The first payment not enough buyers, can apply for loans to alleviate the "urgent needs." In accordance with the relevant provisions of the bank, if used to pay down consumer loans, mortgages in the process, the percentage of loans will decrease.
For example, you borrow 30 million loan for the down payment, it may not buy a total of 1,000,000 housing. According to regulations, you can only apply for 60 percent of commercial loans. As a result, a total of only around 900,000 yuan loan, you need at least 100,000 yuan out of its own funds to buy a house. Therefore, in order to pay down loans, still need to own a certain amount of cash used for the down payment.
And housing mortgage loans, it needs to pay assessment fees, notary fees and handling charges. The loan bid for a longer period of time, usually two months. General and the same housing mortgage loans, consumer loans on a monthly basis is equal to the principal of equal or principal and interest repayment method.
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