Buying a house by loan has become a very popular way to buy a house at present, but what preparations should be made before buying a house by loan? Or what needs to be clarified? Let's look at these four aspects together.

Question 1: Is the down payment enough?

The first suite needs to prepare at least 30% down payment, and the second suite needs to prepare at least 40% down payment. In addition, interest rates should also be considered.

Although the interest rate of the first suite is based on the benchmark interest rate, the interest rate of the second suite will go up by 10%, so we should have a full estimate of our loan ability, and the monthly income should be about twice the monthly payment, so that the mortgage can be easily and smoothly approved.

Question 2: How to choose a loan bank?

Although some developers have designated banks, it does not mean that they can only choose designated banks. If it is a second-hand housing loan, it is even more important to choose a good bank.

How to choose the right bank to handle the mortgage can be considered from these aspects: the speed of lending, the agreement of early repayment, the way of interest adjustment and so on.

Question 3: How to choose the repayment method?

At present, there are two main repayment methods for bank loans to buy a house, one is equal principal and interest, and the other is average principal.

The total interest of equal principal and interest will be higher, but the monthly repayment pressure will be much lower. Although the average capital interest rate is low, the monthly supply in the early stage is high and the pressure is high, which is suitable for high-income people.

Question 4: How to choose the loan term?

In the case of fixed interest rate and fixed amount, the longer the loan term, the higher the interest, and vice versa.

We need to know that it is unwise to borrow money too long or too short. Too long, high interest, too short, high monthly supply, you need to make a choice according to your actual situation.

In addition, when applying for a loan to buy a house, it is best to prepare the complete information required by the bank. The information is true. You must understand that if you apply for a loan, you must repay it on time and don't let your credit record be damaged.

(The above answers were published on 20 17-06-27. Please refer to the actual situation for the current purchase policy. )

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