Why not buy a house in Mentougou? What if the down payment is not enough?
Why not buy a house in Mentougou?
Because Mentougou's environment is not good, and the eastern part of Mentougou is next to Shougang Industrial Zone, even if it is out of Beijing, Mentougou is a remote mountainous area, and its presence in Beijing is not high. Many people's impression is backward ravines. If you don't go to Tanzhe Temple, Lingshan and other scenic spots, you may never come here.
When it comes to Mentougou, people think of mountains. Mentougou is a pure mountain area in Beijing. 98.5% of the whole area is mountainous, and only 1.5% is in the urban area. In terms of transportation, the reporter believes that Mentougou is the closest area to the urban area. Fushi Road and Shi Lian Road are directly connected to the urban area, and there are no high-speed tolls and traffic lights, and there is a slight traffic jam during peak hours.
What if the down payment is not enough?
1, make good use of the provident fund
Buyers buy a house and the down payment is not enough. If the buyers pay the housing provident fund, they must make good use of it. You can use the down payment to buy a house first, and then withdraw the balance of the provident fund account to repay the loan.
Step 2 mortgage the old house
If the buyer buys other properties instead of the first suite, then the buyer can mortgage the previously purchased house to get a certain loan, and then use it to pay the down payment. This way can get a relatively large amount of loans, but the buyers need to bear two loans at the same time, which is very stressful, and the loan interest rate obtained by mortgage is higher, and the loan life will be shortened. Note: the age of the mortgaged house should not be too long.
3. Seek financial support from parents
Although I don't agree with everyone's views, if it is a family with good economic conditions, and the buyers just lack a part of the down payment when buying a house, they can also seek assistance from their parents. However, when they seek help from their parents, they should return it to their parents in the name of borrowing money and express their gratitude when the funds are plentiful.
Step 4 ask relatives and friends for help
Everyone will have several close friends and relatives in his life, and buyers can consider asking them for help when money is tight. However, when borrowing money from relatives and friends, we must measure each other's financial situation, sign a formal debit note, and remember to repay when there is more money, so as to avoid disputes and affect the relationship between relatives and friends.
5. Realize the wealth management products held by individuals.
For property buyers with financial habits, when the down payment is insufficient, the wealth management products can be mortgaged and then used to pay the down payment. Although it may lose some money to realize cash in a hurry, it is also an effective way when there is really no money to borrow.
Step 6 choose a new house
If the above methods can't meet the needs of buyers, or if the buyers choose a house with too much down payment, then buyers can only consider buying a smaller house or a slightly smaller place, and there is no need to make the whole family live under heavy pressure for a suite.
That's what I told you. Why not buy a house in Mentougou? What to do if the down payment is not enough to buy a house The problem is that the house is very important. A good house will certainly be much more comfortable than a bad one. Buying a house is not a trivial matter. Everyone needs to know clearly that the funds of the house should be fully prepared.