Matters needing attention in apartment loan
1. Although the apartment can be loaned, the loan interest rate will be higher than that of the residence and the down payment will be higher. The apartment belongs to commercial land, and the property right is generally 40 years, so the loan period of the apartment will be relatively short, generally not exceeding 10 year. And apartments can't apply for provident fund loans.
2. When applying for a loan, you should do what you can, and enough is enough. Some people think that the higher the loan amount, the better, but we should understand that loans need to pay interest. The higher the loan amount, the longer the loan term and the higher the interest.
3. The materials submitted for the apartment loan must be true and effective. If false materials are submitted to the bank, it may affect the audit and it is impossible to lend money. If the situation is serious, the loan can't be repaid, which leads to the mortgage of loans overdue. The developer has relevant regulations that require you to pay liquidated damages.
Matters needing attention in buying an apartment
1, pay attention to housing property rights
Because the property right nature of commercial housing is different from that of ordinary housing, we must pay attention to the type of apartment we like when purchasing. According to the relevant regulations, the nature of the right to use the house is consistent with the right to use the land, and the nature of the commercial house is only residential land, commercial land and industrial land. Property buyers only need to check the land use column in the property land use certificate to see whether it is residential or commercial.
2. Define the purpose of purchase
Before buying, you should also determine the purpose of your purchase. If you want to invest, it is recommended to choose a business apartment. Pay attention to whether the security system is perfect, whether the supporting facilities of the house and the surrounding traffic network are in good condition when purchasing. If you live by yourself, it is recommended to choose a residential apartment, because most commercial apartments are inaccessible to natural gas and the basic needs of life cannot be guaranteed.
3. The level of property management determines the rental rate of houses.
With the improvement of living standards, many owners have higher requirements for the quality of life. The quality of residential property directly affects the price of apartments. Buying a house must first ensure that the supporting facilities of the community are perfect, especially the commercial facilities. Secondly, the security measures in the community should be guaranteed, and the feedback from the owners should be handled quickly, so that your rent can be guaranteed.