To spend the least amount of money to buy a house, you only need to follow these three steps

Starting from October 1st this year, in addition to first-tier cities such as Beijing, Shanghai, and Guangzhou, the proportion of deed tax and business tax collected in real estate transactions will be generally reduced in more than three cities across the country. Coupled with previous policies such as lowering the down payment ratio for home purchases and raising housing provident fund deposit interest rates, the government has taken the initiative to promote real estate destocking. It can be said that this year has the loosest real estate policy since the financial crisis in 2009. If you don’t buy a house at this time, what’s the point? hour? Three tips for housing provident fund loans to buy a house, and you will never have to ask for help when buying a house

Properly extend the loan period
Provident fund loans have an upper limit. For most people, a combination of commercial loans + provident fund loans is needed. . The interest rate of commercial loans is higher than the interest rate of provident fund loans, so when repaying the loan, you should give priority to repaying the commercial loan. According to this idea, the term of provident fund loans should be lengthened and the commercial loan interest rate should be shortened. In this way, when the repayment amount in each period is similar, the commercial loan can account for a larger portion of the repayment amount.

There are tips for couples to apply for provident fund loans
In the current provident fund loan policy, the period of provident fund loans is determined based on the age of the house and the age of the primary lender. Therefore, if the age gap between the couple is large, If the loan is large, let the younger party be the main lender, which can lengthen the provident fund loan period.
3
Stop renting a house in advance and withdraw provident fund before buying a house
If you are renting a house and have no plan to buy a house, it is recommended to withdraw provident fund first to share the pressure of rent. When there is a need to buy a house, calculate the time to stop withdrawing provident fund in advance. That’s it. There is an upper limit on the provident fund loan limit, and if you leave too much money in the account, you may not always be able to use it. In this way, the combination of renting a house and a loan can make full use of the provident fund.
It is worth noting that do not use the provident fund before applying for a loan. If the borrower withdraws the provident fund balance to pay for the house before applying for the loan, when the provident fund balance on your provident fund account is zero, your provident fund loan limit will be If it is zero, it means that you will not be able to apply for a provident fund loan.
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