Introduce three ways to buy a house by loan.

With the gradual development of our society and rising house prices, it is difficult for many young people to pay off the house expenses at one time. House slaves have gradually appeared on the internet and become a hot topic. Many young people choose loans to buy houses, which can not only live in their own homes, but also reduce economic pressure. However, many people don't know how to borrow money to buy a house. Today, Bian Xiao will tell you how we can get a loan to buy a house.

One: three ways to buy a house by loan:

1. Housing provident fund loans: When many residents choose loans to buy a house, the first choice is low-interest housing provident fund loans, but this is for residents who have already paid the housing provident fund. First of all, this kind of loan has the nature of government subsidy, and its loan interest is low, which is only half of the mortgage interest rate of commercial banks and lower than the commercial deposit interest rate in the same period. In addition, when handling insurance and mortgage-related procedures, the loan fee will be halved. Undoubtedly favored by many residents.

2. Personal housing commercial loans: Although the above loans have many advantages, they also have many restrictions, so many people will choose this kind of loans, that is, bank mortgage loans. As long as the balance of our deposit in the loan bank accounts for not less than 30% of the amount we need to buy a house, it can be used as the down payment for buying a house, and the assets recognized by the loan bank can be used as collateral. In addition, if the units and individuals with sufficient repayment ability are guarantors who repay the principal and interest of the loan and bear joint and several liabilities, they can also apply for using the mortgage loan of the bank.

3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If our purchase amount exceeds this limit, we must apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This loan method has moderate interest rate and large loan amount, so it is chosen by more lenders.

Two. Loan to buy a house to repay principal and interest:

1. If the loan term is one year (including one year), we can repay the principal and interest at maturity, and the interest will be settled together with the principal and interest;

2. If the loan term exceeds 65,438+0 years, repayment methods such as matching principal and interest repayment method and average capital repayment method can be adopted to repay the loan principal and interest on a monthly basis.

It is a common thing to buy a house by loan now, but because of the different ways of buying a house by loan, the total difference in interest is also great. So for us, before buying a house, we should be familiar with which repayment method is more beneficial to us, instead of blindly following the advice of the staff to get familiar with and understand other repayment methods. Finally, Bian Xiao would also like to suggest that friends who are interested in buying a house can make a careful calculation when determining the purchase budget, list several options, compare them, and then apply for corresponding loans.

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