As now economic development, development level of the city compares a country apparently many good, also because such, people left a country in succession, the opportunity is sought in entering big city, more and more people choose to buy a room to settle in the city, but to them, show level to entire section buys a house or have bit of difficulty. Must buy a house from bank loan so!
We know loan business is the main body business of the bank, also be the profitable business with main bank, will look according to the data that the portion published in April 2019, remaining sum of loan of our country room is 28 trillion yuan, take a bank loan is proportional 32.7% .
When we are returning a room to borrow, must notice these 6 trap, send money to the bank for nothing namely otherwise
1, the credence that should notice borrower and income
This is to ask income is borrower month commonly double what offer, if want every months to return 6000, so your income is at least ten thousand and two, of course you also can mix your wife parental income calculates on, the record that sign a letter also had better be good.
2, the time that should take get at Zhang
You are in that is to say to made money that day, but can not make sure this money can arrive that day Zhang, if crossed reimbursement date,also can be sentenced to be exceed the time limit by the bank.
3, the cash that does not employ account of housing accumulation fund to go up at will
If do not borrow money,buy a house not bad, if borrow money,the word that buys a house compares be to one's profit with accumulation fund, because its interest is very small really, but there is pay in requirement account however full the forehead of 12 months is spent.
4, do not want to offer
Once break what the individual meets if offerring to ask for a letter to keep bad record, the influence also is bigger.
5, do not shift to an earlier date reimbursement
Want to be able to make sure him capital return rate exceeds bank loan interest only, so do not want reimbursement, the money that such waiting for that use a bank then makes investment.
6, interpret pledge
When returning loan, remember remove guaranty, this also means a house to belong to you truly!
