With the recent outbreak of real estate taxes, many home buyers have begun to wait and see again.

What are you waiting for? Waiting to see what preferential policies will be released at the end of the year. Waiting to see the details of property taxes?

1. How to choose a loan.

Many people have two simple ideas when applying for a loan: one is to borrow as much as possible, and the other is to borrow as little as possible.

But in fact, before making a decision, you should decide based on your family situation and financial situation. First, make a full assessment of your financial and credit situation, have a fully reasonable expectation of your future income, and then choose the mortgage and repayment method that best suits you.

If you have good financial conditions and lack other investment and higher return channels, then borrow as little money as possible so that you pay less interest. But if the funds are invested in the stock market, trusts, funds or even other industries, the return on investment may be higher than bank interest rates, so borrow as much as possible.

The second is the bank threshold.

Currently, 13 of the 16 domestic banks are commercial banks, 11 of which can provide mortgage loans. The conditions of these 11 banks are different, so it is very important to understand these banks before lending.

No matter which bank it is, customers have corresponding thresholds when applying for loans, such as age and household registration. Generally speaking, banks provide loans to people over 18 years old and under 60 years old. Some banks stipulate that the maturity date cannot exceed 60 years old. However, in some places, if you do not have a local household registration and want to apply for a loan, the requirements will be stricter and more qualification certificates may be required.

The focus is on the bank's audit of income status. The amount and stability of income are the focus of bank audits.

In addition, banks have different post-loan services. In order to prevent inconvenience to your own capital arrangements, you should understand the loan policies of each bank when lending. You can consider the following aspects:

First, can I repay the loan early? How complex is it to pay off a loan early? Will there be liquidated damages?

Second, is it allowed to extend the loan term or make additional loans? If you don’t consider this when applying, it will be more troublesome when you want to change it.

Third, can the house be mortgaged? The house was bought with a mortgage, but it hasn't been paid off yet. Can it be sold? If the bank does not provide mortgage services, it will be more troublesome to sell the house midway.

Third, the type of mortgage.

Currently, there are four main types of mortgage loans.

Type 1 mortgage. This is currently the most widely used mortgage loan, making it possible for many homebuyers with insufficient funds to realize their dream of buying a home. Specifically, housing mortgage loans can be divided into two categories: one is commercial loans provided by banks; the other is provident fund loans, which can be applied for as long as the deposits have been made continuously for 12 months.

A second mortgage with the same name. That is to say, the applicant already has a loan, but in order to better manage the loan, or for various reasons, he changes his loan. In layman's terms, it is "job hopping" between banks.

The third type is purely for financing needs, such as mortgage the property to the bank to obtain a loan. This kind of loan is usually called a mortgage commercial loan or a mortgage consumer loan. Funds can be used for various reasonable needs such as business operations, continuing to buy a house, buying a car, going abroad, studying abroad, decoration and even traveling. But to get a loan, applicants must have corresponding collateral, such as real estate. The general loan amount is 70% of the assessed value of the collateral.

The fourth type of subprime mortgage. The house is under mortgage and I want to resell it to another person. Some banks can provide this service.

4. Repayment method.

Currently, there are a wide range of bank repayment options, and there are many ways. However, currently all types of commercial housing loans are based on the basic mortgage methods stipulated by the People's Bank of China - equal mortgage and decreasing mortgage.

There is essentially no difference between the two loan repayment methods, only the issue of suitability.

The main difference between the two is that the former has the same repayment amount in each period, and the repayment pressure of the borrower is balanced, but the interest burden is relatively large. It is suitable for a certain amount of savings, but the income may be flat or declining, and the living burden is increasing day by day, and there is no advance payment. Salaryman for a repayment plan; in the latter case, the monthly principal is the same, but the interest is different. The repayment amount in the future will gradually decrease, the pressure will also decrease, and the overall interest burden will be smaller. For those who are ready to repay their loans early, it is more advantageous because their current income is high or their future income is expected to increase significantly.

According to the above two loan repayment methods, there are fixed-rate mortgages, balloon loans, bi-weekly loans, bi-monthly loans, quarterly loans and other repayment methods. You can consult relevant personnel before making a decision, but you must first understand the existence of these methods to avoid being in a passive position when dealing with them.

5. Apply for preferential treatment.

Although the credit environment is generally tightened and conditions are more stringent, it is not easy to apply for preferential loan interest rates. However, there are still some tips that can give applicants extra points when applying for discounts.

First of all, the applicant should be the main customer of the bank where it applies for the loan, and use the bank's products as intensively as possible, such as deposits, online banking, mobile banking, funds, insurance, etc. The biggest advantage of doing this is that the bank can fully understand the applicant's personal situation, finances, credit, etc. Moreover, it also helps to increase the applicant's comprehensive contribution to the bank, allowing it to enjoy relatively high preferential treatment.

Secondly, when the applicant buys a house, try to increase the down payment ratio, so that the bank may provide more preferential interest rates. In addition, although the borrower's credit status is not an absolute factor in obtaining a favorable interest rate, it is very important. Applicants should pay attention to maintaining their credit history, which is also one of the standard factors to measure whether they can enjoy preferential interest rates.

Real estate