20 17 novice must see! Never do six things to buy a house with a loan.

The most confusing thing for novices to buy a house is the loan problem. For example, how much to borrow, what is the loan interest rate, and what repayment method is more cost-effective.

Of course, in addition to these important knowledge points, there are still some things that must not be done. Today's guide to buying a house will focus on you.

Basic knowledge point 1: What is the down payment for mortgage?

According to the new policy issued in February last year, the minimum down payment for first-time home purchase loans in non-restricted cities is 20%. With the resumption of the policy of restricting purchases and loans in several cities, the number of cities and banks that implement the minimum down payment of 20% has plummeted. The highest down payment for the first suite is 3.5% in Beijing and Shanghai, while the highest down payment in the country was only 30%.

The minimum down payment for the second suite is 30%, and the highest is Suzhou (including Wujiang District, Kunshan City and Taicang City) and Nanjing (excluding Liuhe District, Lishui District and Gaochun District), reaching 80%. And the bank will float the down payment ratio according to market conditions, and 20 17 will continue.

Basic knowledge point 2: What is the mortgage interest rate?

At present, the benchmark interest rate of mortgage is 4.90%, and banks have different preferential efforts on the interest rate of the first suite. In the first half of last year, the overall credit policy was relatively loose, with a 30% discount. With the resumption of restrictions on purchases and loans in many cities, the preferential trend of mortgage interest rates has tightened, and banks may reduce preferential discounts or raise the threshold for obtaining preferential interest rates.

According to the data, as of February 20, 2006, the lowest mortgage interest rate was 20% in bank of tianjin, but it was not easy for ordinary buyers to get preferential treatment.

The overall trend of 20 17 mortgage interest rate will tighten. For example, at the end of 20 16, it was reported that starting from 20 17 1, Beijing implemented the minimum mortgage interest rate of 10%, and finally Beijing really implemented this policy.

In fact, Beijing is the third city after Shenzhen and Shanghai to make a unified standard for the preferential interest rate of the first suite. Therefore, it can be predicted that more cities will introduce similar policies in 20 17, and the interest rate concessions below 10% for the first suite in many cities are likely to disappear.

Basic knowledge point 3: What are the repayment methods?

At present, matching principal and interest is the most common repayment method.

Let's talk about equal principal and interest first.

The equal principal and interest repayment method is to repay the loan principal and interest in equal amount every month during the loan period, that is, the total amount of mortgage loan principal and the total amount of interest principal are added and evenly distributed to each month of the repayment period. At present, many people choose this repayment method.

Matching principal and interest repayment method is more suitable for families with relatively stable income, buying a house for self-occupation, and economic conditions do not allow excessive investment in the early stage, such as civil servants, teachers and other people with stable income.

Let me talk about general capital.

Matching principal repayment refers to the equal repayment of loan principal every month, and the loan interest decreases month by month with the principal. That is, the principal is allocated to each month, and the interest between the last repayment date and the current repayment date is paid off.

Capital is generally suitable for people with high income, strong repayment ability and early repayment plan.

In a word, 20 17 will be a year of regulation. Friends who are ready to buy a house should pay attention to the latest property market policy and buy a house rationally according to their own economic situation. After all, buying a house is a big deal, so don't affect their normal life.

Although the loan to buy a house is cost-effective, there are many things that must not be done, otherwise the loan may not be approved, or the amount approved is not high, so we must be cautious.

What are the specific taboos that need special attention?

Taboo 1: Don't use the provident fund before applying for a loan.

Some borrowers want to withdraw the balance of the provident fund to pay the house payment before the loan. In this case, the balance of provident fund in the provident fund account is zero. According to the regulations of some cities, the amount of provident fund loans will be zero, which means you will not apply for provident fund loans.

Taboo 2: Don't repay the loan in advance in the first year.

Because according to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.

(The above answers were published on 2017-01-16. Please refer to the actual situation for the current purchase policy. )

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