Now the price of real estate is more and more serious. It is a big event for us to buy real estate. After all, the families who can pay in full account are in the minority. So when buying a house, can the down payment be a loan? How to apply for a salary loan? Let's see.
1. Borrow money from relatives and friends
This is a very common and common way. If you're lucky and your parents have a modest pension or a savings account, you can consider asking your parents for support or asking for help from seven aunts. This way can be paid back at any time in the future. However, we must also bear in mind that no matter how large or small a loan is, we must make a good IOU and keep it within the scope of one's ability. As the saying goes, it is not difficult to borrow again.
2. Resale of valuables
If you have an old car, house or other valuables at home, you may as well sell it. Generally speaking, unless there is a large gap, or when a large amount of money is needed, this method may be adopted. This way of cash transfer cycle is relatively long, if you really need to use this way, you must first find a good seller, and then buy a house is cost-effective.
3. Clever use of provident fund
Pay accumulation fund should use good accumulation fund, because accumulation fund can draw. However, it should be noted that the provident fund can not be directly used for down payment, and the deposit balance of provident fund should be withdrawn with the purchase contract and relevant bills.
4. Realization of marketable securities
If you buy funds, stocks, etc. on weekdays, you can sell them when you need money. Although you may lose part of your funds in a hurry to cash them out, it is also a way to do so when you can't borrow money.
5. Using credit cards
If the gap of down payment is not large and can be made up in a short time, then you can brush credit card to pay down payment. Some commercial banks have higher credit card limits and can also be phased. If the fixed quota is not enough, the temporary quota can also be increased. However, it is still recommended to consult the bank whether it can do so to avoid being judged by the bank as arbitrage.
6. Opening up sources and reducing expenditure
We should not only reduce unnecessary expenses, but also find ways to make more money. After all, money is earned, not saved. If you can have multiple ways to make money, the pressure of life may be relieved, such as funds, stocks, or other financial management methods. If you are sure, you may as well try it.
7. Apply for 'salary loan'
Generally, banks will not lend money without down payment, but there will always be exceptions. If you are a civil servant with policy support, there will be a "salary loan" for civil servants. In this case, you may be able to raise funds through loans, provided that the status of civil servants is the premise. Institutions and personnel within the establishment can also apply. In addition to institutions and staff, some enterprises also have similar benefits.