1, you can try to choose a small apartment, because the total price of a small apartment will not be too high, so the pressure of buying a house will not be too great, and you can buy a house twice in the future to improve it.
2. The way of mortgage should be appropriate. Because your salary is not particularly high, you can try to choose provident fund, because the interest rate of provident fund is relatively low, which can save a lot of interest.
3. The repayment method is also very important. If you say that your funds are really tight, you can choose the same amount of principal and interest, so that the monthly payment will remain unchanged.
Can I change my name after I repay the loan property certificate? After the loan is paid off, the real estate license can be renamed, but some taxes and fees need to be paid when changing the real estate license. Please consult the local real estate trading center for details. If it is a house that is still repaying the loan, it can't be renamed casually, because this kind of house is generally still in a mortgage state, and the ownership of the house does not necessarily belong to the property owner. Be careful not to change the name of the real estate license casually. If you want to change your name during the repayment period, you must pay off all bank loans in advance, and then go to the housing management department to cancel the mortgage status before you can change your name. If couples want to add their names to the real estate license, the formalities will be more troublesome, but there is no need to add names, because what they buy after marriage, whether it is one person's name or two people's names, belongs to the same property after marriage.
Is it better to pay more down payment or less? Pay more down payment when buying a house. Because the down payment is paid, the loan principal will be less, the loan principal will be less, the interest paid by the bank will be less, and the monthly payment will be less. If the funds are tight in the early stage, you can make a down payment of 30% and use commercial loans or provident fund loans for the rest. The interest on provident fund loans is slightly lower.
The above is the answer to the most cost-effective question about how to buy a house without money. If you have no money, you can borrow some money from relatives and friends to make a down payment. The rest can be used as provident fund or commercial loan, or you can mortgage it first. Other property can be used to make a down payment.