① Reduce the down payment: Every city has a minimum down payment requirement for buying a house with a loan. When applying for a mortgage, buyers can choose to pay the down payment according to the minimum down payment ratio.

② Pay attention to loan methods: There are several ways to buy a house by loan, and different loan methods generate different interests, such as provident fund loans, commercial loans and portfolio loans. Although most people use commercial loans now, in fact, the interest rate of provident fund loans is lower than that of commercial loans, which can save more loan costs.

③ Pay attention to the loan term: When making mortgage loans, buyers should pay attention to choosing the loan term. If the buyers do not consider their own emergencies when choosing the loan term, the shorter the loan term, the lower the cost of buying a house with a loan.

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1, how to calculate the interest on the loan to buy a house?

① Calculation principle of equal principal and interest formula: the bank will charge interest on the remaining principal first, and then charge the principal of monthly contribution; The proportion of interest in monthly contributions decreases with the decrease of residual principal, and the proportion of principal in monthly contributions increases with the increase, but the total monthly contributions remain unchanged.

② Calculation formula of average fund monthly repayment amount = monthly principal = principal/repayment month monthly principal and interest = (principal-total accumulated repayment amount) x monthly interest rate 1, equal principal and interest method: calculation formula: monthly repayment amount = monthly interest rate of principal [(1) n/[(1) n-where n represents loan.

What are the ways to buy a house by loan?

There are three ways to buy a house by loan:

Housing provident fund loans II. Personal housing commercial loan. Personal housing portfolio loan.

First, housing provident fund loans

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

The housing provident fund paid by employees and the housing provident fund paid for employees by the employees' units are personal savings specially used for housing consumption expenses stored by employees in accordance with regulations, which belong to individual employees. When the employee retires, the balance of principal and interest will be paid in one lump sum and returned to the employee himself.

The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.

Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.

The second is personal housing commercial loans.

Personal housing commercial loan is a kind of loan that China citizens apply to the bank to buy commercial housing, and it is a self-operated loan issued by the bank with its credit funds.

Specifically, it refers to the commercial housing loan that a natural person with full capacity for civil conduct applies to the bank for repayment of the loan with the purchased property housing (or other guarantee methods recognized by the bank) as collateral when purchasing the self-occupied housing in the cities and towns of this city. Mortgage loan is a kind of commercial loan.

The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing guarantee loans from commercial banks, that is, bank mortgage loans.

As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment for house purchase, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan.

Matters needing attention in applying for personal housing commercial loans:

1. Make a comprehensive evaluation of the existing economic strength of the family, so as to determine the proportion of down payment and loan. Generally speaking, the loan amount approved by the bank is less than or equal to the loan amount applied for, so as to avoid the breach of the house sales contract due to insufficient loan amount.

2. Make reasonable expectations for the family's future income and expenditure. Carefully formulate the loan and repayment plan. If your expected income is risky and you have a large expected expenditure, it will weaken your repayment ability and thus affect your repayment credit.

3. Budget solvency. The repayment ability is an important basis for determining the loan amount, and its calculation method is: the average monthly household income MINUS the average monthly household expenditure, and the possible changes in income and expenditure should be considered in the calculation.

4. Budget the maximum allowable loan amount. The loan amount with the same monthly repayment ability is the maximum tolerable loan amount.

5. The down payment principle is loose. Don't run out of cash in the down payment, but leave funds for decoration, configuration, repayment, investment and entrepreneurship.

6. Evaluate the loan eligibility of the house you bought. If the house is too old, the loan ratio may not meet your requirements, and some housing banks do not lend, such as auction houses. So as not to affect your house purchase plan due to the inability to borrow or the insufficient loan amount, or even default due to the inability to pay the seller's house price due to the loan.

Third, individual housing portfolio loans.

Personal housing portfolio loan means that borrowers who meet the requirements of personal housing commercial loans can apply for personal housing provident fund loans while handling personal housing commercial loans. Borrowers can apply for personal housing provident fund loans and personal housing commercial loans from banks at the same time with the purchased urban self-occupied housing (or other guarantee methods recognized by banks) as collateral.

With the deepening of the reform of the housing system, the awareness of personal housing loans of banks is also increasing. Personal housing guarantee loan, which is a combination of housing provident fund loan and commercial loan, has become the need to establish a good housing finance system and realize the development of housing finance in China with equal emphasis on policy and commerce.

The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part should apply to the bank for commercial housing loans. These two kinds of loans together are called portfolio loans.

This business can be handled by the bank's real estate credit department. The interest rate of portfolio loan is moderate and the loan amount is large, so it is more chosen by lenders.

Relatively speaking, personal housing entrusted loans (provident fund loans) have the highest cost performance, and personal housing loans (commercial loans) have the heaviest interest burden.

The applicant for housing loan shall meet the following conditions:

1, at least 18 years old, with full capacity for civil conduct and legal and valid identification.

2 have a stable income and the ability to repay the principal and interest of the loan on time.

3. Agree to use the purchased property as collateral.

4. Signed a real estate sales contract with the developer.

How to borrow money to buy a house?

It is easy to buy a house with a loan, but it must meet the requirements of the bank and provide qualified application materials.

First of all, the information needed when buying a house with a loan:

According to the difference between first-hand houses and second-hand houses, the details are as follows:

1, first-hand housing mortgage loan

I bought a newly developed new house, and I need to use the newly bought property as collateral to apply for a mortgage loan for the lender myself.

Need for loan procedures: identity certificate, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, certificate of guarantee company, etc.

2. Second-hand housing mortgage loan

If you buy a second-hand house, you need to apply for a mortgage loan for the lender with the mortgage of the property you just bought.

Need for handling loan procedures: identity certificates of the buyer and the seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, income certificate of the buyer's husband and wife and proof of no house, etc.

Second, the housing loan requirements:

This needs to be decided according to personal qualifications. Did you buy a first-hand house loan or a second-hand house loan, a commercial loan or a provident fund loan? The high amount of first-hand housing loans is 70% of the property value, and the high amount of second-hand housing loans is about 50%. In other words, the first-hand housing loan down payment needs at least 30%, while the second-hand housing down payment needs more than 50%, and some banks need about 60%. The interest rate of commercial loans to buy a house is 6.9% for less than five years and 7.05% for more than five years. The interest rate of housing provident fund loans for more than five years is 4.9%.

Third, the housing loan problems:

There are many reasons why mortgage loan can't be done, so in practice, different situations have different treatment methods. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is an important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved. If there is no agreement or the agreement is not clear, it shall be handled according to the following principles:

1. developer's reason: if the developer sells a house that is not qualified for sale, that is, the developer fails to obtain a pre-sale permit or sells an existing house that is not qualified for use, the bank will not approve the loan when reviewing this situation. At this point, the buyer can ask the developer to refund the down payment and deposit and ask the developer to pay the corresponding interest loss.

2. Buyer's reasons: If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not approve the loan, and the buyer shall bear the liability for breach of contract.

3. Non-seller's reasons: If the government policies or bank regulations change and the loan that the buyer should get cannot be realized, the buyer should negotiate with the developer. If negotiation fails, there is no agreement in the contract. Property buyers can prove that they are not at fault and are really unable to buy a house, and ask the developer to repay the down payment and deposit.

Therefore, it is easy to get housing loans. The key is that you should prepare complete information and understand the legal knowledge contained in it. Familiar with the process of housing loan, handle it freely.