If you're going home , we must have an experienced real estate agent to help , but do the following preparatory work can make you more comfortable in the home , confident.

Verification of your credit report . Many people apply for a loan only to find their credit report have a bad record. Banks must pass before the loan applicant's credit report to understand the current amount of debt the applicant , the number of credit accounts , payment punctuality and so on. All applicants borrowing records can mostly be reflected in the report obtained from a credit . Even if you think your usual good credit, never defaulted payments , but sometimes credit report may also be due to data errors caused by loans trouble . However, if errors are found early , you can have enough time to notify the credit bureaus to correct information .

Advance to obtain loan approval . This approach for buyers in the counter-offer more favorable , most sellers do not want to deal after signing the contract , the buyer's loan because of a difference . Loan pre- approved buyer is almost equal to the Purchaser in cash to buy houses.

In addition to the down payment , the buyer but also to prepare the house closing costs . Closing costs include loan points , credit tax, title insurance , legal fees . The higher the loan amount , the general housing transfer costs are higher due to title insurance and taxes also increased .

Expected housing various expenses . Including electricity, water, rent, insurance, maintenance and so on. Buyers in the housing before the deal with the expenses aware of, plan ahead for the future .

Avoid large borrowings. Especially borrowing to buy a car . Car loan lenders tend to make when applying for housing loans decreased loan amount , or even make it home loan application trouble.

Observed changes in lending rates . Home buyers at low interest rates to buy a home can save a lot of future interest expenses .

Collected over the past two years, proof of income . Including recent pay check stubs , tax returns , as well as the monthly bank statement .
Learn home region of the same type of housing insurance rates. Especially those located in high-risk areas of housing insurance premiums can be quite high , buyers should be prepared .

Full account of personal or family financial situation. Because of the amount of loans approved by banks does not mean that home buyers loan amount that should be accepted . Homebuyers may want to consider lay up , children's education , retirement and other plans . General Bank recommends monthly payment of housing contribution equivalent to 25% of household income . However, this percentage is not for everyone , for example, some people monthly expenses only houses a large , and some people in addition to the monthly housing expenses , but also for their cars , pay their children's education expenses , home buyers should be based on the actual situation and comprehensive consideration.