What are the conditions for a house loan?
1, a natural person who has reached the age of 18 and has full capacity for civil conduct and full capacity for civil liability, and has a permanent residence for urban residents or a legal and valid residence certificate;
2. Pay the down payment;
3. Have a stable legal income and the ability to repay interest;
4. At the time of application, the purchaser has its own funds not less than 20% of the purchase price;
5. The borrower agrees to use the purchased house and its rights and interests as collateral;
6. The purchased second-hand houses have clear property rights and meet the conditions stipulated by the government for entering the real estate market;
7. The purchased house is not within the scope of the demolition announcement;
8. Other conditions required by the lending bank.
Besides meeting these conditions, it doesn't mean that you can get a loan and buy a house you like. Therefore, as long as it is a friend who is ready to buy a house, it is good to find out the following questions before the loan, so as to ensure the smooth handling of the loan.
Why should I borrow as much as possible to buy a house loan?
1. The future money will depreciate compared with the present money.
It is possible to earn more in the future than now. Buying a house with a loan today is the result of enjoying tomorrow in advance. The average annual inflation rate calculated by some unofficial people is 10.68%. If the loan interest rate of about 4% is deducted, it is very cost-effective to buy a house with a loan.
2. Leave room, and cash flow is king.
If it is a working family, the monthly income is relatively fixed, and it takes some time to accumulate the water in the family cash flow pool. Leave some cash for yourself.
The money later caught up with an opportunity to buy corporate bonds, with low risk and annualized rate of return 12%. The bank loan interest rate is 10% for commercial loans, and the interest rate of 4.4 1% seems to be very high, but as long as the financial yield is higher than this figure, I will still make a profit on the whole. Even without this investment opportunity, with my financial management study and practice in recent years, it is not difficult to beat the loan interest rate. More importantly, "I don't panic when I have food in my hand", and the feeling of holding cash in my hand is much more practical than "empty-handed".
3. Monetary leverage magnifies family wealth.
Financial experts say that "China's economy has been on the rise for a long time, and the growth and bubble of wealth are * * * phenomena." For ordinary people, relying on work-related income alone is far from keeping up with inflation, and hard-earned money is eroded unconsciously.
Debt has a leverage effect, which can help ordinary people enlarge their existing wealth. When the ancients created characters, the word "debt" was "a person's responsibility". In the commercial society, a person who dares to be in debt is a person who dares to be responsible for the future. Appropriate leverage will gradually increase the property income of ordinary people. When this proportion increases gradually, one's dependence on occupation will become less and less. Now the investment house we buy can generate 2000 yuan rent every month, which is a good property income.
Of course, the loan amount should be based on the actual situation of your family and consider the repayment ability. The household asset-liability ratio does not exceed 50%, and the monthly repayment amount does not exceed 30% of the monthly income.
(The above answers were published on 20 17-05-03. Please refer to the current actual purchase policy. )
When buying a new house, go to Sohu Focus.