Home / Uncategorized / Có thể bạn chưa biết 3 sai lầm nghiêm trọng này khi vay tiền mua nhà

Có thể bạn chưa biết 3 sai lầm nghiêm trọng này khi vay tiền mua nhà

Có thể bạn chưa biết 3 sai lầm nghiêm trọng này khi vay tiền mua nhà này . Nếu bạn có ý định vay tiền mua nhà thì đừng bỏ qua bài viết này

3 sai lầm nghiêm trọng người mua nhà thường gặp phải

Quá tin tưởng và phó thác mọi chuyện cho tư vấn tài chính

Hiện nay, việc vay tiền mua nhà từ các hệ thống ngân hàng trên toàn quốc luôn được thực hiện thông qua các nhân viên tư vấn tài chính. Đây sẽ là những người giúp bạn định hướng nhu cầu, tư vấn về các khoản vay và hỗ trợ làm hồ sơ giấy tờ xét duyệt gói vay…

Và đang có một tình trạng đáng lo ngại xảy ra đó là có rất nhiều khách vay gần như phó mặc mọi chuyện cho nhân viên tư vấn thực hiện. Nhưng chúng ta cần phải biết rằng những gói vay mua nhà của mình là một khoản tiền khá lớn cho nên nếu bạn giao phó hoàn toàn cho nhân viên tư vấn thì rất dễ bị đánh cắp hồ sơ vay vốn, làm giả hồ sơ để lừa đảo tiền từ ngân hàng.

Tải trọn bộ Cẩm nang Hướng dẫn vay vốn mua nhà an toàn

Có nhiều trường hợp nhân viên tư vấn báo với khách vay là hồ sơ bị từ chối nhưng vẫn âm thầm nộp hồ sơ đó cho ngân hàng và nhận khoản tiền cho vay rồi biến mất, để lại món nợ xấu cho khách hàng gánh.

Do đó, khi quyết định vay tiền mua nhà từ phía ngân hàng thì bạn nên kiểm tra và theo dõi sát sao toàn bộ quá trình làm việc và đặc biệt chú ý:

Xem thêm: Ban nha quan 11

– Tìm hiểu và xác thực thông tin nhân viên tư vấn với ngân hàng.

– Chỉ làm việc với một nhân viên tư vấn chính, nếu có sự thay đổi người tư vấn thì cần liên hệ ngay với ngân hàng để hỏi thăm. Đồng thời tất cả thủ tục, hồ sơ chuẩn bị cho khoản vay như: CMND/Hộ chiếu và Sổ hộ khẩu/KT3… chỉ nên giao cho tư vấn tài chính làm việc với mình.

Nếu có vấn đề thay đổi người tư vấn thì bạn nên liên hệ trực tiếp với ngân hàng để hỏi rõ lý do và tìm hiểu về người mới đến.

– Đọc kỹ tất cả các loại giấy tờ hợp đồng vay mua nhà và đối chiếu nội dung giữa các bản sao trước khi ký nhận. Đặc biệt lưu ý, tuyệt đối không ký vào tờ giấy trắng chưa có nội dung gì rõ ràng; nếu nhân viên tư vấn yêu cầu bạn ký nháp thì sau khi ký xong, bạn nên giữ lại tờ giấy nháp có chữ ký của mình để tránh bị làm giả hồ sơ.

– Luôn theo sát quá trình thẩm định, phê duyệt và giải ngân khoản vay theo đúng ngày thông báo trên tin nhắn điện thoại.

– Báo ngay cho ngân hàng nếu có vấn đề gì bất thường.

Chọn chương trình có lãi suất ưu đãi thấp nhất

Theo tâm lý của nhiều khách vay tiền mua nhà thì thường sẽ nhìn vào lãi suất để chọn gói vay nhưng cách làm này dễ khiến họ rơi vào “bẫy lãi suất” mà không hề hay biết.

Khi đi vay, bạn không nên chọn mức lãi suất ưu đãi thấp nhất hoặc thậm chí là lãi suất 0% bởi vì những gói dịch vụ này sẽ đi kèm thời gian hoặc các điều kiện khác.

Chẳng hạn như bạn vay lãi suất 0% thì có thể giá mua sẽ bị đẩy lên vài trăm triệu thông qua nhiều cách khác nhau mà bạn không ngờ tới hoặc thời gian sử dụng gói vay không dài như bạn tưởng vì dự án đã hoàn thành xong gần một nửa trước khi bạn ký hợp đồng.

Hoặc chọn lãi suất vay ưu đãi thấp nhất thì thời gian hưởng gói vay ưu đãi này sẽ chỉ kéo dài từ 6 đến 10 tháng mà thôi và sau đó bạn phải trả lãi suất cộng với biên độ dao động từ 3% – 5% tùy theo quy định của mỗi ngân hàng.

Thay vì chỉ chăm chăm chọn gói vay theo lãi suất ưu đãi thấp nhất thì bạn nên tìm hiểu kỹ  điều kiện, thời gian và xác định nhu cầu của bản thân để chọn ra gói vay phù hợp nhất!

Xem thêm: Mua bán nhà riêng tại quận Thủ Đức

Chọn gói vay có hạn mức vay cao nhất

Sai lầm thứ 3 mà nhiều người mắc phải nhất đó chính là chọn những gói vay mua nhà có hạn mức cao khoảng trên 70% giá trị căn nhà.

Nếu bạn không phải là một người có mức thu nhập cao từ 35 – 40 triệu/tháng và có khả năng cân bằng tốt tài chính của mình thì đừng bao giờ chọn gói vay tiền mua nhà trên 50% giá trị căn nhà bởi với mức lãi suất phải chi trả hàng tháng cộng với các chi phí sinh hoạt khác, bạn sẽ nhanh chóng “phá sản” trước khi kịp trả hết nợ.

Trên đây là 3 sai lầm lớn nhất của những người vay tiền mua nhà từ ngân hàng nhưng thiếu sự tính toán tỉ mỉ và cẩn thận mà bạn nên tham khảo để tránh gặp rủi ro tài chính!

Xem thêm: Mua ban nha quan 7

About Vu Hieu

Check Also

Có trong tay 200 triệu có thể mua nhà hơn 2 tỉ không?

Để mua bán nhà riêng Hà Nội, một gia đình chỉ có trong tay 200 …

1.529 comments

  1. (CBS) – viagra no prescription is a generic medications that contains Sildenafil citrate. Sildenafil citrate is the central component of primary dr near meand identify medications both. best doctors in america 2015 2016 is a output of ALKEM LABORATORIES. It is a darned effective panacea in requital for curing erectile dysfunction. January 22, 2019 8:32

  2. You are so cool! I do not think I have read through a single thing like
    this before. So great to find someone with a few original
    thoughts on this subject. Seriously.. thanks for starting this
    up. This site is one thing that is required on the web, someone with
    a bit of originality!

  3. What’s up, after reading this amazing post i am also glad
    to share my experience here with friends.

  4. Pretty nice post. I just stumbled upon your blog and wanted
    to say that I’ve truly enjoyed surfing around your blog posts.

    In any case I’ll be subscribing to your rss feed and I hope you write again very soon!

  5. Hello, tender thanks you for honesty a possessions install and nice blog.

  6. online pharmacy no prescription indian pharmacy online pharmacy near me

  7. viagra without doctor prescription generic viagra without subscription over the counter viagra
    when to take viagra

  8. Hello, blame you in behalf of obedient topic

  9. buy viagra
    viagra
    generic viagra without subscription

  10. Very efficiently written article. It will be valuable to anybody who utilizes it, including yours truly :). Keep up the good work – looking forward to more posts.

  11. Hello, blame you quest of actual blog! What theme in your blog?

  12. After study a few of the blog posts on your website now, and I truly like your way of blogging. I bookmarked it to my bookmark website list and will be checking back soon. Pls check out my web site as well and let me know what you think.

  13. I got what you mean ,saved to bookmarks, very decent web site.

  14. you could have an ideal blog here! would you wish to make some invite posts on my weblog?

  15. Hello, blame you in regard to facts! I repost in Facebook

  16. I was curious if you ever considered changing the structure of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 images. Maybe you could space it out better?

  17. I got what you mean , appreciate it for posting.Woh I am happy to find this website through google.

  18. Thanx for the effort, keep up the good work Great work, I am going to start a small Blog Engine course work using your site I hope you enjoy blogging with the popular BlogEngine.net.Thethoughts you express are really awesome. Hope you will right some more posts.

  19. Really excellent visual appeal on this website , I’d rate it 10 10.

  20. I was more than happy to search out this net-site.I needed to thanks in your time for this excellent learn!! I undoubtedly having fun with each little bit of it and I’ve you bookmarked to take a look at new stuff you blog post.

  21. I do agree with all of the ideas you have presented in your post. They are really convincing and will certainly work. Still, the posts are too short for newbies. Could you please extend them a little from next time? Thanks for the post.

  22. Hello, recognition you for tidings! how long for viagra to take effect http://viapwronline.com I repost in Facebook.
    how long does it take for viagra to work

  23. Good postings. Kudos.
    [url=https://canadianonlinepharmacytrust.com/]canadian cialis[/url] [url=https://viaonlinebuymsn.com/]viagra without a doctors visit[/url] [url=https://canadianpharmacycom.com/]canadian drugs[/url] [url=https://canadianpharmacyopen.com/]no 1 canadian pharcharmy online[/url] [url=https://safeonlinecanadian.com/]london drugs canada[/url] [url=https://trustedwebpharmacy.com/]mexican pharmacies shipping to usa[/url] [url=https://ciaonlinebuymsn.com/]trust pharmacy canada[/url]

  24. near drawer generic viagra sales nowhere appointment generic viagra 100mg near daughter
    generic viagra sales possibly manufacturer [url=http://viagenupi.com/#]viagra uk[/url] basically light cheap viagra 100mg essentially campaign http://viagenupi.com/

  25. Hello, reprimand you http://cialisxtl.com in look upon to tidings! cialis and interaction with ibutinib
    sildenafil citrate generic viagra 100mg

  26. You actually mentioned that exceptionally well. provigil lawsuit

  27. Pretty section of content. I just stumbled upon your website and in accession capital to assert that I acquire actually enjoyed account your blog posts. Any way I will be subscribing to your feeds and even I achievement you access consistently fast.

  28. often pool bimatoprost wide heavy bimatoprost unfortunately bend buy naltrexone online too injury [url=https://bimatoprostonline.confrancisyalgomas.com/#]bimatoprost online[/url] tomorrow garbage bimatoprost carefully limit https://naltrexoneonline.confrancisyalgomas.com/

  29. You actually expressed this very well! viagra

  30. apart stress viagra for sale rarely passenger real viagra for sale
    online away variety viagra usa bad communication [url=http://viacheapusa.com/#]generic
    viagra usa[/url] else situation viagra for sale probably mountain

  31. pretty top [url=http://www.cialisles.com/#]cialis[/url] bright instance likely fail ed meds online without doctor prescription straight tomorrow cialis basically research http://cialisles.com

  32. now disk [url=http://cavalrymenforromney.com/#]buy cenforce canada[/url] always wait currently champion best prices for cenforce exactly music buy cenforce canada also
    efficiency http://cavalrymenforromney.com/

  33. highly move cialis india price merely excitement calais pills for sale yeah evening cialis tadalafil false fail [url=http://cialislet.com/#]best
    erectile dysfunction pills[/url] tourist boyfriend tadalafil 20mg lowest price closely worth http://cialislet.com/

  34. I admire your piece of work, thankyou for all the useful articles.

  35. both investment viagra in usa basically disease online viagra
    without subscription the sensitive viagra without a doctor prescription usa
    super person [url=http://www.vagragenericaar.org/#]online viagra without subscription[/url] twice equal free
    viagra true tower http://www.vagragenericaar.org/

  36. Everything is very open and very clear explanation of issues. was truly information. Your website is very useful. Thanks for sharing.

  37. Thanks a lot, A good amount of knowledge.
    advair

  38. You have made your position quite effectively!. celexa

  39. I like this site very much, Its a really nice spot to read and obtain info . “Never hold discussions with the monkey when the organ grinder is in the room.” by Sir Winston Churchill.

  40. Thanks for some other informative site. The place else may just I get that kind of info written in such a perfect means? I have a undertaking that I’m just now running on, and I have been at the glance out for such info.

  41. over the counter cialis
    [url=https://getcialistabsfasty.com/]over the counter cialis[/url] https://getcialistabsfasty.com/

  42. Cialis cialis free trial 30 day cialis trial offer

  43. You actually revealed that exceptionally well! topical cbd oil

  44. Truly a lot of helpful advice! [url=https://canadianpharmacyopen.com/]mexican pharmacies shipping to usa[/url]

  45. whoah this blog is excellent i love reading your articles. Keep up the good work! You know, many people are searching around for this info, you could help them greatly.

  46. You really make it seem really easy with your presentation however I in finding this topic to be actually something that I think I might by no means understand. It kind of feels too complicated and extremely vast for me. I am looking forward on your subsequent put up, I’ll try to get the dangle of it!

  47. bali gold kratom review making kratom extract kava shop [url=http://kratomsaleusa.com/#]red
    sumatran kratom[/url] kratom plant name high quality
    kratom http://kratomsaleusa.com/

  48. capacity [url=https://cialsagen.com/#]buy viagra generic online usa pharmacy[/url] erectile dysfunction viagra medicines cheapest generic viagra
    prices online hole https://cialsagen.com/

  49. You actually expressed that exceptionally well. canada pharmacy

  50. My spouse and I absolutely love your blog and find many of your post’s to be precisely what I’m looking for. Would you offer guest writers to write content to suit your needs? I wouldn’t mind creating a post or elaborating on a lot of the subjects you write in relation to here. Again, awesome site!

  51. You actually revealed it adequately. hemp oil for pain

  52. With thanks, Fantastic information! gabapentin 300

  53. You actually said this exceptionally well! celecoxib 200mg

  54. Amazing many of excellent material. Flomax Thygeson S Spk

  55. Really all kinds of useful knowledge. canadian online pharmacies

  56. Perfectly voiced without a doubt. . Tramadol And Zanaflex

  57. You actually reported it exceptionally well. canadian drugs

  58. I?¦ve read some just right stuff here. Certainly worth bookmarking for revisiting. I surprise how so much effort you put to make one of these fantastic informative website.

  59. You actually revealed this exceptionally well. buy celebrex online

  60. I like the helpful information you provide in your articles.
    I’ll bookmark your weblog and check again here regularly.
    I’m quite sure I will learn many new stuff right here!
    Best of luck for the next!

  61. Position clearly utilized!! cheap cialis

  62. best place buy viagra cheap real viagra online where to buy cheap viagra

  63. nobody [url=https://viagraivo.com/#]buy generic viagra online canada[/url] is there really a generic viagra generic viagra online print https://viagraivo.com/

  64. Thanks a lot. Useful stuff. metformin bnf

  65. Incredible a lot of good advice! augmentin 875 mg

  66. Wow all kinds of beneficial material! retin-a

  67. Superb forum posts. With thanks. propranolol 40 mg

  68. You reported this really well! baclofen 10 mg pill

  69. Thank you. A good amount of write ups!
    motilium

  70. viagra buy in usa buy cialis and viagra online order levitra uk

  71. Helpful data. Thanks a lot. cialis

  72. You’ve made your point pretty effectively!! diflucan

  73. Keep up the superb work, I read few blog posts on this website and I think that your website is really interesting and has got bands of fantastic info .

  74. Lovely write ups. Appreciate it. advair diskus

  75. Amazing quite a lot of helpful information. amoxicilline

  76. You actually mentioned it effectively! Propranolol 40 Mg Reviews

  77. Seriously quite a lot of useful knowledge! generic advair diskus

  78. Thank you, A good amount of information.
    gabapentin

  79. Usually I don’t learn article on blogs, however I wish to say that this write-up very pressured me to try and do so! Your writing style has been surprised me. Thanks, quite great article.

  80. Thank you, An abundance of information!
    Pms Propranolol

  81. Wonderful data. Thanks! gabapentin

  82. Hello! Someone in my Facebook group shared this site with us so I came to check it out. I’m definitely enjoying the information. I’m book-marking and will be tweeting this to my followers! Wonderful blog and great design.

  83. Incredible plenty of great tips! zanaflex medication

  84. Beneficial information. With thanks. Cialis Vs Flomax For Bph

  85. Cheers, A good amount of posts.
    Ou Acheter Baclofene

  86. order cialis safely online cialis sale uk can i buy viagra in boots

  87. Perfectly expressed certainly. . finasterid

  88. Amazing all kinds of awesome data. fluconazole bnf

  89. Very good information, Kudos. neurontin

  90. You actually reported this adequately. Cost Of Glycomet In India

  91. This is very interesting, You are a very skilled blogger.
    I have joined your feed and look forward to seeking more of your wonderful post.
    Also, I’ve shared your website in my social
    networks!

  92. After looking over a handful of the blog articles
    on your website, I seriously appreciate your technique of writing a blog.
    I saved it to my bookmark webpage list and will be checking back
    in the near future. Take a look at my web site too and let me know your opinion.

  93. Whoa all kinds of terrific information. cialis.

  94. You explained this really well. azithromycin 250

  95. cialis pills for women can you buy viagra tesco cheapest viagra super active

  96. Whoa all kinds of valuable advice. amoxicillin trihydrate

  97. Very well spoken without a doubt! ! phenergan 25mg

  98. Really quite a lot of useful info. antibiotic amoxicillin

  99. Seriously quite a lot of superb facts! generic for advair

  100. Appreciate it! Lots of forum posts!
    advair diskus 250/50

  101. I know this web site presents quality depending articles and extra information,
    is there any other website which offers these data in quality?

  102. Great postings. Thank you. metformina

  103. Really a good deal of wonderful data! prinivil

  104. With thanks. Excellent information! augmentin duo forte

  105. Thanks a lot. I appreciate it! Bupropion Mg Dose

  106. Incredible plenty of terrific info. losartan hydrochlorothiazide

  107. least [url=http://www.viarowbuy.com#]viagra generic[/url]
    viagra online prescription generic viagra at walmart reading http://viarowbuy.com

  108. Cheers, Wonderful information! fluconazole bnf

  109. You actually reported that effectively. Can I Come Off Lisinopril

  110. Incredible all kinds of wonderful information. inderal

  111. Thanks a lot. I enjoy this. advair generic

  112. buy cialis online germany coffee with cialis viagra sale lloyds

  113. You actually explained it wonderfully. advair coupon

  114. Thank you! An abundance of stuff!
    propanol

  115. Truly all kinds of very good facts. Tretinoin Over The Counter

  116. Thanks a lot, A lot of advice!
    fluconazole

  117. Amazing all kinds of terrific data. buy finasteride

  118. Good material. Appreciate it. wellbutrin 150 mg

  119. You actually said this wonderfully! Flomax Cr 0.4 Mg

  120. Kudos! An abundance of facts.
    generic cialis

  121. With thanks, Quite a lot of postings!
    armodafinil vs modafinil

  122. Thanks. Valuable information! viagra from canada

  123. Information nicely considered!. viagra online

  124. Terrific material. Thanks a lot. cbd heroin addiction

  125. discount cialis professional canada cialis cheapest place get cialis

  126. Thank you. Excellent information. canadian online pharmacies

  127. With thanks, A good amount of information.
    canadian pharmacy online

  128. Very good stuff. Regards! cbd superbugs

  129. Kudos. Lots of material. pfizer viagra online buy viagra online canada

  130. I have read some good stuff here. Definitely worth bookmarking for revisiting. I surprise how much effort you put to make such a magnificent informative web site.

  131. Fine knowledge. Appreciate it.. cialis 20mg cialis 20mg

  132. You stated this really well. [url=https://viaonlinebuyntx.com/]viagra for sale uk[/url]

  133. Truly loads of helpful info! cialis generic

  134. Cheers! I like this! [url=https://canadianpharmaceuticalsonlinerx.com/]online drugstore[/url]

  135. Thanks a lot. Fantastic information! cialis from canada

  136. Thank you, Fantastic stuff. canadian cialis

  137. Appreciate it, A lot of postings.
    [url=https://canadianpharmacyopen.com/]canada pharmacies online prescriptions[/url]

  138. Incredible a good deal of valuable facts! cbd oil

  139. canadian pharmacy cialis 20mg buy cialis vegas cheapest cialis on the net

  140. Effectively expressed genuinely. ! [url=https://canadianonlinepharmacytrust.com/]aarp approved canadian online pharmacies[/url]

  141. Thanks a lot! An abundance of stuff!
    canada drug pharmacy

  142. Do you mind if I quote a few of your articles as long as I provide credit and sources back to your weblog? My blog is in the exact same niche as yours and my users would really benefit from some of the information you provide here. Please let me know if this alright with you. Thanks!

  143. I’m still learning from you, but I’m improving myself. I definitely enjoy reading everything that is posted on your site.Keep the posts coming. I loved it!

  144. viagra super active for sale&39; buy cialis delhi buy cialis with no prescription

  145. extremely pull [url=http://cialissom.com/#]generic cialis no prescription[/url] yeah opposite out opening chep cialis moreover inspection generic cialis no prescription normally depression http://cialissom.com/

  146. Wonderful knowledge. With thanks. shop pharmacie viagra sans ordonnance

  147. You actually revealed this very well. Provigil Directions For Use

  148. You mentioned it adequately! Rsdnation Cialis

  149. You have made your point. [url=https://canadianpharmaceuticalsonlinerx.com/]pharmacy online[/url]

  150. Really plenty of wonderful info. cbd gummies

  151. Lovely content. Cheers! [url=https://viagradjango.com/]cheap viagra[/url]

  152. You actually mentioned that exceptionally well. viagra coupons

  153. Information very well regarded!. [url=https://trustedwebpharmacy.com/]london drugs canada[/url]

  154. You actually mentioned that effectively. top rated online canadian pharmacies

  155. Really tons of useful tips. viagra

  156. Well spoken without a doubt! ! london drugs canada

  157. norwegian rehab brooklyn drug treatment outpatient programs how to tell if someone is high on meth chelsea rehab rehab facilities buffalo ny

  158. You actually suggested this well. cbd oil indiana

  159. Many thanks. Awesome stuff. canada drug

  160. Thanks a lot! Ample posts!
    modafinil

  161. Kudos! Ample forum posts!
    canadianpharmacy

  162. You mentioned that exceptionally well! provigil vs nuvigil

  163. peace [url=https://www.liverichandfree.com/#]buy cialis generic online[/url] reputation cialis medication participation https://www.liverichandfree.com/

  164. Nicely put. Regards. [url=https://canadianpharmacycom.com/]canadian pharcharmy[/url]

  165. You have made the point. [url=https://canadianpharmacyopen.com/]canadian pharmacies online[/url]

  166. Regards. Very good information. cialis

  167. Thanks. Loads of posts.
    [url=https://cbdhempoiltrust.com/]hemp oil benefits[/url]

  168. Regards. Helpful information. canada pharmacy

  169. You actually reported that effectively! amazon cbd oil

  170. You actually explained this adequately! buy viagra online

  171. Cheers, I enjoy it! [url=https://canadianpharmacyopen.com/]canadian pharmacies online prescriptions[/url]

  172. where to buy viagra uk cheap drugs viagra buy cialis soft tabs online

  173. Thanks, Wonderful information! modafinil side effects

  174. Fine information. Appreciate it! viagra online

  175. You definitely made your point. buy cialis

  176. Regards. Quite a lot of advice.
    viagra 100mg

  177. Incredible a lot of beneficial information! hemp seed oil

  178. You have made your point pretty effectively.. amoxil

  179. EugeneNeuby