The process of handling second-hand housing loan is as follows: application, preparation of face-to-face signing, bank evaluation of the house applying for loan, bank examination and approval, tax payment and transfer, and obtaining a new property right certificate, which is handed over to the bank as collateral for bank lending. Second-hand housing loans are recommended by Mo Erlong, which are aimed at groups over the age of 25-55 who need large loans, as well as non-online lending groups, such as flowers and flowers, small degrees and so on. Students and groups need to be excluded.
Precautions for second-hand housing loan:
1, the lender is a foreign household registration, and the loan ratio may also be reduced.
2. Check the number of loan houses. Loans to buy more than two houses will reduce the number of loans and may even not be issued.
3. The age of the house. The age of second-hand housing has become the audit standard for many banks to issue loans. The longer the house is, the lower the loan ratio, and even the loan may not be approved.
4. Location, unit price and area of the house. For houses with remote location, low unit price and small area, the loan ratio is wide and low, and it may even not be lent.
5. The lender's age, personal credit and repayment ability. Lenders with old age, poor credit and low repayment ability may even refuse loans.
For more information about loans, please consult Mollon. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages, we strive to build industry standards in terms of customer acquisition, marketing, operation and product design, and provide customers with lower interest rates and more valuable loan products. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and small loan companies. Worth believing and guessing!
Can a second-hand house with the age of Chengdu 18 be mortgaged?
Hello, second-hand houses in Chengdu can be mortgaged, but the mortgage interest rate of second-hand houses is higher. It is understood that the second-hand houses of individual banks in Chengdu have risen by up to 40%. I hope my answer can help you.
Free red maple leaf 2023-0 1- 13
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Buying a second-hand house can also apply for provident fund loans, commercial loans and portfolio loans. The basic condition is that the male borrower is not over 65 years old and the female borrower is not over 60 years old. Non-local residents can also apply for the purchase of second-hand housing mortgage loans. The maximum amount of provident fund loans is 50% of the appraised house price, and the longest term is ten years. The specific loan amount and fixed number of years shall be subject to the inquiry result of the provident fund management center. The combined loan amount is 70% of the appraised house price, and the insufficient provident fund loan can be used for commercial loans, with the longest service life 15 years. The maximum amount of pure commercial loan is 70% of the appraised house price, and the longest term is 15 years. The monthly repayment ability of provident fund, portfolio and commercial loans shall not exceed 50% of the total household income.
Let nature take its course 00 122023-0 1-09
Houses after 2000 can be mortgaged, but it depends on your integrity and whether you have mortgaged before. If you have problems such as credit card overdraft before, the bank will be more cautious when reviewing your loan qualification. If you have made two mortgages before, and the settlement time is within 8 years, then you can't continue to make mortgages. If you have done mortgage before, then the second-hand housing mortgage can only get 40% loan.
How to handle the second-hand housing loan in Chengdu?
1. application
First of all, the buyer and the seller prepare the required information, fill in the application form for second-hand housing personal loan in the bank, submit the materials and application form, and apply for second-hand housing loan.
estimate
According to the agreement, the real estate appraisal agency evaluates the real estate and gives the appraisal report.
Step 3 agree
After the applicant's information is approved, the bank will approve the loan amount and term according to the housing appraisal price and the lender's comprehensive conditions.
Transfer ownership
After approval, the buyer pays the down payment, and then sells the above-mentioned and bank staff to the real estate exchange, and handles the transfer with the payment voucher and the mortgage application review commitment letter issued by the bank. 20 working days after the transfer, buy a house and apply for a new real estate license.
5. Others
After buying a house and obtaining a real estate license, you should handle mortgage registration and insurance and other related procedures in time. Note: Due to the particularity of second-hand housing transactions, banks generally designate loan guarantee companies to provide services, and guarantee companies generally charge handling fees and guarantee fees.
New Policy of Second-hand Housing Loan in Chengdu 202 1
Chengdu's latest housing loan policy: if a resident's family has no housing in Chengdu and no housing loan record (including commercial housing loans and provident fund housing loans, the same below), the minimum down payment ratio is 30%. The minimum down payment ratio for purchasing ordinary housing is 40%, and the minimum down payment ratio for purchasing non-ordinary housing is 50%. This policy is applicable to Sichuan Tianfu New District 12 area, including Chengdu Zhiguan District, Chengdu High-tech Zone (including South District and West District), Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district, Longquanyi District, Xindu District, Wenjiang District, Shuangliu District and Pidu District.
First, investigate the source of the down payment. For example, in the first case, if you make a down payment, you should check your running water in the past six months; In the second case, if the down payment has funds from parents, you should also check the bank flow of parents in the past six months, not only need to provide the transfer record of parents' funds, but also provide the flow of the card in the past six months; In the third case, if the down payment is obtained by selling the house, please provide a summary of the buyer's property right certificate under the tripartite contract.
Second, loans are difficult. The first step of loan is to go to the bank for face-to-face signing, and the face-to-face signing of commercial loan needs to approve the buyer's income certificate and bank flow. As for the running water of banks, many banks now have to look at your running water for six months to one year, and the word "salary" should be reflected in the running water; As for the proof of income, it must be at least 2.2 times the monthly debt. Secondly, banks will also look at credit information. If it is overdue, it cannot be three times. 6: overdue for three times in a row, and overdue for six times. Note: Credit information will be available within 5 years.
Third, the loan period is long. Generally speaking, there is not much time difference in loan approval. The approval of commercial loans and pure provincial provident fund in some banks is relatively fast, but it can be completed in about 1- 1.5 months. Under normal circumstances, it is conservatively estimated that the loan time starts from 6 months. At present, the loan period of pure provident fund loans is about 1-3 months; If it is a portfolio loan, the lending period is about 6 months.
Chengdu second-hand housing transaction process
Hello, the transaction process of second-hand houses in Chengdu is as follows
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2. When signing the contract, the buyer and the seller shall sign at least three house purchase and sales agreements with each other according to consultation. The seller carries the official valid certificate of the house, the buyer can pay the deposit, and the buyer and the seller sign the house purchase contract.
3. For the transfer, the buyer and the seller apply to the real estate transaction management department. After the buyers and sellers submit the application procedures to the real estate management department, the management department should check the relevant documents and check the property rights.
4. Signing: After the pre-established examination and approval authority of the trading department gradually applies for approval, both parties to the transaction can go through the signing formalities.
5. Pay taxes and fees. The composition of taxes and fees is more complicated, depending on the characteristics of the transaction house.
6. Apply for property right transfer and property right transfer. After the real estate transaction management department completes the filing of property right change, both parties will hand over the transaction raw materials to the issuing department, and the buyer will get a new property right certificate from the issuing department with the Notice of Obtaining the Property Right Certificate.
7. Financial institutions provide loans, and the other party's housing transactions are evaluated to determine the buyer's loan credit limit, and then the buyer is allowed to make loans until the other party's property rights change is filed, and the bank reviews the buyer's credit evaluation, and the buyer issues loans in one lump sum after receiving the certificate of immovable property rights.
8. The second-hand house purchase contract will come into effect after the buyer obtains the certificate of immovable property rights and settles all the purchase price, and the seller delivers the house and pays all the property management fees.
How long does it take for the transaction process of second-hand houses in Chengdu?
If you buy a house in full, it will take at least a long time If it goes well, 10 jobs can be done every day. If it is a commercial service loan, the procedures are complete, and the choice of commercial service loan can be made in about 2 months from the gradual signing to the transfer of property rights. If it is a personal provident fund loan with complete procedures, the whole process will take longer than a commercial service loan, but it can generally be carried out within three months on the premise of complete procedures, and the provident fund in Sichuan Province has increased slightly.
Second-hand housing transaction process is complex, the purchase method is different, and the time required is different. Generally speaking, buying a house in full is faster, followed by commercial service loans and Chengdu provident fund loans, then Sichuan provident fund loans, and finally portfolio loans. However, in some special cases, it is necessary to calculate the cycle time separately.
The introduction of commercial loans for second-hand houses in Chengdu and the process of commercial loans for second-hand houses in Chengdu have come to an end. I wonder if you found the information you need from it?