What should we pay attention to when we do housing loan? We need to pay special attention to these points. Today, some netizens share their own loan experience. For those who need to buy a house, we can refer to them.
In mid October, I bought my own investment house. Paid down payment, only to wait for the loan approval down the loan.
In the case of the house, the total price is 41w +, the down payment is 22W +, and the loan is 19W
Although I only borrowed 19W, but it's also a loan. I have some experience sharing or friendship reminders about handling house loans:
1. To manage one's own credit, one must manage one's own credit.
My loan is handled by the Bank of communications after the sales appointment. Because the sales said that my two sets of loans can make 30% down payment, so I made an appointment with the Bank of communications. Originally, I wanted to compare them with those of other banks. Even if I think about it, the difference is not big.
At ten o'clock in the morning, at the appointed time, I went to the Bank of communications to find the manager who handled the house loan. As a result, I saw a customer in front of me. I heard that credit investigation was not good, and I couldn't handle the loan.
Then when reviewing my data, the customer in front was asking again, because it was a husband and wife. He said that if the woman's credit rating was good, could she loan alone? The bank manager said no, because it was a husband and wife who reviewed together.
Well, the customer's loan was refused. My credit investigation, of course, is no problem. Although there are many bank cards and credit cards, my credit investigation has four pages, but it has been kept well.
As for credit investigation, in addition to many credit card inquiries, after the display of post loan management, I found that there was a record of wechat banks last year. Did I lower the micro loan of wechat? I don't remember, but I haven't, but there are records, but it doesn't affect credit investigation.
2. Wage flow.
Because I am a self owned company or a freelance job, it's no better than working. There's no fixed salary to pay in every month. Although I provide more bank cards, there are 25 pages of paper in half a year, and the amount of money in and out is more frequent In general, 50-100w capital transactions per month are not very good, because the first thing the bank needs to see is that there is a fixed salary to pay in every month. Even if you pay in and transfer out immediately, there is no problem. But my current account is all current account. Generally, when you pay in, it will be transferred away soon. Some are capital transactions and some are financing. So, on the card The balance will not be too much, all, my running water seems not too ideal.
It is suggested that if you want to buy a house and apply for a house loan in the next year, you must have a salary in your account. Even for a self-employed or self-employed company like me, you can also pay yourself a fixed amount of money every month, with the remark of salary, so that the flow of water will be better.
Fortunately, there is a salary in my daily flow, which is fixed to me by my part-time company every month. I also explained this situation to the loan manager. She calculated that the salary can only be increased by twice. With my current flow, there is basically no big problem. Thank you!
Because I only borrowed 19W for 20 years, the interest rate went up by 20%, the equal principal was repaid, and only 1700 was repaid every month at the beginning, so the flow is basically OK. In the afternoon, my colleague's relatives did the house loan. Because the salary flow was not enough, they changed to another bank to handle it. Maybe the requirements of each bank are different.
3. Down payment and loan interest rate are both negotiable.
In principle, the down payment for my second apartment is 40%, but in the process of fighting wisdom and courage with the sales manager, he said that he could apply for 30% down payment for me, and then the interest rate went up by 20%, When I was dealing with the house loan, I asked the bank's account manager if the interest rate was too high, could it rise 10-15%. The bank manager said that the policy is tight now, the first set should rise 10%, you are two sets, basically 20%, but if you buy financial insurance in our bank, the interest rate can apply for 15% rise. I asked the account manager to help me figure it out, There's no big difference between 15% up payment and 20% up payment, so 20% is accepted later, so there's no more trouble. Besides, the bank's Insurance and wealth management products have only 4% income, which is too low, so there's no application to reduce the interest rate.
This is basically the problem about the house loan. I hope it will help you who want to buy a house. In addition, there is a small episode. Because my own company doesn't have a fixed line phone installed, the fixed line phone on the income certificate is from a friend company downstairs. After I handed in the data, I confirmed it with my friend. As a result, I found that the fixed line phone she gave me has been relocated in recent days That is to say, she can't answer the phone. Besides, there is a voice prompt from her company after the call. I feel dizzy, So, I temporarily told the bank's customer manager that the fixed line telephone was wrong, and then provided another fixed line telephone of another friend company. The customer manager added another phone number to my income certificate. Alas, I was a little worried about a little mistake, but the sales consoled me that it should be ok.
Therefore, my down payment and housing loan processing are basically very smooth. However, because the loan contract of the bank has been revised, I have to sign the contract once again, and then wait for the loan to be approved and start to repay the loan.