办理北京新房贷款流程中应该注意什么问题啊?
提问者 :
我的个人资料库
时间 :
2015-05-16 13:44
所属分类 :
买房-贷款办理-贷款流程
回答详情
共有1个回答
-
婉巧儿
在办理北京新房贷款的时候一定要充分估计自己的承受能力。许多贷款购房者急于购房，没有充分估计自己的还款能力，还提供了不真实的收入证明，结果月供压力很大，影响了生活水平，也给银行造成了潜在的风险；量体裁衣选择还款方式。等额本息还款法和等额本金还款法有所不同。前者特点是每期还款额相等，这比较适合收入稳定的贷款者；后者则是前期还款额较大，随着贷款的逐渐偿还，还款额会逐渐递减，但总体利息额会比等额本息少，这较适合现阶段资金充裕，对未来收入不是很确定的人群。等
2015-05-16 14:01
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