What should I pay attention to when buying a house with a mortgage? What should you pay attention to

1.Don't choose a house with a bottom merchant for self-occupation. 2.Don't buy a house with a bumpy appearance. 3.Don't buy a small property. 4.Pay attention to the period of buying a house.

The precautions for buying a house with a mortgage are as follows:

1. Do not use the provident fund before applying for a loan, and do not repay the loan in advance within the first year of borrowing;

2. After the loan is repaid, the mortgage should be revoked, and the loan contract and IOU should be collected;

3. Repay on time, do not default or overdue repayment.

[Legal basis].Article 671 of the Civil Code.

If the lender fails to provide the loan on the agreed date and amount, causing losses to the borrower, it shall compensate for the losses.

If the borrower fails to collect the loan on the agreed date and amount, it shall pay interest on the agreed date and amount.

Article 672.

The lender may inspect and supervise the use of the loan in accordance with the agreement. The borrower shall provide the lender with relevant financial and accounting statements or other materials on a regular basis in accordance with the agreement.

Article 678.

The borrower can apply to the lender for an extension before the expiration of the repayment period; If the lender agrees, it can be extended.

When buying a house with a mortgage, the buyer buys a house from the developer, first prepays part of the purchase price, and the rest of the house price is borrowed from the bank, and its real estate and related rights and interests are mortgaged to the bank as a guarantee for loan repayment, but there are many points that need to be paid attention to when handling it, as follows: 1. Do not use the provident fund before applying for a loan. Because if the borrower withdraws the CPF balance to pay for the house before taking out the loan, then the CPF balance on the CPF account will be zero, and the CPF loan amount will be zero, which means that the CPF loan will not be available.

2. Be careful not to repay the loan in advance within the first year of borrowing. This is because according to the relevant regulations of provident fund loans, partial early repayment should be made after one year of loan repayment, and the amount to be repaid should exceed the repayment amount of 6 months. 3. Don't forget the obligation to inform if you rent out your house after taking out a loan.

When renting out a mortgaged property during the loan period, the tenant must be informed in writing of the fact that the mortgage has been mortgaged. 4. If you have difficulty repaying the loan, don't forget to find a bank near you. When your ability to repay your debts decreases during the loan period and you have difficulty repaying the loan, don't force yourself to do so.

For example, ICBC's customers can apply to ICBC for an extension of the loan term, and if the bank investigates and finds that the loan principal and interest are not in arrears, ICBC will accept the application for extending the loan term. Article 32 of the Regulations on the Administration of Urban Real Estate Development and Operation shall go through the formalities of changing the land use right and registering the ownership of the house within 90 days from the date of delivery of the commercial house; The purchaser of the commercial house for sale shall, within 90 days from the date of signing the sales contract, go through the formalities of changing the land use right and registering the ownership of the house. Real estate development enterprises shall assist the purchaser of commercial housing in going through the formalities for the change of land use right and the registration of house ownership, and provide the necessary supporting documents.

The first thing you need to pay attention to is the interest, as well as the repayment method, and what is the situation of default? What are the responsibilities?

Hello, take out a loan to buy a house, you need to pay attention; Whether the credit history of both husband and wife is good, the loan will be rejected if it is overdue, whether the income and bank flow can cover more than 2 times the monthly payment, if it is a married family, the loan must be handled by both husband and wife, and the common documents of both husband and wife must be provided. If it is a provident fund loan, pay attention to whether there is a break in payment, otherwise it will affect the loan, if it is a foreign account, pay attention to the address of the temporary residence permit, which needs to be consistent with the address of the household register. For provident fund loans, if the monthly contribution amount is too high, the loan term will be shortened correspondingly, and the monthly repayment amount will be correspondingly increased (a problem that many people tend to ignore).

Precautions for buying a house with a mortgage:

Clause. 1. Do not use your provident fund before applying for a loan. Because if the borrower withdraws the CPF balance to pay for the house before taking out the loan, then the CPF balance in the CPF account will be zero, and the CPF loan amount will be zero, which means that you will not be able to apply for a CPF loan.

Clause. 2. Be careful not to repay the loan in advance within the first year of borrowing. This is because according to the CPF loan regulations, partial early repayment should be made after one year of repayment, and the amount you repay should exceed the 6-month repayment amount.

Clause. 3. Don't forget the obligation to inform if you rent out your house after taking out a loan. When you rent out a mortgaged property for the duration of the loan, you must inform the tenant in writing of the fact that the mortgage has been mortgaged.

Materials and processes required for commercial loans.

Loan conditions: 1. A natural person who is at least 18 years old and has full capacity for civil conduct;

2. The age of the man is not more than 60 years old and the age of the woman is not more than 55 years old when the loan is due;

3. Have a stable and legal occupation and income**, and have the ability to repay principal and interest.

1. Housing loans generally do not exceed 70% of the total price of the purchase contract, and the maximum does not exceed 80% of the total purchase contract price;

2. The maximum amount of commercial housing loan shall not exceed 50% of the total price of the purchase contract;

Loan term 1. The maximum term of personal housing loan is 30 years;

2. The maximum term of personal commercial housing loan is 10 years;

Loan interest rate 1. The interest rate of personal housing loan is 10% above and below the benchmark interest rate;

2. The interest rate of personal commercial real estate loans will rise by 10% above the benchmark interest rate;

3. The interest rate of this loan shall be implemented on January 1 of the following year when the national statutory interest rate is adjusted during the loan period.

Repayment method 1. Equal principal and interest repayment method: the borrower repays the principal and interest of the loan in equal amounts every month;

2. Equal principal repayment method (decreasing): the borrower repays the principal in equal amounts every month, and the loan interest decreases with the principal month by month;

1.Don't choose a house with a bottom merchant for self-occupation. 2.Don't buy a house with a bumpy appearance. 3.Don't buy a small property. 4.Pay attention to the period of buying a house.

1. The amount of the loan requested.

Before taking out a loan, calculate the amount you need to borrow. The down payment is not included in the loan amount, and the down payment is made in advance. Generally speaking, the higher the down payment ratio, the shorter the payment period, and the lower the monthly supply pressure.

The full payment minus the down payment is the basic loan amount, in addition to taking into account various taxes such as deed tax and VAT.

2. Choose a good loan bank for the mortgage.

With the development of the real estate market, many banks have developed products for home loans. Buyers can shop around to see which one has a more favorable policy and is more suitable for themselves, and choose the appropriate loan bank according to the actual situation.

3. Choose the right return method.

Generally speaking, there are two repayment methods: one is equal principal and interest, and the other is equal principal. Both approaches have their advantages and disadvantages. Lenders need to choose the appropriate repayment method according to their own timing situation.

4. The information provided to the bank should be truthful.

When a home buyer applies for a bank loan, the bank generally requires the lender to provide the corresponding proof of economic income. Buyers should provide proof of genuine personal employment, position, and recent financial income.

If the lender provides false supporting documents, this will cause the bank to reduce trust in you and affect the loan.

What do I need to pay attention to when buying a house with a mortgage? These three points are indispensable, especially the third point.

1. If you write your mother's name and take out a loan, because your mother is 50 years old, the loan term is 5-10 years at most, and it can't be longer, so you have to calculate the monthly payment to open a income certificate. Generally, it is possible to be in the unit for more than one year.

2. The down payment should vary depending on the type of house you buy and whether you have other loans. Generally, the first set of second-hand houses is up to 7% of the mortgage appraisal price, and the rest is the down payment. The maximum loan for new commercial housing is 7 percent, and the maximum loan is 1,000 figures, such as 237,000, and the rest is the down payment.

3. The time of the loan is generally about 2 weeks, and 1 week is estimated to be not enough 4. Pay attention to the short loan time of your mother, the estimated monthly payment is high, and the income certificate should be opened to more than 2 times the monthly payment.