Question 2: What does it mean that the down payment on house purchase is illegal? Anyway, the general policy is not supported. As far as the lender is concerned, it is not illegal.
GJ only seals up and fines such lending institutions to prevent risks in the real estate market. I'm definitely trying. Don't do this.
Question 3: What does it mean that the down payment is completely stopped? Down payment is the name of a product. It is said that the product features: easy financial management and easy down payment.
Stop completely, that is to say, the product has stopped selling because of off-shelf or problems.
Question 4: What is the name of the pure credit down payment loan? Definition: Pure credit down payment loan is a down payment loan without guarantee (guarantee, mortgage and pledge), which is a loan for down payment issued by financial institutions according to the lender's credit status and solvency.
Status: At present, banks generally do not issue credit loans. Issuing credit loans is very strict with the lender's solvency, and the amount is also strictly controlled.
Question 5: What does down payment mean? Financial products? It is a short-term transfer of accounts receivable creditor's rights of large real estate enterprises held by Cai Hui Platform. After paying part of the down payment, the buyer applies to the developer for the remaining down payment loan to form accounts receivable.
Question 6: What do you mean by mortgage and loan? Can I get a down payment? Property rights agreement.
Party A: ID number:
ID number:
Party B: ID number: ID number According to the General Principles of the Civil Law of People's Republic of China (PRC), the Contract Law of People's Republic of China (PRC) and other relevant laws and regulations, Party A and Party B have reached an agreement on matters related to Party B's purchase of real estate in the name of Party A on the basis of equality and voluntariness, and hereby sign this agreement for both parties to abide by.
Article 2 Party A only needs to sign the commercial housing sales contract with the developer in its own name, and allow Party B to pay all kinds of taxes and go through the relevant formalities in its own name, and Party A does not need to bear any legal and economic risks. All expenses and legal risks arising from the purchase of the house shall be borne by Party B. ..
Article 3 After the signing of the commercial housing sales contract, Party B must pay all kinds of relevant funds in time, and shall not increase Party A's responsibilities in any way, and ensure that Party A will not bear any economic responsibilities (except those caused by Party A's fault).
Article 4 The house purchase price, taxes and other related expenses paid by Party B in the name of Party A shall be kept by Party B, and Party A agrees that the house purchase and sale contract and related procedures shall be kept and managed by Party B directly ... If mortgage loan is adopted, all mortgage guarantee contract documents and repayment procedures shall be kept by Party B..
Article 5 Party A shall directly hand over the house to Party B for possession, management, use and disposal on the day when the real estate developer delivers the house.
Article 6 The actual ownership of the house belongs to Party B, and Party A promises that it and its successors will not put forward any claims on the property rights of the house.
Article 7 The house is registered in the name of Party A within a certain period of time. After Party B determines the transfer time, Party A must unconditionally transfer the property right of the house to the name of Party B (or the unit or individual designated by Party B), and all expenses arising from the transfer shall be borne by Party B. If Party B decides to directly handle the property right certificate under Party B's name, Party A shall also unconditionally cooperate with the change procedures.
Article 8 Liability clause for breach of contract
1. If Party B fails to pay the relevant funds in time after the signing of the commercial housing sales contract, all direct losses caused to Party A therefrom shall be borne by Party B. ..
2. If Party A fails to hand over the property to Party B for possession, use and disposal immediately after the developer delivers it, Party A shall pay Party B a penalty of 0. 1% of the total contract price for each day overdue.
4. If Party B determines the transfer time and Party A does not agree (cooperate) with the transfer, and Party B does not agree to Party A's repentance, Party A shall pay Party B a penalty of 0. 1% of the total contract price for each day of delay, and Party A shall transfer the property rights to Party B at the same time. ..
5. If Party B determines the transfer time, and Party A does not agree (cooperate) with the transfer, but Party B agrees to Party A's repentance, then Party A shall pay compensation to Party B (within ten days) according to the standard of 20% increase in the reasonable appraisal price of the real estate market.
Article 9 This contract is made in quadruplicate, with each party holding two copies, all of which have the same legal effect.
Article 10 In case of any dispute during the performance of this contract, both parties shall settle it through equal consultation. If negotiation fails, either party has the right to defend its rights through litigation.
Article 11 For matters not covered in this contract, Party A and Party B may separately agree, and the supplementary agreement shall have the same legal effect as this contract after being signed by both parties.
Party A (signature): Party B (signature):
Tel: Tel: Signing Time: Year Month Day Signing Time: Year Month Day
Question 7: What does the down payment ratio mean? For example, the house price is 6.5438+0 million yuan. You used to buy a house with a loan, and now you want to buy this house with 6.5438+0 million yuan. Since you don't have enough money, you have to borrow money to buy it. The current policy is that the down payment for the second suite should be at least 50%, that is, 500,000 yuan and then 500,000 yuan, and the previous down payment should be 30% (3
1. 1 times means that the previous interest rate was 5.94% (more than 10 years), and the second suite has to implement 5.94 * 1 = 6.534%, so it is necessary to pay more interest of 10% or crack down on real estate speculation.
Question 8: What is the general down payment for buying a house? What does down payment mean? A down payment of 400,000 houses is generally not allowed for loans. At the same time, the down payment requirements for house purchase are as follows:
1. Take the first suite as an example, the minimum down payment for a new house with a purchase area of not more than 90 square meters can reach 30%; 2. For the second suite, the minimum down payment for the loan to buy a house is 70%; 3. In the case of three suites, the bank that needs a loan may not approve the loan according to the house price; 4. In other cases, the minimum down payment is 30%.
Personal housing mortgage loan conditions:
1, with urban permanent residence or valid residence status;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.
Information to be provided when applying for mortgage:
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Question 9: Is it illegal to buy a house with a down payment? number
Conditions for buying a house with bank loan:
1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;
2. Have a stable occupation and income;
3, have the ability to repay the loan principal and interest on schedule;
4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.
5, there is a contract or agreement to buy housing;
6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations;
7. Other conditions stipulated by the lending bank.
Second, what materials do you need for a bank loan to buy a house?
1, loan application form;
2. Subscription agreement or sales contract;
3. identification;
Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, home visit certificates and work permits. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located.
4 proof of income (including tax bill, bank deposit record and employer's confirmation).
Third, what is the process of buying a house with bank loans?
Step 1: The buyer and the seller prepare complete information to see a lawyer.
Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion;
Step 3: The bank reviews the evaluation report and the president signs the loan.
Step 4: Loan.
Note: Banks have different information requirements for buyers and sellers, and the process details are also different. Please refer to the monthly loan handbook.
Four, the loan to buy a house to pay attention to the six major issues
1, the provident fund will not be used before the loan. If the borrower withdraws the balance of the provident fund savings to pay the house payment before the loan, then the balance of the provident fund in your provident fund account is zero, and your provident fund loan amount is also zero, which means that you cannot apply for a provident fund loan.
2. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made one year after the loan is paid off, and the amount you return should exceed six months.
Don't forget to find the bank around you if you have difficulty in repaying the loan. When the repayment ability declines during the loan period, don't insist on it yourself when there is difficulty in repayment. ICBC customers can apply to ICBC for extending the loan term. After investigation by the bank, ICBC will accept your application for extending the loan term, and there is no default of principal and interest.
4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.
Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where you lived before to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged property.
6. Don't lose the loan contract and IOUs. Applying for a loan, the loan contract signed between the bank and you, and the receipt are all important legal documents. As the loan takes a long time, as a borrower, you should take good care of your contracts and IOUs.