When purchasing a general house, when choosing a mortgage loan, there will be a record of his other rights on the house ownership certificate, indicating the owner of his other rights and the type of rights (such as mortgage and pledge). ), the scope of the right (the housing scope of his right), the value of the right (the rental price of his right), the term of the right (the lease term), and the cancellation date (the date when his right disappears).
Extended data
Matters needing attention in loan are as follows:
1. The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed of any changes in time.
2. The loan purpose should be legal and compliant, and the transaction background should be true.
3. According to your repayment ability and future income expectations, choose the repayment method that suits you.
4. Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income.
5. Read the terms of the contract carefully and know your rights and obligations.
6. Repay on time to avoid bad credit records.
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.
8. prepayment must be handled by communicating with the bank one month in advance.
9. When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment). Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.
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