What problems should be paid attention to when buying a house with a loan
1. The fluctuation range of the loan interest rate is related to how much interest the borrower will pay during the loan period, so more attention should be paid. If the fluctuation of loan interest rate is relatively small, the pressure on buyers will be relatively small, and if the fluctuation is relatively large, the pressure will also increase. Borrowers can analyze the fluctuation range of loan interest rates of various banks for reference before applying.
2. Adjustment frequency of loan interest rate At present, most banks have agreed that in case of adjustment of the benchmark interest rate of the People's Bank of China, banks will adjust the loan interest rate accordingly on January 1 of next year. In addition, a few banks allow customers to float according to the borrowing date, that is, when the benchmark interest rate of the People's Bank of China is adjusted, the loan interest rate will be adjusted after one year of lending. Generally speaking, the longer the period of interest rate adjustment, the better for borrowers.
3. Expenses incurred in handling loans When handling commercial loans, generally there will be expenses such as loan contract notarization fee, insurance premium, mortgage registration fee, loan contract cost and evaluation fee, and the total amount may reach several thousand yuan, which the borrower cannot ignore. At present, some banks waive the above fees in part or in full, which is why borrowers should choose after comparison.
4. Loan cost At present, the interest rates of loans from various banks are almost the same. In the same loan period, the loan cost is mainly manifested in the bank's regulations on repaying loans in advance and adjusting repayment plans. Therefore, it is suggested that the borrower choose a bank that has no liquidated damages in repaying the loan in advance, has a low starting point for repaying the loan, and can adjust the repayment plan.
5. Loan services In terms of loan services, borrowers should choose banks with simple procedures and simple operations. When accepting loans, you can provide thoughtful loan consultation and handling services for borrowers, online banking and SMS prompt services, especially banks that can provide comprehensive personal financial services and value-added services for borrowers at the same time.
6. If you want to apply for a mortgage loan to buy a house, especially for the first time, the borrower can enjoy a certain interest rate discount according to various conditions such as personal income. As for the specific application procedures, each bank has different relevant requirements. In addition, different banks have different mortgage products, and even the same bank will launch different products in different periods. If the new products are more cost-effective, the conversion between different products can be realized by refinancing.