The whole process of buying a house by mortgage loan is really a lot of things, and many mortgage loans are easy to dig holes and jump in carelessly. Let's take a look at the things we need to worry about before buying a house. Knowing the precautions in advance can avoid jumping into the pit ~
First, before buying a house
1. Seek truth from facts and estimate your tolerance.
Without Jin Gangzuan, we wouldn't accept the job of porcelain! The same is true for mortgages. Without so much income, we wouldn't pay such a high monthly payment.
Even if you really want to live in a new house as soon as possible, don't overestimate your financial capacity for speed, otherwise you may be "exhausted by insufficient blood supply" after paying the down payment. Such a consequence may be a breach of contract, leading to overdue visits by banks, and they may not be able to live in a new house!
So how to deal with this situation?
I suggest that you prepare the down payment and down payment for buying a house three months before you decide to buy a house and deposit them in the corresponding current account. Don't touch this deposit easily because of anything.
After spending this money, you can feel exhausted and can't afford to live in a house ~
2. Keep your eyes open and choose a good developer
Don't care about your own situation, but also look at the real estate business, otherwise there will be hidden dangers in the house.
For example, many real estate developers take the form of pre-sale mortgage because of capital turnover. I think everyone must have seen that funds can be obtained through pre-sale. However, this situation can easily lead to the failure of capital turnover. Once the funds fail and the property cannot be delivered as scheduled, the property will be built into a "dangerous building" by cutting corners. Even if you live in such a house, you will always be afraid!
Therefore, I suggest that you must inquire more before buying a house to understand the business before the property, so as to analyze its strength; By the way, ask about the sales department Of course, salesgirls generally don't say the actual situation, it depends on our own knowledge ~
3. Look at the attitude of the bank before signing the contract.
The key point in mortgage to buy a house is the bank. Although many real estate developers will cooperate with the bank, they can apply for mortgage loans from the bank if they buy the house of the real estate, but the bank will not be subject to the real estate. Even if the buyer chooses the house of the real estate that has a cooperative relationship with the bank, the bank will not directly approve your loan application.
The most normal situation is that when the bank receives the applicant's mortgage application, it should review it according to the borrower's requirements, such as understanding the borrower's assets, income, repayment ability and so on. If there are unqualified conditions, the bank will refuse your loan application
It is not a big problem to refuse the application. The serious problem is that you have signed a purchase contract with the developer and paid a deposit before applying for a loan! ! ! Then the bank refused. At this time, you may have to experience the pain of deposit loss. ...
Note: In addition to the above items, people preparing for mortgage to buy a house need to know some issues, such as down payment, interest rate, quota, time limit, etc. Only when they are aware of this information can they make fewer detours when applying for loans.
(The above answers were published on 2017-01-12. Please refer to the actual situation for the current purchase policy. )
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