What should I pay attention to when handling a mortgage?
1. Ask about the loan terms.
Before applying for a loan, you must make sure that you have met the loan conditions, such as paying social security in full, having valid identity documents, and having no bad credit records. And the loan conditions required by different banks are different. Ask clearly before applying, so as not to be busy in vain.
2. Prepare loan information.
Copy of ID card and household registration book, proof of income, copy of bank account, marriage certificate or single certificate, relevant proof of social security payment, copy of house purchase contract, down payment, etc. These materials are all necessary materials when handling loans, and must be prepared in advance.
3. Choose the right repayment method
Different repayment methods bring different repayment pressures, so before handling the loan, think about what repayment method you want to choose or what repayment method you are more suitable for, so as not to make yourself unable to repay on time.
Loan purchase process
1, house selection
When buying a house, the buyer must look at the house and choose the house. For buyers who want to apply for loans when buying a house, they should pay attention to loans when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
2. Pay the house purchase deposit
When buyers buy a house, developers usually ask buyers to pay a certain deposit or deposit. At this time, the buyer must pay attention to whether to pay the deposit or the deposit, in which the deposit is legally binding. Property buyers default, the deposit can not be recovered, developers default need to double the deposit. The deposit is not expressly stipulated in the law, which generally means to pay a certain amount of money in advance without compensation for breach of contract.
3. Pay down payment and sign a house purchase contract.
In housing transactions, the significance of the purchase contract is definitely very significant for buyers, because the purchase contract generally contains a lot of information about the house. The contents of the purchase contract generally include the area, unit price, total price, building, floor, unit and number of households of the house. At the same time, it is necessary to negotiate relevant matters needing attention and supplementary terms, including the division of responsibilities after the delivery of the house and the handling methods of emergencies.
4. Go through the mortgage formalities
When property buyers have determined that they can apply for loans in the bank, they should determine the loan method they want to apply for. Generally speaking, the loan methods mainly include provident fund loans and commercial loans, and the repayment methods also need to be determined by the buyers themselves. There are two repayment methods: equal principal and interest repayment and equal principal repayment. Buyers should choose the one that suits them according to their actual situation.