Now the loan to buy a house has become one of the most important ways for house buyers. More and more people buy a house through loans. Many friends don't know what problems they should pay attention to, which has been bothering them all the time. If they don't know the relevant procedures, it's also a waste of time for both parties to handle them. Then what procedures do they need after the mortgage comes down? What should we pay attention to when handling housing loans? Let's have a look.
When the mortgage comes down, do I have to go through any procedures?
1. Commercial loans will be simpler. As long as the bank confirms that you have the ability to repay, you can make a commercial loan. However, the interest rate of this loan may be a little higher than that of the housing provident fund.
2. If you need a local resident, you should provide proof of your local account. And a guarantor in the city. The first point is explained in detail.
3. The loan of accumulation fund is relatively complicated, but its advantage is that the interest rate is lower. It is more recommended to use provident fund loans (more cost-effective), but the procedures are relatively more.
4. What the housing provident fund needs is a local registered permanent residence. If not, move the registered permanent residence as soon as possible. Some of them are foreign provident funds. Now that the provident fund policy has been relaxed, foreign provident funds can also be used, but we still need to consult the provident fund in advance, so that we can be more assured. It seems that some provident fund policies have not been fully relaxed, so we need to understand the situation.
5. Of course, if you are married, you need to write the names of both of you on the real estate certificate, a copy of each other's ID card, credit information and marriage certificate. These are all things you need to prepare, and the rest is for the seller to help you.
What should we pay attention to when handling housing loan?
1. If the applicant has credit card overdue records or loan overdue records, or other things that damage credit, in order to save in time! Personal credit is one of the decisive factors for the success of loan application. If the credit is good, the feasibility of passing is great, and the loan is likely to be refused.
2. To apply for housing loan, we need to sign a loan contract with the bank. The loan contract is an important legal document. As the loan term can be up to 30 years, the borrower should keep the loan contract properly to prevent loss.
3. For the loan line, although the more the better,. Because the amount is large, there will be more monthly payments and more interest. But we should also act according to our ability, which may cause pressure on our life, so we should consider our own situation comprehensively to make loans.
The above is the mortgage down, what procedures do I have to go through? What should we pay attention to when we deal with the housing loan? When we wait for the result of the loan, I believe we are also anxious. I can also understand this kind of mood, although we have never experienced the purchase of a house. In fact, while waiting for the mortgage, you can also prepare some information that needs to be submitted after the mortgage comes down. When the mortgage comes down, you can handle it immediately.