Of course, finding a person with good credit status to guarantee his own loan really helps to improve the chances of loan approval. But not limited to local people, customers can also directly find a professional guarantee company. And if the customer's own qualifications are not up to standard, such as credit problems, or lack of stable income and insufficient repayment ability, even if the loan guarantor is found, it may not be able to successfully pass the examination and approval and successfully apply for a mortgage.
Therefore, the most important thing for customers is to pay attention to maintaining good personal credit and find ways to improve their comprehensive qualifications; When applying for a mortgage, prepare as much information as possible about economic income, assets and financial resources.
Matters needing attention in buying a house in a different place
1, and define their purchasing power.
If you want to buy a house in a different place, you must be clear about your purchasing power before buying a house. Full payment or loan? How much is the down payment and the monthly payment? Should be taken into account. Don't spend all your money on down payment, and don't let your monthly payment exceed one third of your monthly income. How much can I buy a house?
2. consider the real estate house on the spot.
If you buy a house in a different place, you must make a field trip. Whether the house is good or not won't be known until you see it on the spot. It depends not only on the quality and type of the house itself, but also on the surrounding areas of the house, whether there are pollution sources, whether the transportation is convenient, whether the surrounding facilities are mature and so on.
3. Be familiar with local housing policies.
If you buy a house in a different place, the policy of buying a house in a different place may be different from that in your city. Therefore, it is very important to be familiar with the local housing policy. Don't wait to see the house and want to trade, only to find that you are the object of purchase restriction. In addition, you should know whether you meet the conditions for buying a house.
4. Not superstitious about propaganda and advertising.
Some property buyers saw the hype and advertisements, bought the house on impulse, and finally regretted it. The so-called concessions of developers may also be reduced after the price increase. Therefore, when we are faced with propaganda and advertisements, we must be rational.
5. Read the terms of the contract carefully.
When you choose a house and prepare to sign a contract with the developer, you must read the terms of the contract carefully and check whether the attachments are complete. You should find out whether the terms are true and accurate, whether the rights and obligations of both parties are equal, whether the liability for breach of contract is fair, and avoid the "signing trap".
6. Fully understand the background of investment projects.
Under normal circumstances, the environment and price concessions of real estate are often easy to attract buyers' attention, but before placing an order, we must understand the legitimacy of the house itself and the future regional development. Don't blindly follow the trend, and don't buy small property houses because of greed.
7 legally sold houses must have "five certificates"
Only when you buy a house with complete five certificates can you successfully apply for the real estate license in the future.
In addition, we must ensure the safety of fund transfer. Buying a house in a different place needs to transfer a lot of money to the purchased city, so it is very important to ensure the safety of funds in the circulation process. Generally speaking, it is not recommended to carry cash, but to transfer money through the bank. You can choose telegraphic transfer, transfer, check, remote deposit and withdrawal, etc. Generally speaking, funds should be allocated to the account of the development enterprise to which the house belongs, not the personal account of the salesperson, which should also be noted.