Mortgage loans are very common now. This way of buying a house can alleviate the pressure on most families to buy a house. So what do you know about housing loans? What are the ways to buy a house by loan? How to choose the repayment method that suits you? Let's have a look!

What are the ways to buy a house by loan?

There are also several kinds of housing loans. The following is edited by Bian Xiao:

1, provident fund loan (this is only available to residents who have participated in the housing provident fund payment, and the low-interest loan is very cost-effective, but it may not be needed for residents who have just participated in the provident fund payment);

2. Personal housing commercial loan (the loan method that most people choose, but the first thing to do is to meet the down payment of the existing house payment. This is a way to obtain loans through mortgage, which also has certain requirements for personal credit);

3. Housing savings loan (the interest rate of housing savings loan is also relatively low, which is a planned special savings).

Choice of repayment method of house purchase

1, average capital repayment method (suitable for groups with little family pressure, and borrowers can gradually reduce their burden with the increase of repayment period);

2. Matching principal and interest repayment method (more suitable for groups with poor economic conditions but stable income, the proportion of principal in monthly repayment increases month by month, and the proportion of interest decreases month by month. );

3, installment repayment method (suitable for young people who have just joined the work and are financially strapped. This repayment method allows customers to have a grace period of 3-5 years, and then it will be changed to the policy repayment method);

4. One-time repayment of principal and interest (applicable to business activities or short-term loans);

Editor's summary: The above are some introductions about the ways and repayment methods of house purchase loans, hoping to help buyers, and everyone can choose the repayment method that suits them according to their own economic situation.

Second, how do individuals borrow money to buy a house

Take your individual business license to the bank to prove it! And the tax payment certificate! Give it to the interview manager of the bank! He will tell you how much you can get! To what extent! According to the current 20% down payment, if you need a loan of 70,000 yuan, the monthly payment will be around 2,000 yuan in 20 years! Your monthly income will be 4300 yuan, which is the most suitable! Because the monthly income of quality customers is 2.3 times to 2.5 times that of mortgage, which is 2000(2.3 or 2.5).

3. What is the declaration method of personal income tax mortgage?

Personal income tax mortgage declaration method is as follows:

1, declared by the withholding agent. Special additional deduction information that needs to be submitted, calculate the tax that employees should withhold in advance, and then report to the tax;

2. The comprehensive income is normally deducted from the salary of the current year, and then the taxpayer will go to the tax authorities to refund the tax in the second year.

First of all:

1, information to be prepared before the declaration of personal income tax mortgage, loan contract;

2. Click on the housing loan interest in the personal income tax software;

3. Check personal information after entry and fill in relevant mortgage information;

4. Choose your own loan method and then fill in the loan information;

5. Spouses should fill in relevant information and choose the deduction ratio according to their own situation;

6. Finally, choose the declaration method according to your own situation;

7. According to the declaration method.

Second, individuals have the following points:

1, salary income;

2. Income from the production and operation of individual industrial and commercial households;

3. Business income of enterprises and institutions;

4. Income from remuneration for labor services;

5. remuneration income;

6. Royalty income;

7. Income from interest, dividends and bonuses.

In a word, both declaration methods provide tax reduction benefits, but the enjoyment time is different. In addition to the above taxable items, other taxable income shall be determined by the financial department of the State Council.