It is generally easy to get a home loan. The key is to look at your personal qualifications. Here are some suggestions about home loans. I hope it will be helpful:

Pay attention to the financial affordability of the family. , it is recommended that one person of the couple should bear the housing loan financially, and the other person should bear the financial expenses of life. This is the best. Excessive loan amount will affect the quality of life. 2 Loans are divided into three types: pure provident fund, pure commercial loan, and combination type;

If you have the conditions, it is best to choose a pure provident fund loan. The interest rate is very low, and the repayment can be directly deducted from the provident fund, which is convenient. However, the provident fund loan requirements are relatively high. You apply for a loan amount based on your monthly payment, and the house needs to be old. Some old second-hand houses are not allowed to be loaned. Commercial loan conditions are relatively generous. Which bank loan to choose depends on many aspects. Generally, choose a big bank with the highest interest rate discount and a certain strength;

There are many repayment methods, such as equal repayment, equal principal repayment, etc., and the loan period The maximum loan period for second-hand houses is 30 years. The loan period for second-hand houses is calculated based on the construction time. Some second-hand houses have a very short loan period. You need to ask the bank.

One thing you should also pay attention to when buying a house with a loan is that the loan amount you apply for requires bank approval. How long does it take to get a loan? If you are eager to buy a house, it is best to ask the bank. If the bank is short of funds, it can take up to a year. If two people have housing provident funds, they can use the other person's provident fund for a loan. This can reduce the pressure and burden on the family, and the funds can be circulated, leaving more remaining money on hand to invest in other places. If you use the housing provident fund, the interest will be quite low.