default at the initial stage of repayment, and it is confirmed by bank investigation that you have provided false certificates, which will affect your own.