The amount of provident fund loans is not enough.
The low interest rate of provident fund loans has become the first choice for many buyers. However, in a first-tier city like Beishangguangshen and Shenzhen, if you want to buy a house of similar size, it will cost millions, and the amount of provident fund is far from enough. What should you do?
1. Apply for a portfolio loan.
Tip: Take Beijing as an example. To buy a 2 million house, the maximum amount of provident fund you can apply for is 654.38+0.2 million. Excluding the down payment of 600 thousand, the difference is 200 thousand This 200,000 can apply for a portfolio loan from the bank. It should be noted that not all banks accept portfolio loans, which involve provident fund centers, banks and other institutions, and the approval period is more than 3 months. Therefore, buyers who are anxious to pay the house price should consider it.
2. Apply for a commercial loan, and use the balance of the provident fund to offset the mortgage.
Tips: Since the amount of provident fund loans is not enough, why not give up provident fund loans and apply for commercial loans directly? In the case of commercial loans, the borrower can usually lend money about 2 weeks after submitting the loan application. As long as it meets the relevant conditions of the bank, it is generally possible to borrow the expected amount. Moreover, after successfully applying for a commercial loan, you can apply to withdraw the provident fund to repay the monthly payment, but in this case, the interest will be higher than that of a simple provident fund loan. If the loan period is longer, the economic pressure that buyers need to bear is greater, which needs attention.
Due to credit information and other factors, the loan amount has been reduced.
Tips: You can consult other banks, and it is possible to obtain the expected quota when applying in a bank with loose mortgage policy. If you buy a new house, you can apply for a loan from a bank that cooperates with the property, and you can also get preferential interest rates.
The income does not meet the requirements of the bank
Tips: You can consider applying for a relay loan. If Betty Wong's income is low, but his father has not retired, and his income is high, Wang Can Jr. applies for a mortgage loan as his father. The bank will calculate the monthly repayment amount according to the sum of the income of the father and son, thus increasing the loan amount. The following is the proportional relationship between monthly income and monthly repayment amount.
Little Betty Wong's income+father's monthly income > = monthly repayment amount X2.
After consulting a number of banks, they failed to reach the quota.
Tips: In this case, you can apply for a consumer loan to pay the house price, which is mainly applicable to small loan companies. General banks, especially state-owned banks, have strict supervision over the flow of consumer loan funds, so it is difficult to pay house prices through consumer loans. The loan application conditions of small loan companies are relatively relaxed, the approval process is simplified, and it is easier to "borrow" consumer loans to pay the house payment.
All loan channels have been tried, but it is still not enough.
If the approved mortgage amount is not much less than expected and you don't want to apply for other loans, you can consider borrowing money from relatives and friends to make up the difference.