(1) Age and identity
A natural person who has reached the age of 18, has full capacity for civil conduct and full capacity for civil liability, and has a permanent residence or valid residence certificate for urban residents;
② down payment
Pay a down payment;
③ Income
Have a stable income and the ability to repay interest;
(4) Have sufficient self-owned funds.
When applying for a loan, the purchaser's own funds shall not be less than 20% of the purchase price;
⑤ Lateral branch
The Borrower agrees to use the purchased house and its rights and interests as collateral;
⑥ Clear property rights
The purchased second-hand houses have clear property rights and meet the conditions for entering the real estate market stipulated by the government;
All landowners announcement
The purchased house is not within the scope of the demolition announcement;
⑧ Others
Other conditions required by the lending bank.
Second, why should I borrow as much as possible to buy a house loan?
(1), the future currency depreciates compared with the current currency.
Money has been depreciating. Buying a house with a loan is to overdraw your future achievements in advance to enjoy your present life, and you may earn more in the future than you do now. In addition, the annual inflation rate is about 10%. If the mortgage interest rate of about 4% is deducted, it is still cost-effective to buy a house with a loan.
② Monetary leverage magnifies family wealth.
Experts say that "China's economy has been on the rise for a long time, and the growth and bubble of wealth are * * * phenomena."
For ordinary people, relying on a fixed monthly income is far less than inflation, and hard-earned money has been eroded. Buying a house with a loan is a debt, which has a leverage effect and can make ordinary people have more wealth.
note:
The household asset-liability ratio does not exceed 50%, and the monthly repayment amount does not exceed 30% of the monthly income.
(3) Leave room.
At present, most families are working families, and their monthly income is relatively fixed. If you spend all your savings on buying a house, you will panic in case of an emergency. After all, having cash in hand is much more practical than having no money. If you can, you can also use idle funds to make other investments, so as to obtain other income.
Therefore, it is also a cost-effective choice to borrow as much as possible when buying a house loan. Of course, this should be combined with their own actual situation, considering the ability to repay loans and family daily life, and reasonable arrangements.