1. The application threshold of each bank is different. Some banks are very strict with applicants and even need to provide guarantees or real estate mortgages. Therefore, we must first understand the loan application requirements of several different banks and choose the most suitable bank according to our own situation. The interest charged by each bank for applying for a loan is different, and the interest charged according to different loan products will be different. Therefore, after determining the loan products to apply for, we must know more about the interests of several banks before we can choose the bank with the lowest interest rate.
2. Precautions for bank loans to buy a house. Don't use the provident fund before applying for a loan. If the borrower uses the balance of the provident fund reserve before the loan to buy a house, then the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means that you will not be able to apply for a provident fund loan. Precautions for bank loans to buy a house, don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be within one year after the loan repayment, and your repayment amount should exceed six months.
3, bank loans to buy a house pay attention to the following matters, when you have difficulty repaying, don't forget to find the bank around you. During the loan period, the repayment ability declines, and when repayment is difficult, don't start your own business. ICBC customers can apply to ICBC for extension. If the bank investigation proves that the loan principal and interest are not in arrears, ICBC will accept your application for extension.
4. Four precautions for buying a house with a bank loan. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed in writing of the mortgage situation. Pay attention to five points when buying a house with a bank loan. Don't forget to cancel the mortgage after paying off the loan. After you pay off all the principal and interest of the loan, you can go to the real estate trading center in the district where the real estate is located to cancel the mortgage with the bank's loan repayment certificate and other real estate licenses. Mortgage property. Pay attention to six points when buying a house with a bank loan, and don't lose the loan contract and receipt. When applying for mortgage loan, the loan contract and receipt signed by the bank with you are important legal documents. As the loan term can be up to 30 years, as a borrower, you should properly keep the contract and the iou.