Why the less down payment, the better
Because the mortgage interest rates in major cities are constantly decreasing, under such favorable conditions, you should try to apply for the highest amount when applying for a loan, and the interest to be paid later will not be too much. Even if you can't afford it in the end, you can still apply for an additional mortgage. But no matter how you choose, it is within the scope of personal debt tolerance, and you can use the remaining money in your hand to make other investments and get more income.
Matters needing attention in buying a house by loan
1, preliminary preparation
Everyone's financial strength is different. Some people with poor financial strength have poor bank notes. Before buying a house, it is best to deposit some money into the account regularly and increase the deposit record of the account, which can effectively increase the pass rate of loan review.
2. Try to borrow whole numbers for loans.
The amount of bank loans is mainly an integer, not thousands, so don't take any chances, and you must apply for loans in strict accordance with the requirements.
3. Quit as little as possible before buying a house.
Once you decide to buy a house, you'd better not change jobs frequently. High frequency of resignation will also affect loans.
4. Try to let the openers choose banks.
Try to let the developer choose the bank for the loan, so that even if the loan is not approved, the responsibility is not yours, and the developer can help you find a way.
Summary of the article: The above is about why the less the down payment, the better, and the precautions for buying a house with a loan. I hope it will help everyone. For more information, please keep an eye on Qijia. com。