In our country, many people want to have their own homes. However, few people can take out the purchase money at one time, and most people have to borrow money to buy a house. So what qualifications do you need for a loan to buy a house?
Buying a house is now a major event that many people have joined in their life planning. However, not everyone can only get money to buy a house through loans. Therefore, many people who want to buy a house with a loan want to know what qualifications they need to buy a house with a loan.
The qualification of buying a house by loan is a condition that the borrower needs to meet. To buy a house with a loan, the borrower needs to meet these conditions:
1, legal residence status. When a borrower borrows a loan, the bank will require him to have a legal residence status and relevant materials as evidence.
2. Good personal credit report. Personal credit report reflects the borrower's credit situation and can help banks understand the borrower's trustworthiness. This is also evidence that the bank will check whether the borrower will repay the loan on time.
3. The job is stable and the income fluctuates little. Because it is a loan to buy a house, the bank needs to see whether the borrower has enough ability, the borrower's job should be stable, and the income should be enough to repay the loan on time.
4, the ability to repay the loan principal and interest on schedule. This depends on the borrower's repayment ability, that is to say, the borrower should show that he has repayment ability and can repay on time and on schedule.
If you want to get a housing loan, the borrower must have a corresponding purchase agreement or purchase contract.
6. There are qualified guarantors to guarantee the borrower, or the designated assets can be used as pledge or collateral. This condition is that in order to reduce their own losses, banks can also restrain borrowers from repaying on time within a certain range.
7. Other conditions stipulated by the bank. In addition to the above conditions, the requirements for borrowers will be slightly different because of different banks. Therefore, borrowers need to consult relevant banks to learn how to prepare all necessary information.
For the above qualifications, the lender should pay special attention to the last point, then fully understand what information the lender wants to borrow, and then prepare the required materials, which is conducive to the lender's loan success. Take a closer look at the qualifications needed to buy a house with a loan.
2. What information does the seller need to provide for the housing loan?
Are you married? In the past, many of them were intangible property rights, and it was normal for both husband and wife to provide ID cards and household registration books! But you don't need to provide your child's birth certificate! It is estimated that buyers are just worried, because some houses are mortgaged by ordinary people and cannot be seen on the real estate license. The down payment was paid, the loan was applied, and the result was stamped. This is very troublesome, so some serious buyers will ask for a lot of proof to see if there is any problem with property rights! There is nothing to worry about!
Third, what information does the 4s shop usually leave for the car bought by the loan?
Information that 4s stores should give customers on the day of mortgage purchase and car pick-up:
1, body invoice, purchase tax invoice, license plate invoice;
2. If you buy insurance and boutique accessories, you should also have insurance invoices and boutique invoices; The word "Mortgage" is the cantonese transliteration of the English word "mortgage", which means that the bank loan is obtained with real estate and other physical assets or securities and contracts as collateral, and the principal and interest are repaid in installments according to the contract. After the loan is paid off, the bank will return the collateral. Mortgage means that the mortgagor takes the mortgage beneficiary of property right transfer as the repayment guarantee. After the mortgagor pays off the loan, the beneficiary immediately transfers the property rights involved to the mortgagor. In this process, the mortgagor enjoys the right to use the property. As a kind of mortgage loan, mortgage has its own risks for banks.
4. What materials do you need for second-hand housing loans?
Legal analysis: 1. Materials to be submitted by the buyer and the seller ① Application Form for Housing Mortgage Loan filled out by the buyer and the seller; (2) Letter of Intent for House Purchase signed by both parties; ③ Other information required by the bank. 2. Information submitted by the purchaser ① Proof of income The proof of income must be stamped with the valid official seal of the work unit. (2) ID card, household registration book and proof of marital status. If the purchaser is an enterprise legal person, it shall provide relevant documents and materials such as the business license of the legal person.
Legal basis: general rules of loans
Article 25
If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.
The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;
Three, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;
Verb (abbreviation of verb) project proposal and feasibility report;
Other relevant information deemed necessary by the lender.
Article 26
Credit rating evaluation of the borrower:
The borrower's credit rating should be evaluated according to factors such as the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.
Consult the loan bank, understand the loan conditions and loan interest rates, and choose the loan bank. Apply for a loan from the bank. If the bank is approved, it will notify the lender to sign the loan contract and mortgage contract, and some banks will also ask to go to the notary office for notarization of creditor's rights. Handle the mortgage registration of house property rights.