hoalegd@gmail.com 
Green House Agency, 027 Street O, My Giang 2, Phu My Hung, Dist 7, HCM 
Real estate hot
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New project
Video
news
To Make Life Comfortably How Customers Should Lend Money For Buying Apartment Installment Plan?
Buying a home is a important thing , it is a large expenditure of a lifetime. As in the old days, people just dare to think of buying a house when they have enough finances. However, it is not today necessary to have enough amount equal to the value of the house ,new people dare to think about buying.
It is no longer a heavy matter for many families, especially young families to own a house, apartment.Nowadays, in addition to available financial resources , supported finance from relatives, customers buy houses , they are borrowed by the financial institutions lenders to buy apartments according to installment.
So before customers buy the apartments according to installment in Ho Chi Minh City What should you do to avoid "debt", this thing leads loss of ability to pay?
- So that your life and relatives are not unaffected on difficulties from buying apartment installments in Ho Chi Minh City. Before they signed the contracts, owners of apartments in the future had considered financial resources of their family by clearly identifying all income of their family, minus all expenses had used monthly.
If customers must loan installment plan for buying apartment per month ,how much loan will be reasonable?
- The buyers should not borrow too much. The loan rate for the home purchase is only from 30% to 35% of the house value.
- At present, banks are always supporting to customers so that they may buy apartment installment by rule 28/36.That thing means the total cost of the housing monthly does not exceed 28% of their income and no more than 36% of the total debt. If the total of debt for the purchase of the house exceeds 36% customers will have to pay higher interest rate or customers will be denied lending.
- 28/36 rule is understood as follows (applies to young families with two spouses and a children):
+ The total income of both spouses is: twenty-eight million dongs
+ Among: six million dongs for living and renting
+ Five million dongs is the cost of your education.
If the above rule applies, the amount of money can pay monthly installment is: 28 million x 28% = 7.8 million.
So, if your family's income is over twenty-five million dongs and only a small child, the purchase of installment in Ho Chi Minh City Apartments is very feasible.
The loan amount can be up to 50% of the apartment value.
Buying a home is something that many families desire. But any way for buying home ,your family's life is not stressed by the debts, interest costs arise. Please access to our website: Green House...., we will support you.
