Buying a house can be said to be a major event in life, and a lot of preparations should be made before buying a house. I will definitely understand the process of buying a house and the way of loan, and see which loan method is more suitable for me. The following small series will give you an introduction. What loans do you usually use to buy a house?
What kind of loan do you usually use to buy a house?
1, housing provident fund loan
If you have paid the housing provident fund, then when you buy a house with a loan, you should choose a low-interest loan from the housing provident fund. Housing provident fund loan is a kind of policy subsidy, and the loan interest rate is very low, not only lower than half of the loan interest rate of commercial banks in the same period.
2. Personal housing commercial loans
If you don't pay the housing provident fund, you can apply to a commercial bank for a personal housing guarantee loan, that is, a bank mortgage loan. ?
3. Individual housing portfolio loans
The housing provident fund management center has a quota limit, and the higher quota is generally1-290,000 yuan. If the purchase price exceeds this amount, there are still some insufficient parts to apply for commercial housing loans from banks, so these two loans are collectively called portfolio loans.
What are the procedures for buying a house loan?
1. If you want to buy a new house, the materials you need to prepare are: household registration book, marriage certificate, ID card, income certificate, bank account number, and house purchase contract (provide both husband and wife information when you get married). What conditions need to be met? First, you should have a stable income and a bank account, which should be in and out every month, and pay special attention to the fact that the income certificate needs to be twice as much as the monthly payment, right?
2. The materials that need to be prepared for buying a second-hand house are: household registration book, marriage certificate, ID card, income certificate, house purchase contract, bank account (married to provide information on both husband and wife), and the conditions that need to be met are actually the same as those of a new house.
Summary: So much about what kind of loans are generally used to buy a house. You can refer to the above loan methods, but you still have to figure out which one is suitable for you. If you want to know more about it, you can pay attention to our Qijia. Com for consultation.
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