Loan borrowers should complete the application form to the lending bank to submit the following information:
1. Identification (identity card, residence booklet or other valid documents), academic certificates, marriage certificate;
2. Income that can selectively provide, including certificates of deposit, securities and other property, including proof; more supporting information more comprehensive assessment of Bank lending in the score the higher the loan amount and lenders time to enjoy the conditions more favorable;
3. Use of real estate mortgage loans, (a friend's houses as collateral, or their own separate set of house property certificate)
4. The two sides signed a purchase contract, select the payment method to pay down the housing fund, there must be no less than 30% of the purchase price of own funds;
5. Banks to offer loans to other documents or materials.
There are many loans to buy a house, have a provident fund loans and commercial loans. Before the loan, you must first know how much money your fund account, the unit to you how much money each month. Only knew where to go to loans. Fund is a kind of welfare workers, interest on loans is much lower than commercial loans. Commercial loans typically can fund together, made of combination of loans, if you want to credit a lot of models, but there is not much of your fund balance, then loans can be combined.
Determine its own provident fund, which is to choose a house. Determine the total amount of money the house, how much down payment, total price minus the down payment is the loan money. Down payment loans can not, so you have to be some cash on hand, the average down payment is 30%. If you have more money in the hands of 30% down payment, then you can give cash, because to do so is to reduce your loan money, because the loans are to be of interest, so that from the total for the cash to more , loan, or pays less, of course, this was by your own circumstances.
In loans, to have secured, for example, you have to credit 100 000, you must provide a guarantee fund 50 thousand yuan, you can find friends in your city, a partnership which combined fund balance total of over 50,000 on the line . In addition to fund a way to provide security guarantees, there are books and property security card guarantees, but both is too much trouble. Passbook secured loans 100 000 if you want, get the 11 million books, and books can not be extracted due; property security, depends on the size of property you provide the number, too small does not work, but only in the region .
Guarantee that other people give you security, your account can take money out. Take once a year. So that withdrawals and loans are two separate processes.
Good loans, the banks will give you an account number, monthly fund center operators need to also give you the money, you only need 20 a month ago, the money remitted to this account on the line.
You can also early repayment, but the loans must be at least 1 year. Prepayment may reduce to the interest. However, specific provisions will have to see you and the bank signed the contract.
If only commercial loans
Decision in accordance with its capability repayment
To measure the capacity of funds to comply with the following three criteria:
1. Loans on monthly repayments ≤ 50% of disposable income - management fee on the property;
2. Loans on a monthly repayment amount ≤ 55% of disposable income - on property management fees - other debt with the average monthly amount paid;
3. Cash, bank deposits and other funds may be required to maintain the emergency more than three months of daily expenses for emergency use.
Need tips, most banks offer mortgage repayment to change business, while providing repayment combinations. If you find the mortgage loan repayment approach being taken is not suitable, you should consult professionals choose the right combination to make changes, to avoid damage to their credit, or make the burden of excessive pressure.
1. Identification (identity card, residence booklet or other valid documents), academic certificates, marriage certificate;
2. Income that can selectively provide, including certificates of deposit, securities and other property, including proof; more supporting information more comprehensive assessment of Bank lending in the score the higher the loan amount and lenders time to enjoy the conditions more favorable;
3. Use of real estate mortgage loans, (a friend's houses as collateral, or their own separate set of house property certificate)
4. The two sides signed a purchase contract, select the payment method to pay down the housing fund, there must be no less than 30% of the purchase price of own funds;
5. Banks to offer loans to other documents or materials.
There are many loans to buy a house, have a provident fund loans and commercial loans. Before the loan, you must first know how much money your fund account, the unit to you how much money each month. Only knew where to go to loans. Fund is a kind of welfare workers, interest on loans is much lower than commercial loans. Commercial loans typically can fund together, made of combination of loans, if you want to credit a lot of models, but there is not much of your fund balance, then loans can be combined.
Determine its own provident fund, which is to choose a house. Determine the total amount of money the house, how much down payment, total price minus the down payment is the loan money. Down payment loans can not, so you have to be some cash on hand, the average down payment is 30%. If you have more money in the hands of 30% down payment, then you can give cash, because to do so is to reduce your loan money, because the loans are to be of interest, so that from the total for the cash to more , loan, or pays less, of course, this was by your own circumstances.
In loans, to have secured, for example, you have to credit 100 000, you must provide a guarantee fund 50 thousand yuan, you can find friends in your city, a partnership which combined fund balance total of over 50,000 on the line . In addition to fund a way to provide security guarantees, there are books and property security card guarantees, but both is too much trouble. Passbook secured loans 100 000 if you want, get the 11 million books, and books can not be extracted due; property security, depends on the size of property you provide the number, too small does not work, but only in the region .
Guarantee that other people give you security, your account can take money out. Take once a year. So that withdrawals and loans are two separate processes.
Good loans, the banks will give you an account number, monthly fund center operators need to also give you the money, you only need 20 a month ago, the money remitted to this account on the line.
You can also early repayment, but the loans must be at least 1 year. Prepayment may reduce to the interest. However, specific provisions will have to see you and the bank signed the contract.
If only commercial loans
Decision in accordance with its capability repayment
To measure the capacity of funds to comply with the following three criteria:
1. Loans on monthly repayments ≤ 50% of disposable income - management fee on the property;
2. Loans on a monthly repayment amount ≤ 55% of disposable income - on property management fees - other debt with the average monthly amount paid;
3. Cash, bank deposits and other funds may be required to maintain the emergency more than three months of daily expenses for emergency use.
Need tips, most banks offer mortgage repayment to change business, while providing repayment combinations. If you find the mortgage loan repayment approach being taken is not suitable, you should consult professionals choose the right combination to make changes, to avoid damage to their credit, or make the burden of excessive pressure.
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