1. Apply for a loan amount according to your own ability: Under normal circumstances, the monthly repayment amount does not exceed 50% of the total family income; According to your repayment ability and future income expectation, choose the repayment method that suits you.
2. Submit true and legal information: provide true information to the bank, accurately provide my address and contact information, and notify the bank in time when there is any change. The use of loans must be legal and compliant, and loans cannot be used for stock market transactions.
3. Read the terms of the loan contract carefully: the contract is very important, so that you can understand your rights and obligations. Especially the very important terms such as loan term and repayment, you should read them carefully so as not to bring trouble to yourself.
4. Repay on time: Repay on time to avoid bad credit records and even being punished.
5. Pay off the loan registration: don't lose the loan contract and iou. For buying a house mortgage loan, don't forget to cancel the mortgage registration after paying off the loan.
The above is the introduction of what problems should be paid attention to when buying a house with a loan. I hope it works for you.
What are the conditions for buying a house loan?
Most people are not well-off economically, and they have to pay a high price to buy a house, so many people will choose to borrow money to buy a house. So what are the conditions for buying a house loan? What are the precautions for buying a house loan? Let's take a look with Bian Xiao.
1. What are the conditions for a house loan?
1. The lender has stable professional and economic income, good credit and the ability to repay the principal and interest of the loan.
2. The town where the house purchased by the Lender is located (including urban area, county town and big market town) shall, in principle, be the Lender's current residence or the place where he works and operates.
3. The lender has signed a commercial housing sales contract, and paid the down payment of the house stipulated by the bank according to his personal credit situation, and paid at least 30% of the purchase price.
4. The Lender agrees to go through the mortgage registration procedures for pre-purchased commercial housing first, and promises to go through the mortgage registration procedures again with the house and residence it purchased as the mortgage before the completion of the purchased commercial housing and after obtaining the real estate license.
5. The loan amount is determined according to the lender's credit status, occupation, education, repayment ability and the liquidity of the purchased house.
Second, the housing loan matters needing attention
1. Make sure that the seller's double certificates are complete during the transaction. When signing the house sales contract, all the * * * on the property certificate must be signed by myself before it can take effect. It is necessary to prevent others from signing or someone from missing the signature.
2. Before the transaction, be sure to make clear all the detailed expenses that should be paid as far as possible to avoid adding various miscellaneous fees in the middle, because the expenses involved in the whole process of buying a house are not collected at one time.
3. Well-known celebrities or formal, large-scale and reputable real estate intermediary companies should be selected as the supervisors of the delivery of funds and houses by buyers and sellers, and it is necessary to ensure that the transfer can be smooth after the payment, or the houses and funds are clear after the transfer.
4. Buyers need to pay attention to whether the house they buy is in a mortgage state, so as to determine the transaction time and occupancy time. Because the loan time after the transaction between the buyer and the seller cannot be delayed for too long, otherwise it will bring a lot of unnecessary trouble.
5. Before buying and selling the house, the buyer should make clear the conditions and related expenses needed for buying and selling the house by loan, so as to prevent the transaction loss caused by the loan problem after buying and selling the house.
6. Registration of property rights at the time of delivery, and transfer of water, electricity, cable TV, gas, etc. And carefully check the details of the house to avoid finding these problems after delivery and causing expenses.
If you want to buy a house with a loan, you need to pay attention to the process of handling the loan and prepare relevant documents and materials. The above is an introduction to the terms of housing loan and matters needing attention in housing loan. Friends who want to buy a house with a loan can learn more about it.
What problems should I pay attention to when buying a house with a loan?
1. Housing loan conditions 1, natural persons (Hong Kong, Macao and Taiwan and foreigners are also allowed) 18-60 years old. 2. They have a stable job and income, and can repay the loan principal and interest on schedule. 3. The actual age of the borrower plus the loan application period shall not exceed 70. 4. There are legal and effective contracts and agreements for the purchase, construction and repair of houses and other supporting documents required by the lending bank. 5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses. 6. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors. Second, what problems should I pay attention to when buying a house with a loan? 1. Make good use of the provident fund Because the interest rate of provident fund loans is relatively favorable, it is very important for customers who pay the provident fund every month to make good use of their own provident fund. At present, the amount of provident fund loans applied by customers generally does not exceed 80% of the total house price at most, and the longest loan period is 30 years; The commercial loan amount (above 90 square meters) shall not exceed 70% of the total house price, and the longest loan shall be 30 years; The construction area of a single set of one-hand self-occupied housing is below 90 square meters (including 90 square meters), and the maximum loan does not exceed 80% of the house price according to the customer's credit status; At present, the loan amount of portfolio loans is the sum of provident fund and commercial loans, which does not exceed 70% of the total house price. 2. Choose a bank through multi-party comparison. Different commercial banks have choices in down payment ratio, loan term and loan interest rate. For different customer groups, there are corresponding personal loan schemes. Some commercial banks provide mortgage refinancing services. If customers have already applied for personal housing loans in these banks, they can also transfer their housing loan business to a bank that is more suitable for them. 3. Comprehensive measurement of interest rate Preferential interest rate is the most important price factor in mortgage. In recent years, many commercial banks have launched fixed-rate personal housing loan services, allowing buyers to choose fixed-rate loans or floating-rate loans according to their own judgment on the interest rate trend in a certain stage in the future. Moreover, most banks can flexibly switch between fixed-rate loans and floating-rate loans. 4. Repay on time to avoid penalty interest. It is very important for customers to ensure timely repayment every month after handling mortgage loans. If you don't repay the loan in time because of carelessness or other reasons, you will not only pay the penalty interest to the bank, but also affect your credit history. This kind of loss is far from being compensated economically. Therefore, borrowers must have a long-term and cautious consideration of their repayment ability when handling personal housing loans.