Life will always encounter some ups and downs, we need to face, sometimes God is love to joke, there are many friends have encountered this kind of thing, it is not easy to get together the down payment to start buying a house, originally was elated, but there are problems in the loan, resulting in the loan can not come down, so, buy a house after the down payment can not do mortgage how to do? How much down payment is appropriate?
After buying a house to pay down, can't do mortgage how to do
1. The general real estate developers will let you go to other banks for loans first, but if the loans can't be approved, it depends on why you don't approve them. If it's because of the ability to pay, you will be asked to extend the repayment period.
2. Now the whole trend is that banks are tightening, so lending will be slow. And you pay the down payment, signed a loan contract, and if the amount of the loan is insufficient, it is generally necessary to make up in cash. Generally, it's not because of your own credit or incomplete materials, so it's rare that you can't get approval, so you should make full preparations in advance.
3. If you are really worried about the refund of the down payment, you can only negotiate with your parents. The main purpose is to terminate the contract, so as to achieve mutual non breach of contract, mutual non responsibility and compensation. If you don't want to, you can make an agreement on the compensation. It depends on how you negotiate.
4. Before signing the sales contract, we should negotiate with the home. If the bank has no money, so the loan is slow, it is not a breach of contract. And if it is because of their credit problems, then you have to bear the responsibility for breach of contract. Because of the tight capital collection of banks, the lending of commercial loans is relatively slow, while the lending of provident fund loans is quite fast.
How much down payment is appropriate
1. How much down payment is suitable seems to be a question that has been asked more often. The common answer is: it varies from person to person. The reason why there is such an answer is reasonable. Generally, the people's Bank of China will stipulate the proportion of down payment of housing loans. There are differences between restricted and non restricted cities, and between banks.
2. When buying the first house in Beijing, Shanghai, Guangzhou and Shenzhen, the down payment requirement is 30% lower. However, most second tier cities like Tianjin stipulate that the down payment for the first house purchase is 20% lower. Banks all over the country have different requirements for 'first house purchase'. Some of them require people who have never bought a house before and do not have a house in their name, Some of the requirements are the people who have no house or a flat loan has been settled.
3. For those who buy a second suite, the situation is more complicated, and the recognition standards of second suite vary greatly from place to place. For example, according to Beijing regulations, if there is a suite under the name and the loan has not been paid off, then the second suite will be paid off, and the down payment standard for the first suite will be implemented. In Shanghai, it's different. As long as you have a house under your name, no matter whether you have a housing loan record or not, you will follow the down payment standard for the second house.
The above is to buy a house after the down payment can not do mortgage how to do? It's hard to say how much down payment is suitable for a house. Many people are thinking with a fluke mind. I'm sure I won't come across this kind of thing. But before you buy a house, you should first understand the conditions of the loan, and then compare it with yourself to see if you can meet the standard. If you can meet the standard, I believe you won't encounter this kind of thing, So we need to know everything in advance.