The latest price in Foshan: average price of second-hand houses: 2 1 10000/ set, average price: 17200 yuan/square meter, up -4.78% from last month, with 4092 new houses.
What should I pay attention to when buying a house loan?
1. Strengthen the management and application of provident fund. Before buying a house, it is best to know the local policies in detail and know how to use the provident fund when buying a house.
2. Pay attention to whether you have the ability to pay. Generally, the bank flow is most suitable for a relatively fixed income every month, and the bank flow is continuous, reflecting a higher income.
3. Pay attention to the credit history. It is difficult for people with bad credit records to apply for loans smoothly.
4. Pay attention to choose the appropriate loan term. Although the bank's mortgage can expire within 30 years at most, you need to choose the appropriate repayment period according to your own economic situation. Finally, it should be noted that the borrower must strictly abide by the loan agreement after applying for a loan. In case of violation of bank regulations, the bank has the right to recover or terminate the loan in advance and default on you.
Don't forget to cancel the mortgage after the loan is paid off. If you have paid off all the loan principal and interest, you can cancel the mortgage at the real estate trading center with the bank loan certificate and other property rights certificates.
Is there an age limit for buying a house loan?
1. Bank loans cannot exceed a certain number of years. According to the requirements of major banks for personal loans, borrowers must be completely independent. In China, people under the age of 18 can apply for housing loans, but under certain circumstances, they need to be 20 years old, and the actual borrower's age and loan period cannot exceed 65 years old.
2. Generally, you can't be over 55 years old. Mortgage loans are generally based on the age of the house+the age of the borrower, and cannot exceed 65 years old.
Banks have different regulations on the age of borrowers.
The bank requires male borrowers under 65.
Buying commercial housing, affordable housing and fund-raising housing (housing reform housing) with provident fund loans can provide loans for up to 30 years; When buying a house, it can be loaned for up to 20 years (according to the specified service life of the house); The longest loan for building, rebuilding or overhauling self-occupied housing can be extended for 10 years, and the loan period cannot exceed the statutory retirement age.