Although house prices are rising and not falling nowadays, there are still many people who will buy second homes. However, some people are not very clear about the loan when they buy the second suite, because there is a certain difference in the loan between the second suite and the first suite. Then, how can I get a loan if I have a house under my name? What should I pay attention to when I borrow a house? The following small series will take you to understand.

how to get a loan if you have a house under your name

If you still need a loan in the repayment stage, you can find a loan from a guarantee company. Because now many banks do not accept houses with outstanding loans as collateral. However, the guarantee company is acceptable. Most guarantee companies will provide short-term mortgage demolition services, which means that the guarantee company will pay off the balance first, so that the lender can re-qualify for the loan.

what should be paid attention to when taking out a house loan

1. When applying for a personal housing loan, the lender should make a correct judgment on his current actual economic strength and repayment ability, and at the same time make a correct and objective prediction on his future income and expenditure. For borrowers, if the house they buy is an existing house or a second-hand house, they can choose their own bank for loans. It is necessary to know that the more services provided by mortgage banks, the more detailed they are, which means that flexible and diverse personal financial services can be obtained.

2. According to the current situation, there are two repayment methods of individual housing loans. One is the way of equal repayment, and the other is the way of equal principal repayment. The main advantage of equal repayment method is that the borrower can accurately grasp the amount of monthly repayment and arrange the family's income and expenditure reasonably in a planned way. The repayment method of equal principal is more suitable for those who have strong repayment ability at the initial stage of repayment, and also more suitable for those who want to return a large amount of money at the initial stage of repayment to reduce interest expenses.

article summary: the above is all about how to get a house loan under your name and what you should pay attention to when getting a house loan. I hope it will help you. For more information, please continue to pay attention to Qijia. com.