How to apply for commercial and residential apartment loans?
1. You can borrow money from the bank. At present, the benchmark loan interest rate issued by the central bank is 6% for one year and 6. 15% for two to three years. Four to five years, 6.4%; More than six years (including six years) 6.55%. Generally, banks will fluctuate according to your personal credit status, which will generally rise by 10% to about 20%. The specific loan interest rate is subject to the local bank.
2. You can use provident fund loans. It should be pointed out that:
(1) The provident fund recognizes the house but denies the loan, and the commercial house is not included in the purchase restriction, which means that you don't have any real estate in your name now (everything is family-oriented), so as long as the house you buy now is less than 90 square meters, you can get a loan of 80% of the appraised house price at the highest, which is the so-called down payment of 20%.
(2) The provident fund has an upper limit, with a maximum of 654.38+0.04 million. This is an AAA rating. State-owned enterprises can go to the provident fund management center in advance to check, and municipal enterprises are waiting.
(3) Provident fund loans, with previous loan records to provide evidence.
Commercial and residential buildings do not affect the purchase of the second suite, but special attention should be paid to applying for commercial and residential building loans. Remember not to delay the purchase of the second suite. After all, many policies are effective for ordinary houses. In addition, remind everyone that important things should be said three times. The commercial and residential building loan does not affect the purchase of the second suite, so you need to pay attention when applying to avoid affecting your second suite purchase.
The process of buying a house with a loan
1. Apply for a loan from the bank. Submit the original and photocopy of identity documents (referring to resident identity cards, household registration books and other valid residence certificates). Non-locals also need to provide valid certificates and copies of their spouses. If the borrower and spouse are not in the same household registration book, they must also provide a marriage certificate, 30% of the house price, 40% or more of the self-raised deposits of non-locals and proof of economic income issued by the work unit with repayment ability.
2. Determine the loan amount and term. If you are a resident of this city, the maximum loan amount is 70% of the house price, and the loan period is up to 20 years. For foreigners, the maximum loan amount is 60% of the house price and does not exceed 300,000 yuan, and the longest loan period is 10 year. Of course, this is a local policy. Provident fund loans and commercial loans have different requirements for loan terms.
3, the loan bank review. The loan bank examines the materials and certificates provided by the borrower, mainly examining whether the borrower belongs to the borrower, whether it meets the loan conditions and whether it has enough ability to repay the loan principal and interest, then determining the actual loan amount, and telling the borrower to promise the loan, and then signing the contract.
4. Notarize the house mortgage contract. After the contract is signed, you should go to the local notary office to notarize the mortgage contract, and the notarization fee shall be borne by the loan bank. Then, with the mortgage contract notarized by the notary office, go to the real estate registration department of the district and county where the purchased house is located, go through the insurance formalities of the purchased house and wait for the loan.