The first thing depends on what kind of loan you use. Provident fund loan interest rate is low, and free repayment is more convenient. Commercial loans can be borrowed more. Provident fund loans can only be up to 400,000 yuan. (If your personal credit is relatively high, that is to say, your education \ salary \ professional title is high, you can evaluate the loan level. The maximum loan is 520,000. If it is not enough, you can choose provident fund loans, commercial loans = portfolio loans. Your question is supplemented. Now the house belongs to the developer. As long as the developer has 5 certificates, I can provide you with the down payment invoice and the purchase contract. The house can be loaned. No matter what kind of loan, you need to provide the ID card \ household registration book \ marriage certificate of the purchaser and spouse and the repayment passbook of the bank. Commercial loans also need a copy of the company's income certificate \ business license. It should be noted that some developers think that provident fund loans are troublesome and advocate that you use commercial loans. For example, if you apply for a provident fund loan yourself, you can go directly to the provident fund management center in the area where you buy a house. Commercial loan.
2. What are the procedures and conditions for the second mortgage loan of Foshan house?
1. The houses in the two mortgage loans are both residential and commercial.
2. The house used for personal housing in the second mortgage must be an existing house.
3. The house is a first-hand house purchased by bank mortgage loan.
4. The house has been registered as mortgage, and the bank is the mortgagee of the house.
The house has been insured by the bank, and the original policy is managed by the bank.
6. The house has a superior location, convenient transportation, complete facilities and strong mobility.
7. The borrower is a customer of the bank's first-hand mortgage loan, with stable income, good credit and strong repayment ability during the repayment process, and no interest default on the first-hand loan.
3. What is the housing loan policy in Foshan?
It is common to buy and sell a house and calculate how much it costs to decorate your home. Nowadays, housing prices in major cities are very high, and many buyers will choose loans to buy houses. However, many cities have introduced loan restriction policies. If you want to borrow money to buy a house, you need to meet the relevant requirements of the policy. So what is the housing loan policy in Foshan? Next, Bian Xiao will briefly introduce it to you. 1. According to the relevant provisions of Foshan's loan restriction policy, residents purchase the first home in Foshan's restricted purchase area, and the minimum down payment ratio is 30%; If you have a house under your name, but the mortgage has been settled, when you apply for the purchase of ordinary commodity housing again, the minimum down payment ratio is 30%; If there is a house under the name but the mortgage is not settled, the minimum down payment ratio is 40% when buying ordinary commercial housing again. If there are 2 or more houses or 2 mortgage outstanding records in our name, we will not be able to apply for a housing loan again. 2. When applying for a housing loan, you need to meet the conditions of a bank or provident fund housing loan. For example, if we want to apply for a housing provident fund loan in Foshan, the borrower needs to be a natural person with full civil capacity and an employee who has paid the provident fund in Foshan. If it is an employee who pays in a different place, the borrower or spouse needs to have a household registration in this city. 3. To apply for Foshan housing provident fund, the borrower also needs to pay the housing provident fund in full and on time in the first six months, with a cumulative deposit of 1 year; The borrower has a stable occupation and income, has the ability to repay the principal and interest, and can provide qualified property as collateral and other conditions. If the borrower has paid the provident fund in full for three years, the maximum loan amount is 500,000 yuan/person; The loan period of commercial housing is no longer than 30 years. Bian Xiao Abstract: What is the housing loan policy in Foshan? Here Bian Xiao will give you a brief introduction. I hope everyone can understand Foshan's housing loan policy after reading this article. We also need to meet the requirements of the local purchase restriction policy when buying a house in Foshan's restricted purchase area. Enter the area and get the decoration quotation for free.
Four, ready to buy a house, how to open an account where there is no property right certificate?
I don't quite understand what you mean. If you buy a house, what is the connection between no title certificate and the location of your household registration? Do you need to issue a certificate to prove that your account is located and there is no property?