Paying back the loan every month, the pressure will be great if the work is not enough, and the bank will take back the house.

Second, what are the risks of buying a house with a loan and what factors should be paid attention to?

First, we should correctly estimate our economic affordability and avoid "impulsive" consumption.

In order to live in a new house as soon as possible, many families often overestimate their financial affordability when applying for bank loans. After paying the down payment and the interest on the loan amount, the contribution will be insufficient, leading to default. If you don't pay it back within the time limit, you will be visited by the bank, and you may choose a passive disposal method, but you can't live in a new building if you spend money.

How to avoid playing the role of "Monday morning quarterback"?

You might as well try this: three months before you decide to buy a house, withdraw the down payment and the first repayment when you buy a house from your family savings and deposit it in a current account. Of course, the money in this current account must not be moved for three months. If you really do this, you will accurately measure your psychological endurance and non-professional income-generating ability, that is, the "anti-risk ability" in the general sense, which is simple and effective. To tell the truth, the nervous mentality needed during the repayment period can't be calculated by counting your fingers alone.

Second, understand the economic strength of real estate pre-sale developers.

In order to solve the problem, some real estate developers with poor economic strength use pre-sale loans to raise funds. In this case, once it fails, the building can't continue to be built, and it can't be delivered on schedule or even reluctantly, which will cut corners and lead to building shrinkage or other quality problems. Therefore, when making a pre-sale loan, we must first understand the strength and credibility of the developer and think about whether we can trust it before making a decision.

For a company engaged in real estate development for a long time, you can ask what commercial housing projects it has developed. From these development projects, you can see how strong this company is; Be cautious about the project company temporarily established for the new project. If the location of its real estate is always flat or has been dug for a long time even if the seller promises the completion date, then you should be careful. Remember, there are many elements in the sales girl's promise that will not be written into the sales contract.

Third, don't pay the deposit in a hurry, first understand the bank's support attitude towards the loan application.

Many property buyers mistakenly believe that banks should approve loan applications as long as they choose properties supported by bank loans. In fact, after accepting the loan application of buyers, banks should also review the qualifications of buyers from the aspects of civil subject qualification and repayment ability. If the application does not meet the requirements, the bank loan will not be supported. In this case, if you sign a house purchase contract with the developer first, it will cause financial passivity, or be forced to choose other payment methods, or affect your own financial arrangements, or even give up buying a house, resulting in the loss of deposit.

From the above three aspects, property buyers can be more active in the arrangement of loans. Of course, in case the loan policy changes, it is necessary to analyze the specific situation of buyers, so that they can get the house payment more smoothly and safely and live in a new house.

Third, why is the risk of real estate loans low?

When funds are insufficient, many people will borrow from banks, but the loan is risky. At present, the risk of real estate loans in the market is relatively low, and many people are puzzled. So why is the risk of real estate loans low? What is the real estate loan risk? Let's take a look with Bian Xiao.

First, why is the risk of real estate loans low?

1. At present, the proportion of real estate loans in various banking businesses is not very high, especially in large banking businesses, which are generally below 8%, and the lower is 6% to 7%. Real estate loans in some small and medium-sized commercial banks will be slightly higher, about 10%.

2. If the real estate market as a whole is relatively stable and there is no major systemic risk, then the risk of real estate development loans will not be great. For commercial banks, the income from real estate loans is good and relatively stable, and commercial banks must do it again.

Real estate is one of the most important industries in China. With the development of cities and towns in China, the real estate industry in second-and third-tier cities in China still has a broad space for development, which will be a very important business for commercial banks.

4. Since China was hit by the international financial crisis in the second half of 2008, the price of the real estate market has declined, but the credit of the real estate industry has remained relatively stable. After the second quarter of 2009, it began to pick up, so the price of the real estate market began to rise, and banks correspondingly increased the proportion of real estate loans, but it did not increase significantly.

Second, what is the real estate loan risk?

The risk of real estate loan refers to the possibility that a loan issued by a real estate financial institution will suffer losses due to various uncertain factors in economic and financial activities. The risk of real estate loan is reflected in the risk that the loan funds will not be recovered on time or the loan will depreciate when the real estate loan date expires.

Be cautious when making real estate loans, because real estate loans have certain risks. The above is about why the risk of real estate loans is low and what is the risk of real estate loans. Friends in need can learn more about it.