Why do you need a loan to buy a house?

Why do many rich people who are not short of money need loans to buy a house?

No matter rich people, ordinary people or even diaosi, buyers must borrow money to buy a house, instead of paying the full amount stupidly.

Rich people understand this truth better than the average person. Therefore, they have to take advantage of bank loans. If possible, they want a down payment of 10%.

But ordinary people don't have such a profound understanding as the rich, mainly because of the limitation of traditional thinking mode. Most ordinary people are forced to borrow money to buy a house because they really don't have that much money and can only borrow money. Many people may not know that in China, the housing loan is a welfare that the government gives you in disguise.

Since it is a welfare, why not? Of course, the rich know all this, and even if they have a lot of cash, they still have to borrow money.

Many people may not understand why I don't pay interest to the bank when I buy a house loan. This is just a business activity. How can it be the welfare given to me by the government?

In China, banks are very friendly when ordinary people have only borrowed money from them twice in their lives. Once you buy a house, once you buy a car. These two loans are easy, eligible and enjoy certain preferential treatment.

In the future, it will be extremely difficult for ordinary people to get loans from banks. Some people say it's easy now. Dude, that's not a loan at all, you understand? Is that consumption, consumption, consumption? Although it seems that the bank gave you money, it is not a real loan. If you don't understand this sentence, I don't know how to explain it to you

In short, whether you buy a house or a car, you need a loan. This is a free benefit. Why not?

Moreover, these benefits are only available for a few times, before you are fifty.

The bank will not lend you money in the future.

Why do you need a loan to buy a house?

Why do you need a loan to buy a house?

Loans to buy a house are mainly to reduce the pressure of buying a house. The price of buying a house is very expensive now. If the bank lends money, it only needs to repay the mortgage in installments every month to reduce the pressure of life. However, when buying a house with a loan, we should also pay attention to preparing materials to ensure good credit and stable income, otherwise banks are not allowed to issue loans.

What are the loan purchase processes?

1.

Before going through the loan procedures, buyers should first look at whether they meet the local purchase policy. Now many big cities have limited purchase policies. The purchase restriction policy is mainly aimed at some people who buy multiple suites. If you haven't bought a house yet, you won't be restricted, but you still need specific consultation.

2. Determine the purchase target.

After the buyers meet the local purchase policy, they can start to look at the house and choose the house. Don't be afraid of trouble and hard work in the process of choosing a house. Only by paying more attention can we avoid future regrets. Before buying a house, everyone should think about what kind of house to buy, including the area and location of the house, so as to help them make a good purchase plan in advance.

Step 3 prepare loans

After choosing a house, you can start preparing for the loan. To prepare the relevant information of the loan, you need to provide personal identity documents, marriage certificates, proof of work income and so on. The second is to prepare down payment and deposit. If you meet a house that suits your mind when you are looking at the house, you usually need to pay a house purchase deposit.

4. Pay the down payment and sign the contract

When choosing a house, you have already paid the down payment. When paying the down payment, you should pay attention to the combination of the down payment. The general down payment will also involve signing a house purchase contract. The contents of the house purchase contract should be read clearly, including the area, unit price, total price, building and floor of the house. In addition, according to different situations, both parties can sign a supplementary agreement through consultation.

5. Go through the loan procedures.

After that, buyers will start to apply for loans. Property buyers will take the loan materials prepared in advance to the loan bank, and generally there will be a special credit specialist to receive you. During the period, a loan contract needs to be signed, and buyers should also pay attention to the contents of the contract.

6. Waiting for delivery

After submitting the loan application, the bank will lend money in about one month, and then the buyers only need to pay the house according to the time agreed in the purchase contract. Property buyers can invite professional home inspector to inspect the house from top to bottom and from inside to outside according to relevant industry standards, which will be more reassuring.

Why do farmers like to borrow money to buy houses for decades? Is it because there is no money?

Many farmers buy houses for their children to study and get married. No one will buy a house for no reason. After all, such expenses are unaffordable. It is really difficult for you to borrow money from farmers to buy a house. Many farmers usually borrow money from relatives to raise money by themselves and make do with it. Farmers are most afraid of loans and know interest. Now the real loan to buy a house is those working-class, newly graduated students, people who have worked in the city for a long time, and people whose children are studying in the city. Some of them often go to work in cities. As for farmers who buy too few houses, farmers do what they can and generally don't take risks. Loans are a mountain for farmers.

House is the most important thing in people's life. Having a house means having a home. In order to get rid of poverty in the past, to seek a better education and learning environment for their children, and to live a happy life in the future, rural people choose to develop in cities. At present, the loan to buy a house is very stressful for migrant workers, but it is worth a try for smart and hardworking migrant workers. In the next decade or even longer, the mortgage will eventually end. Buying a house by loan is a scientific and advanced consumption concept, which is relative to our old-fashioned consumption concept. People's ideas often stay in the conservative concept of "how much can they do", which seriously hinders the process of social development.

Nowadays, many young people are willing to live in the city and want their children to go to school in the city to receive a better education. Young people work in cities, but they still find it more convenient to live in cities, so parents buy houses for their children. Why do we farmers like to borrow money to buy a house? Because you can't get so much money at a time, the loan can be repaid slowly, and finally you can buy a house for your child, killing two birds with one stone. A large part of houses in rural areas are for children to get married, but farmers' income is not high, so they can only borrow money, which has nothing to do with liking to borrow a dime.