For most of us, buying a house is a major event in life, so there are not many opportunities to get in touch with mortgage procedures. With the rising house prices, we have to use mortgage to buy houses for living or investment, but don't worry, Bian Xiao will give you an explanation about mortgage today. If necessary, please move your fingers and collect them for yourself or your family. Maybe it will be used one day.
1. First of all, pay attention to your mortgage type. The type of mortgaged property also determines whether you can successfully apply for a loan to buy a house to some extent. Therefore, if you want to apply for affordable housing loans, you should pay attention. Many local policies clearly point out that foreigners can't buy affordable housing, so they can't handle loan business.
2. When making a mortgage loan, you might as well pay attention to the interest rate again. When we use commercial housing or affordable housing for housing loans, the first consideration is to use provident fund loans, because the interest rate of provident fund loans is the lowest among all loans, but when signing an agreement, we must see whether the real estate developer and the fund management center have agreed. If so, you can only choose commercial loans.
3. For the second-hand house, if it is used as a mortgage loan, it is necessary to ensure that the house is built within 10 and is the applicant's private property.
4. When signing a house purchase contract, it is also necessary to see whether the mortgage clauses in the contract conform to the relevant national laws and the terms supervised by the state or the industrial and commercial bureau, such as the commercial housing sales contract. Once unreasonable points are found, they should be pointed out and corrected in time.
It has become a common law in the industry that the house with mortgage loan should not be too old and the location should not be too remote. If the mortgaged house is almost uninhabitable or there are great hidden dangers in decoration, it will be impossible to apply for a mortgage loan successfully. And most banks have many restrictions on the amount of loans. You know, houses under 65,438+10,000 are basically difficult to mortgage.
Having said that, I think everyone can sum up a truth. The most important factor of mortgage loan is the liquidity and overall value of the house, so we should conduct a comprehensive investigation and analysis of our house before mortgage loan. If the value is not high, there is no need for mortgage.
Tubatu Online provides you with "every decoration quotation, 1-4 local decoration companies, 3 sets of decoration design schemes" and the decoration pit avoidance strategy for free! Click this link:/Zhu Ye /zxbj-cszy.php? to8to_from=seo_zhidao_m_jiare
2. Due to the differences in real estate assessment, an appraisal report is required when applying for real estate mortgage loan, but the bank will also appoint an appraisal agency to re-evaluate the value of the real estate to be mortgaged. If there is a big discrepancy between the two, it is likely that the bank will refuse the loan because it thinks you are suspected of fraudulent loans;
3. Restrictions on personal credit, such as unstable professional income, bad credit and inability to pay. Many people want to get a high loan, but you have to have a corresponding income to match it.
7, real estate mortgage loan application materials
1, original property certificate, house purchase contract and invoice;
2. Original ID card and household registration book;
3. Marriage certificate;
4. Original spouse ID card/original property owner ID card.
8. Amount of real estate mortgage loan
Generally speaking, different houses have different mortgage loans. Under normal circumstances, the mortgage of commercial housing can reach 70%, the mortgage of shops and office buildings can reach 60%, and the mortgage of industrial plants can reach 50%. For example, Xiao Li in chenghua district has a house with an appraisal value of 1 10,000 yuan, so Xiao Li Can can get a mortgage loan of 700,000 yuan at most, and the specific loan amount is also related to the borrower's work, income, credit information and other factors, so if you have any questions about the loan amount, you can directly call Rongcheng CreditEase Customer Service Hotline for free consultation on house appraisal.
9. Real estate mortgage interest rate
The mortgage interest rate of real estate fluctuates on the benchmark interest rate of central bank loans, and the benchmark interest rate is:
1, loans within one year (inclusive), with an annual interest rate of 4.35%;
2. For loans from one year to five years (inclusive), the annual interest rate is 4.75%;
3、
Fourth, hurry! What should I pay attention to when looking for an intermediary to make a mortgage loan?
Using a house as a mortgage loan to find an intermediary should pay attention to the following points:
1. Time must be specified. This time is the time for lending, not the time for lending. A lot.
2. The cost of mortgage consumer loans is between 1.5 and 2 points. Including agency fees and third-party cash withdrawal fees.