And what everyone needs to pay attention to is that buying a house requires a lot of money, even if it is only a 30% down payment, the amount will not be small. After customers use credit cards, the debt ratio will inevitably rise, and banks will not lend money easily when they find that customers have too much debt.
Therefore, if customers want to get a mortgage smoothly, don't use a credit card to pay the down payment, and don't use the funds obtained from the loan to pay the down payment, otherwise the consequences will be the same. If the money is not enough, you can find your spouse, parents and other immediate family members to raise funds, so that the other party can also participate in the loan, and then pay the developer after the other party transfers the money.
Extended data:
Process of down payment loan for house purchase:
The first step: negotiate the house price with the developer, sign a house purchase agreement, and clarify the delivery terms, payment methods and liability for breach of contract.
Step 2: Go to the bank where the developer cooperates to handle the housing loan, fill in the personal housing loan application form, and submit a copy of the purchase agreement and personal identification (ID card), residence certificate (household registration book, water and electricity fee), economic income certificate (running salary), assets and financial resources certificate (large deposit certificate, automobile driving license) and other related materials.
The third step: the bank receives the loan application and makes a comprehensive evaluation according to the information and forms submitted by the customer and the customer's personal credit report; At the same time, the house is valued.
Step 4: Obtain the audit results and house appraisal. If it is approved and the house value reaches the standard, we will contact the customer to sign the contract and go through the formalities according to the house appraisal quota.
Step 5: After receiving the notice, the customer will sign the loan contract at the bank outlet within the specified time, go through the insurance formalities, pay the down payment to the developer, and go through the mortgage registration at the local housing authority.
Step 6: The bank will lend the money to the account designated by the developer. After the developer receives the remaining house payment, the mortgage is completed, and then the customer can repay the loan principal and interest on time according to the repayment plan agreed in the loan contract.
Conditions for applying for housing loans
1. Applicants need to have legal residence status, permanent residence or proof of residence status of urban residents, so it is best to buy a house in the location of your residence or the city where you live now.
2. The age must be 18 years old.
The applicant must have a legal and fixed job and a stable source of income, and the lender can guarantee that you have the ability to repay the loan principal and interest on time.
4. Need to sign a house sales contract and have paid the down payment ratio stipulated by the bank.
The applicant's credit should be good.
Housing loan application materials
1. Applicants should prepare their own identification documents, that is, valid identification documents;
2. Prepare your own residence certificate, such as household registration book or valid residence certificate;
3. Prepare your work certificate and income certificate;
4. Prepare your own House Sales Contract and related documents;
5. Prepare your own proof of marital status. If you are married, you need to bring a marriage certificate. If you are unmarried or divorced, you need to bring a single certificate.