How to buy a house down payment is not enough to do? These six methods help you make up the down payment
4hw.com.cn: it has already become the view accepted by most people that house prices are rising and life is necessary. These also require us to buy a house by mortgage, make monthly repayment and pay off the loan several years later. However, the premise of buying a house by mortgage is to have a down payment. What if the down payment is not enough?
Friends and relatives
The family and friends group here includes not only the relatives including the seven aunts and eight aunts, but also the brothers who sleep in your upper or lower bunk when they go to school. Since you really want to buy a house, don't patronize your face. Ask them one by one to see who can support you and raise money. But if you have money in your hand, you must remember to return it to others first. It's not easy to praise money these days. We have to remember others' kindness in our heart.
bank loans
If you are a civil servant, there are policies and loans for civil servants. In this way, you may be able to raise funds through loans. However, the disadvantage is that you have to pay back both the mortgage and the down payment after you hand over the house. Life pressure is relatively high.
Family support
If you're lucky, your parents have a modest pension and maybe a deposit, then you can consider asking your parents for help. But remember, it's not easy for parents to be filial to them.
Small Treasury
Look at how much money you and your partner still have on their salary cards. In fact, it's not a small matter to buy a house. Therefore, when you plan to buy a house, you should make a good plan to see how much money you can save. The truth is that if you can't eat or drink, you will be poor if you can't calculate. As long as you pay more attention, you can actually save a lot of expenses.
broaden sources of income and reduce expenditure
We should not only reduce unnecessary expenses, but also find ways to see if we can make more money. After all, money is earned, not saved. If there are multiple ways to make money, the pressure of life may be alleviated, such as funds, stocks, or other ways of financial management. If you are sure, you may as well have a try.
reasonable arrangement
If you really feel that the house price exceeds the budget, and you feel that the pressure of life will be greater after you hand over the house, you can consider a smaller house, or a place with a slightly deviated location. There is no need to live under heavy pressure for a suite.