What should I pay attention to when applying for a mortgage?
1, do what you can
The buyer of the loan is a long-term tug-of-war, and some people will choose to repay the loan in 20 or 30 years. Some people say that "there is pressure to have motivation", so these people directly chose a big house when buying a house, and as a result, they fell into the embarrassing situation of "losing money and housing"! In this regard, buying a house should be done according to one's ability, and the pressure can be appropriately increased. You know it's too late!
2. Give priority to provident fund loans.
Want to buy a house with a loan, the first thing to consider is the provident fund loan. Without provident fund, you can only choose commercial loans. The rising mortgage interest rate has undoubtedly greatly increased the pressure on buyers. Therefore, when buying a house with a loan, you may wish to give priority to provident fund loans, so that you can pay less interest. However, it should be noted that not all properties support provident fund loans, so you should ask about the situation before buying a house.
3. Prepare loan application materials in advance.
Loan procedures are very complicated, and lenders generally need to approve in advance, so as not to affect the loan progress. When applying for a mortgage, the bank will need the borrower to provide information, and many buyers have delayed the mortgage because of the problem of applying for loan information. Therefore, property buyers should first understand the details of the mortgage application from the loan bank and prepare the loan application materials in advance, which will undoubtedly speed up the bank's lending.
4. Ask the bank for help when there is no money to repay the loan.
Many people have encountered this situation, due to some accidents, resulting in a period of time can not repay the loan. The road to repayment is long, and once there is a major accident, the buyers may not be able to repay the loan on time. But no matter how difficult you are, don't abandon your house and cut off your mortgage, otherwise the consequences will be unimaginable. If you have no money to repay the loan, you may wish to ask the bank for help and apply for deferred repayment.
5. Keep personal credit information good.
Now is an era of the supremacy of credibility, and it is impossible to borrow money without good reputation. Good personal credit information is a prerequisite for obtaining bank loans. If you keep your personal credit information, you can not only get loans quickly, but also enjoy preferential interest rates. If your personal credit information is flawed, even if you successfully get a bank loan, you will often be asked to raise the mortgage interest rate and increase the down payment ratio.