It is easy to buy a house with a loan, but it must meet the requirements of the bank and provide qualified application materials.
First, the information needed when buying a house loan:
According to the difference between first-hand houses and second-hand houses, the details are as follows:
1, first-hand housing mortgage loan
If you buy a newly developed new house, you need to use the newly bought property as collateral and apply for a mortgage loan for the lender yourself.
Loan procedures need: identity certificate, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, guarantee certificate of guarantee company, etc.
2. Second-hand housing mortgage loan
If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan from the lender.
Loan procedures need: identity certificates of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, appraisal report, income certificate of the buyer's husband and wife, proof of no house, etc.
Second, the housing loan requirements:
This needs to be determined according to personal qualifications. Buy a first-hand housing loan or a second-hand housing loan, a commercial loan or a provident fund loan? The loan amount for first-hand houses is 70% of the property value, and that for second-hand houses is about 50%. In other words, the first-hand housing loan down payment needs at least 30%, the second-hand housing down payment needs more than 50%, and some banks need about 60%. The interest rate of commercial loans to buy a house is 6.9% for less than five years and 7.05% for more than five years. The interest rate of housing provident fund loans for more than five years is 4.9%.
Third, the housing loan problem:
There are many reasons why the mortgage can't be done, so in practice, different situations have different treatments. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is an important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved. If there is no agreement or the agreement is unclear, it should be handled according to the following principles:
1. developer's reason: if a developer sells a house that is not qualified for sale, that is, if the developer fails to obtain a pre-sale permit or sells an existing house that is not qualified for use, the bank will not grant a loan when reviewing this situation. At this point, the buyer can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.
2. Reasons for the buyer: If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not approve the loan, and the buyer will be liable for breach of contract.
3. Non-seller's reasons: If the government policies or bank regulations change and the loan that the buyer should get cannot be realized, the buyer should negotiate with the developer. If negotiation fails, there is no agreement in the contract. Property buyers can prove that they are not at fault and are really unable to buy a house, and ask the developer to repay the down payment and deposit.
Therefore, it is easy to get housing loans. The key is that you should prepare complete information and understand the legal knowledge contained in it. Familiar with the process of housing loan, handle it freely.
I want to borrow money to buy a house. What should I do with it? What are the requirements?
I want to borrow money to buy a house. What should I do with it? What are the requirements?
Buying a house with a loan is actually not as troublesome as I thought ~! As everyone said, you need a household registration book and an ID card. If you get married, you need a marriage certificate and proof of income. These are all necessary ~! Then the number of years you want to borrow determines your monthly repayment amount ~! It should be your age, the building age of the house is equal to the loan period, and the loan period cannot exceed 60 years at the longest ~! What you need to pay attention to is whether you have an overdue credit card or a bad credit record in the bank ~ These will affect your loan ratio ~!
There must be personal credit certificate (and personal reputation) and income certificate (which can be provided by the work unit), and then a copy of the provincial certificate household registration book and other documents. Personal loans are more troublesome now. It is best to consult a bank or a formal real estate company!
What conditions and procedures do Shijiazhuang need to apply for a loan to buy a house?
To apply for housing loan in China Merchants Bank, it is necessary to comply with the local housing purchase policy. For specific policies, please consult the loan department of local China Merchants Bank. Age plus loan period should not exceed 70 years. At the same time, you need to provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.
If you need to apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, you need to directly contact the personal loan department at the local counter to provide personal information and the purchased property for application.
If you need to apply for a second-hand real estate loan, you usually apply for a loan from the bank first, and then go through the formalities of property transfer. You can provide your specific information and purchased property by contacting the local counter personal loan department, and the counter personal loan department will review your comprehensive situation to determine whether you can handle it.
What are the conditions for buying a house with a commercial loan?
Identity certificate (ID card, household registration book), marriage certificate (marriage certificate, unmarried certificate, divorce certificate, divorced unmarried certificate), income certificate (running a bank). People who are not registered in the place where the house is located have difficulty in getting loans, so the down payment should be increased (about 40%), and there is no interest rate concession. The work unit is better, preferably civil servants. Youfang Com provides comprehensive and timely real estate news and information content, and provides online browsing, owners' forums and community websites for all real estate. Website: ufangw.
How to borrow money to buy a house? What are the requirements? Program?
Loan to buy a house;
1. When applying for a commercial housing loan, an individual shall provide the following information: 1, the household registration book, identity card and photocopy of the borrower's husband and wife (the same owner). 2. The purchase contract or agreement signed with the sales unit. 3. The position and income certificate issued by the borrower's unit. Private enterprises mainly provide business income and tax payment certificates, business licenses and copies issued by relevant departments that can show their debt repayment. 4. The borrower's down payment deposit certificate and a copy. 5, personal housing loan application form (provided by the bank format). 2. Procedures for individuals to apply for housing loans: 1. Sign a house purchase agreement with the development company. 2. Fill in the personal housing loan application form and provide the information required by the bank. 3. After the bank has passed the examination, deposit the down payment into the bank or issue a down payment certificate. 4. After approval, sign loan contract, mortgage contract and guarantee contract. 5. Handle mortgage registration, home insurance and notarization procedures. 6. Go through the loan entry and transfer procedures. 7. Go to the development company to handle the relevant household procedures.
What conditions do you need to buy a house with a loan?
When handling mortgage loans, banks require lenders to pay a down payment of 20% or more of the total house price as a prerequisite. The materials that the buyer needs to submit for mortgage loan in Beijing are: 1, ID card, household registration book, marriage certificate for married people and temporary residence permit for foreigners coming to Beijing; 2. Personal income certificate issued by the work unit with the official seal of the unit; 3. A copy of the business license of the work unit and its official seal; 4. Copy of down payment invoice; 5. Proof of repayment credit, such as certificates of deposit and securities, can be about one third of the loan amount. 6. Original purchase contract. The time for bank audit is generally about one month, and eligible banks will issue loans in time.
How to borrow money to buy a house, what conditions are needed?
To apply for a housing loan at China Merchants Bank, you must comply with the local housing purchase policy, and the age plus loan period shall not exceed 70. At the same time, you must provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.
What are the conditions for buying a house in Kunshan and how to get a loan?
Those who meet the bank loan conditions can go to the bank.
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
Requirements for bank loans:
(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Other conditions required by the lending bank.
These procedures are usually divided into three steps:
(1) Basic information submitted by the customer, including work unit and contact telephone number.
(2) The lending bank or company should check the credit information of customers, including whether there are any illegal records in the credit rating of customers, and investigate the business operation status of self-employed individuals and small and medium-sized enterprises.
(3) The staff of the lending unit signed a contract with the customer to realize the loan in the shortest time.
What are the conditions for Pengzhou loan to buy a house?
1. First-hand housing mortgage loan
If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.
The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.
Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.
2. Second-hand housing mortgage loan
If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.
Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.
What are the conditions for Xiangyang loan to buy a house?
Hello, everyone is from Hubei. First of all, you have to have a fixed income to buy a house with a loan in Xiangyang-show proof of income (income is twice your monthly payment); Bank running account corresponding to the income certificate; Then the others are ID cards and household registration books.
What are the conditions for Wuhan to buy a house with a loan?
Personal loan requirements:
1. Personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;
2. Proof of stable address, house lease contract, utilities, property management and other related certificates;
3. Proof of stable income source, bank flow sheet, labor contract, etc.
The application time depends on the efficiency of the loan company. Amoy financial loan platform is a good loan company. Application materials: 1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; 2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates; 3. Provide stable proof of income source, bank flow sheet and labor contract.
How can I borrow money to buy a house?
Personal commercial housing loan process
I. Basic conditions
Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.
The purchased commercial house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business operation.
A house purchase contract or agreement has been signed (hereinafter referred to as "house purchase contract"), and more than 40% of the house purchase price has been paid.
With the assets recognized by the loan bank as collateral, the present value of the house purchased is not less than RMB 300,000.
It is agreed to handle the bank card (discount) at the loan bank and entrust the loan bank to deduct the principal and interest of each loan.
Two, should provide the following information
Valid identity documents, proof of marital status and other necessary documents of the borrower and the mortgagor;
The real estate certificate of the mortgaged house and the certificate that the mortgaged property agrees to mortgage;
Letter of intent signed by the borrower, receipt of more than 30% of the purchase price or other supporting documents;
Other materials deemed necessary by the lender.
Three. General commercial terms
The loan amount is determined according to the borrower's personality, occupation, education level, repayment ability and the liquidity of the purchased house (including mortgaged house). If a house owned by itself or provided by a third party is mortgaged, it shall not exceed 70% of the present value of the mortgaged house, 60% of the purchase price of the house, and in principle shall not exceed 500,000 yuan.
Term of the loan: generally within ten years, and the maturity date of the loan cannot exceed the borrower's 65 years of age in principle.
The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.
The Borrower shall repay the loan principal and interest according to the repayment method and repayment plan agreed in this Contract. If the loan term is within 1 year (including 1 year), the interest shall be paid quarterly and the principal and interest shall be settled at maturity; If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid by equal monthly installments.
Four, personal commercial housing loan process
(1) The borrower applies for a loan from the lending bank and provides relevant information to the lending bank.
(2) After accepting the loan application, the loan bank shall organize personnel to conduct investigation and approval.
(3) After investigation and approval, the borrower is required to open a deposit account or bank card in the loan bank, sign a loan contract with the borrower and the mortgagor, and go through mortgage registration and insurance procedures.
(4) After completing the above procedures, the loan bank will issue the loan on the same day and transfer the money to the deposit account or bank card opened by the borrower in the loan bank.
5. The borrower shall deposit enough money in his wealth management card account before 20th of each month (quarter) and pay off all principal and interest on the due date.
After the loan is returned, the lender cancels the collateral and returns it to the customer.
Extended data:
When buying a house with an equal principal and interest loan, the formula for calculating the monthly repayment amount is:
[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]
Calculation principle: from the beginning of monthly contribution, the bank collects the interest of the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.
Interest rate calculation
When buying a house with an average capital loan, the formula for calculating the monthly repayment amount is:
Monthly repayment = monthly principal, monthly principal and interest
Monthly principal = principal/repayment months
Monthly principal and interest = (principal-total accumulated repayment) x monthly interest rate
Calculation principle of average capital interest rate: the amount of principal returned every month is always the same, and interest will decrease with the decrease of remaining principal.
Mortgage method
(1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund.
Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund.
However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses.
(2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.
(3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.