Bad credit will be rejected by one vote, from raising the loan interest rate to not giving you a loan at all. So, if you want to buy a house with a loan, please make sure you are qualified for the loan.
2. Evaluate self-owned funds and down payment.
It means how much money you can pay for the down payment, including borrowing money, but it should be calculated together with the monthly mortgage, and whether your future repayment ability is guaranteed.
3. Evaluate the monthly repayment amount and repayment period that can be undertaken.
Generally, the monthly repayment does not exceed 50% of the family's monthly income, and the repayment period is about 20 years. According to these two figures, you can basically calculate the total amount of your loan. Of course, provident fund loans are limited. (If you have provident fund loans, try to use provident fund, and the interest rate is lower. If the amount is not enough, make a portfolio loan and finally choose a commercial loan; There are two repayment methods: equal principal repayment and equal principal and interest repayment. The monthly repayment amount in average capital is the same, while that in average capital is decreasing month by month. Generally, the repayment method of equal principal and interest is selected. )
4, determine the housing budget
According to the above evaluation results, you can basically determine your own purchase budget, and you can probably buy a house with a total price range.
5. Choose a house according to the total budget price.
Under the constraint of the total budget, determine the housing area and location you want and make a balance. If it is the first set of rigid housing, permanent residence: consider transportation, convenient work for husband and wife, living environment, whether the room is enough, etc. If we consider it from a longer-term perspective, we need to consider whether to buy a school district. If you can't have both, then give up one according to your family situation.
Note: choose a community with low plot ratio, with few houses and comfortable living; The smaller the number of households, the smaller the supporting area (property house, power distribution room, garbage station, etc.). ) and the higher the quality; Parking ratio+sufficient parking space; The subway house or the subway house to be built is preferred, the apartment with more than two rooms is preferred, and the younger one is preferred; Not on the bottom floor or on the top floor. If you don't have numerical scruples, try to choose a high floor. Property fees should also be considered; Decoration does not preserve the value, and the simpler the decoration, the better; Commercial housing mixed relocation houses or talent apartments are not good and noisy, which will lower the valuation; The earlier the delivery time, including the real estate license, must be determined.
6. Comparison of house selection.
It is necessary to collect more information, compare it repeatedly, and choose those that give priority to meeting their core demands. Don't make hasty decisions, and don't listen to the bravado of salespeople, who are hungry for marketing routines.
7. Pay down payment and sign a house purchase contract
In housing transactions, the significance of the purchase contract is definitely very significant for buyers, because the purchase contract generally contains a lot of information about the house. The contents of the purchase contract generally include the area, unit price, total price, building, floor, unit and number of households of the house. At the same time, it is necessary to negotiate relevant matters needing attention and supplementary terms, including the division of responsibilities after the delivery of the house and the handling methods of emergencies.
8. Go through the mortgage formalities
When property buyers have determined that they can apply for loans in the bank, they should determine the loan method they want to apply for. Generally speaking, the loan methods mainly include provident fund loans and commercial loans, and the repayment methods also need to be determined by the buyers themselves. There are two repayment methods: equal principal and interest repayment and equal principal repayment. Buyers should choose the one that suits them according to their actual situation.
9. Waiting for delivery
If the house purchased by the buyers is a new house, it will definitely take some time to get it, because most of the new houses are faster. When delivering the house, buyers can invite specialized house inspectors to inspect the house from top to bottom and from inside to outside according to relevant industry standards, including inspecting outdoor venues, roofs, basements, floors, attics, water and electricity facilities, and starting heaters, air conditioners and other equipment.