Matters needing attention in buying a house with a loan:
I. Loan preparation
Some people's wages may not be high, and most of them use the down payment at home to buy a house. Your bank running bill may not look good. Before you buy a house. It is best to make a beautiful running account. Save a little money in the bank card every month. In this way, there is a deposit record. Will increase your approval rating. The current bank account is twice as much as the monthly loan you need. Some banks need to keep a running account of more than 5000 yuan. Have a plenty of no matter how much.
Second, try to borrow in whole numbers.
Because bank loans are all integers. Will not lend Qian Qian absolutely. If you're lucky. Thought it would pass. It is difficult for banks to get loans when loans are tight. So if conditions permit. Try to borrow integers. For example, you want to borrow 325 thousand. Try to borrow only 320 thousand.
Third, try to quit as little as possible before buying a house.
If your job is always changing. Loans are difficult. If you want to buy a house. Try to stay in one company. If you want to resign, wait until the loan is issued.
Fourth, try to let the openers choose banks.
Because if you choose your own bank. If the loan is not issued. It's your duty to do that. If the developer chooses a bank. The loan was not issued. You can also force the developer to help you find a way. If you don't issue loans, even if you insist on choosing a bank, you will be held accountable. Developers will certainly not have any responsibility.
Verb (abbreviation of verb) Precautions in house inspection
1. Avoid deposit trap
Many developers will play as many preferential activities as possible. how much is the deposit? Some developers will refund the deposit. Some retired for various reasons. So if you pay a deposit, you must be optimistic about the deposit contract. And Chinese characters. Broad and profound. Although the meanings of "Ding" and "Ding" are similar, they are quite different. Therefore, it is necessary to distinguish the differences and avoid falling into the deposit trap.
2. Avoid the trap of burglary
Developers always create an atmosphere of grabbing houses. Let many buyers concentrate on a time period to grab the house together. So many people want to grab a good room number. You'll rob the house without thinking. Moreover, many developers announced the house price before robbing the house. So be sure to figure it out before deciding whether to rob it. Don't be too expensive after grabbing it.
3. Look at these five cards
Developers must have these five certificates to qualify for selling houses. Five certificates include: commercial housing sales (pre-sale) license; Construction permit for construction project; Construction project planning permit; Construction land planning permit; State-owned land use certificate.
Matters needing attention in signing a contract with intransitive verbs
Try to find a friend who has experience in buying a house to sign a contract with you. When buying a house, there is no time to look at the contract, because the contract is very thick. If you look at it word for word. Perhaps few people have the patience. So it is easy for developers to drill holes. Go with friends who have already bought a house. Only in this way can we find the point. Also avoid being nervous alone.
Check the agreement carefully. In the process of issuing housing loans, sometimes there will be many disputes. Especially the purchase of faster. There will be many problems in housing construction. Therefore, the check-out agreement column needs to see how the developer stipulates.