is it worthwhile to buy a house with a loan?
1. First of all, as buyers, there are two commonly used repayment modes of mortgage loans. For us, one is the repayment method of equal principal and the other is the repayment method of equal principal and interest. As buyers, we should choose according to our own situation.
2. In the face of expensive housing prices, most people who buy a house will choose to buy a house with a loan, but a few people choose to pay in one lump sum. So, which is more cost-effective than buying a house with a mortgage loan and a one-time payment? The economic situation of each of us is different, and then the trend of the property market is constantly changing. It is difficult to have a standard answer to this question.
3. The monthly payment is more than half of the income. The threshold of mortgage is raised, and the interest rates of two sets and three sets are raised. The cost of mortgage will be higher and higher, and the situation of rapid housing price rise will not reappear. In the inactive state of second-hand housing transactions, it is not feasible to rely on bank loans to buy a house and speculate to earn the difference. In case of quilt cover, you have to pay a high mortgage, and the pressure can be imagined.
4. In addition, there are two commonly used repayment modes of mortgage loans at present, one is average capital repayment method, and the other is equal principal and interest repayment method, so buyers should choose according to their own conditions. Matching principal repayment means that the total amount of principal repayment is the same every month, and the total amount of interest will be less, but the repayment amount in the early stage is higher, and the repayment burden will be gradually reduced with the passage of time. This method is very suitable for people with high income at present, but it is expected that their income will decrease in the future, and it is also suitable for customers who intend to repay in advance. The equal principal and interest repayment method has the same amount of repayment every month, and the total interest under the same loan is more, which is suitable for people with high repayment pressure and stable income in the early stage.
process of buying a house by loan
1. First of all, if we have bought many houses by loan, or some property buyers are too old and have bad personal credit records, we can apply to the bank to change to the main lender. Parents, children or other immediate family members are the main lenders of the loan and provide the ability to repay the loan.
2. In fact, as the borrower of the loan, the buyer himself is involved in repaying the loan. Doing so will ensure the successful application for a mortgage. Then, if you can't meet the requirements of the bank because of your personal salary income (the monthly loan repayment only accounts for 5% of your monthly income), you can't apply for a mortgage smoothly. You can provide the bank with other income certificates except salary income. Such as housing lease contract, dividend income certificate, etc.
3. check the residential quality guarantee, residential use manual and completion acceptance record form of the house before the house inspection: pipeline distribution map-check whether the commercial house delivered to you is consistent with the commercial house signed in the contract to be purchased, and whether its structure is the same as the original design. Whether the housing area has been actually measured by the real estate department, check the Record Form of Beijing Construction Project Completion Acceptance for the whole building of the purchased commercial house. Only with this form can it be shown that the building has been accepted by the relevant departments. Work with the developer * * * to accept and hand over the purchased commercial housing.