At the age of 18, borrowing money needs a guarantee. Second-hand housing transaction loans need to find a guarantee company whether through intermediary transactions or not, otherwise the bank will find a loan amount of 1% and a loan amount of 2%. Because the economist mortgaged the property to the bank, the bank can lend money to facilitate the completion of the transaction.
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1. Legal and valid identity documents of the borrower.
2, the borrower's economic income certificate or status.
3. The account book of the borrower; 4. Provide proof that the husband and wife are related to the transportation system.
4. If there is a * * * relationship with the borrower, it is necessary to provide a clear repayment obligation signed by all parties of the borrower.
5, the purchase of second-hand housing property certificate.
6. Transfer account signed with the seller provided by selling the house.
Issued by an appraisal agency recognized by the lender.
8. The property right of the house purchased * * * A written authorization document that someone agrees to sell the house.
9. Information required by the lender.
legal ground
"General Principles of Civil Law of People's Republic of China (PRC)" Article 387 Where a creditor needs a guarantee in order to ensure the realization of his creditor's rights in civil activities such as borrowing, buying and selling, he may provide a guarantee in accordance with the provisions of this Law and other laws, or may require the debtor to provide a counter-guarantee. Overturn the provisions of the law.
Article 36 of People's Republic of China (PRC) Urban Real Estate Management Law: When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.
Article 62 of the People's Republic of China (PRC) Urban Real Estate Management Law shall apply to places above the county level. Dispose of the land use right and house ownership obtained from mortgaged real estate, and handle the transfer registration.
Second, can the second-hand house white leather contract be loaned?
1. If it is a new house pre-sale contract (auction house), the entry into force of the white skin contract means that you can obtain the property right of the house.
2. If it is a second-hand house, the entry into force of the white leather contract means that you can obtain the property rights agreed in the contract, and you can only obtain the property rights after the transfer. (That is to say, in this case, if the other party breaches the contract and there is no registered permanent residence, you can only ask for compensation, but you may not be able to obtain property rights. )
Specific loans can be consulted with relevant banks.
3. Can I get a loan for buying a second-hand house?
You can get a loan if you buy a second-hand house. Apply for a loan from the bank before going through the formalities of property transfer. After signing the house sales contract, collect the information of the house and the buyer and apply for a loan directly from the bank. If the bank passes, it will evaluate the value of the client's house, then decide how much to lend to the client and sign a loan contract. It takes 15 working days to transfer the real estate license and 15 working days to mortgage the loan. Transfer and mortgage application can be done together. The loan process for purchasing a second-hand house is as follows: 1. The buyer and the seller shall prepare the identity and property materials required by the bank; 2. Receive and fill in the application form of personal mortgage loan for second-hand houses; 3. Go to the bank together with the prepared materials; 4. The staff will conduct a preliminary review of the comprehensive submitted materials, and then give the loan amount and application period. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
4. Can I get a loan for buying a second-hand house?
Second-hand houses can apply for mortgage loans according to the following procedures: 1. Application: The buyer and the seller take all relevant materials and go to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit the materials to the staff for review after filling in. The staff made a preliminary evaluation of the materials and gave the approximate loan amount and years. Then the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation. 2. According to the agreed time, the real estate appraisal agency will go to the Property Office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The specific time will depend on the agreed situation, and it can be completed within 3 to 5 working days. The counterparty is required to pay the evaluation fee. 3. Banks should examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and loan term according to the assessed house price and comprehensive lender qualification. The approval process usually takes about 5 working days. 4. After approval, the buyer shall pay the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days. 5. After obtaining the real estate license, apply for real estate mortgage registration and insurance. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.