Can I still get a loan to buy two sets if the first home loan has not been paid off? If I borrow from China Merchants Bank, the down payment ratio and loan amount of housing loans should be subject to local regulatory policies. It is recommended to consult the account manager of the local branch in detail.
Can the first home loan be mortgaged to buy a second home? Can the first home loan be mortgaged twice?
The materials required for primary mortgage and secondary mortgage are basically the same as those for primary mortgage:
1, ID card
2. Household registration book
3. room book
4. Marriage certificate
5. Personal credit report
6. Initial loan contract
These materials are within your reach.
Second, the production process of two mortgage is very simple:
1. Prepare materials and interview.
2. Home visit within two days
The result will be announced in three days.
4. Notarization and mortgage within one day (90% of the loan amount can be advanced)
5. Mortgage and loan
Three. Requirements for applying for housing in two mortgage:
1. There is a private house in and around Tianjin.
2. The room age is less than 25 years, and the area is not limited.
3. Age 18-60 years old.
4. The application amount is more than 200,000 yuan.
5, half a year running water is greater than liabilities.
Can I buy a second suite if the mortgage on the first suite has not been paid off? The borrower has the repayment ability and can buy a second house property.
Process of handling mortgage to buy a house loan:
1, select real estate;
2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;
3. Apply for mortgage loan;
4. Sign a house purchase contract. After examination and confirmation that the purchaser meets the conditions of mortgage loan, a loan consent notice or a mortgage loan commitment letter will be issued;
5. Property buyers can sign pre-sale and sales contracts with developers or their agents;
6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;
7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;
8. Open a special repayment account;
9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;
10. The borrower repays the loan regularly according to the contract.
Can I still borrow a second home if the first home loan is not settled? If you intend to apply for a personal housing loan through our bank, you must comply with the local housing purchase policy, and the age plus loan period must not exceed 70 years old. At the same time, it is necessary to provide proof materials such as use certificate, identity certificate and income certificate. Please contact the personal loan manager for details.
The first home loan in Shanghai has not been paid off. Can you afford the down payment on the second house? Then the total area of the two houses can't exceed the number of your family members *80 square meters, or you will have to pay a large amount of property tax-Chen Lide Real Estate Guarantee Manager.
The first home loan has been paid off and I want to buy a second house, but the down payment is not enough. Can I get a loan only if I meet its conditions?
Conditions for loan processing:
1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;
5. Other conditions stipulated by the bank.
The loan for the first suite has been paid off, and the second suite is still there. You can buy the third suite, because if you buy a house with a personal loan, you have already paid back a house, so there is still a personal mortgage, and you can choose to continue to borrow to buy a house.
Those who have not paid off the mortgage of the first home can pay down the second home, as long as they provide proof of income that can afford the loan and have no bad record of commercial loans before.
Under the premise of meeting the conditions of provident fund loans, you can apply for provident fund loans to buy two suites.
The second set of down payment is 40%.
The loan for the first suite has not been repaid. Can I borrow the second suite? If the first home loan has not been settled, I can buy two sets by mortgage, but the down payment should be 60% and the interest rate should go up.