September 28th, 2010 | 
Author: Bank’s financial experts have warned the public: Public housing mortgages in the process must be looking to buy a fashion as, like, pick and choose, shop around and is a required borrowers homework. Same preferential policies should also learn to use banks, used judiciously, may give you save a substantial sum of money.
First, we must boldly chosen bank.
Select a good bank is equivalent to choose a superior service. The level of banking services in addition to the attitude of staff well, the more is reflected in the efficiency of banks, reflected in the product’s uniqueness is reflected in the actual situation can be tailored according to the customer the most suitable products. Loan before the election on the public can compare the two banks: pre-reception is warm, detailed description, sale procedures are simple, flexible operation, after-sale loan repayment convenience to take the initiative to remind. In choosing the bank mortgage loans, will be able to play well this “trilogy” on the first banking services.
Second, borrowers are free to choose ways and repayment period of loan repayment.
Mortgage banks, generally, “equal principal repayment” and “repayment of principal and interest equal” two mortgage, the borrower must be based on their actual choice of funds. If the weak stock market, and money off the hands of home buyers the option of “equal principal payments” to accelerate the return of loan principal, reducing interest payments. Housing loan is a long-term behavior, it is inevitable the way the accident situation. If a certain period of time, homeowners invest in another direction, to reduce the repayment of the total spending is also completely made changes to the loan and loan application period. But the pay-line borrowers credit experts advise: Change Loan may only be the beginning of each year, namely in January each year for a change to the lending bank loan application for change. On any repayment, some or all of the early repayment, the bank’s borrowers prepayment is entirely according to the actual signing of the loan agreement Zhi Xing, Shi Jian and loans under the loans charge interest on the amount of factual.
Third, we must learn to use bank incentives.
Many borrowers to the bank mortgage, mortgage loans will ignore the preferential policy. If the application is cross-line “without the designated real estate mortgage loans”, the applicant can say to the developers, this is a one-time payment to buy a house, and requested a one-time payment of concession sales price. Exchange Bank within two weeks earliest, after finishing the loan application procedure, and to the housing fund account into the real estate developers to meet the developer’s request for payment. Of the buyers, the one-time payment, there is often a few thousand dollars or even a million price concessions, Is it not tempting? Meanwhile, home buyers choose properties for sale in the following, you can choose the mortgage line.
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