1. At present, the down payment ratio of the first suite purchased by commercial loans in Beijing is 30%. 2. When buying a first-hand house in Beijing and an ordinary house with an area of less than 90 square meters, the down payment ratio of the provident fund shall not be less than 20%. 3. When buying a first-hand house in Beijing and an ordinary house with an area of more than 90 square meters, the down payment ratio of the provident fund shall not be less than 30%. 4. In Beijing, the down payment ratio of provident fund shall not be less than 30% when purchasing ordinary housing with a second-hand house area of less than 90 square meters and a house age of less than 5 years.
1. What are the extraction conditions of housing provident fund?
1. Purchase, build, renovate and overhaul owner-occupied housing;
2. Reaching the national legal retirement age, or having gone through the retirement formalities formally;
3. Completely lose the ability to work, and terminate the labor relationship with the unit;
Second, the provident fund withdrawal process:
1. Sign the payment agreement. The Buyer and the Seller sign the loan fund transfer payment agreement.
2. Entrusted assessment. The loan applicant entrusts a housing appraisal institution recognized by the housing provident fund management center to evaluate the transferred house and issue an appraisal book.
3. house transfer. The buyers and sellers handle the house transfer formalities in the real estate registration department, sign the house sales contract, complete the deed tax payment formalities in the tax collection and management center, and obtain the property right certificate after the transfer.
4. Loan application. The loan applicant shall fill in the Application Form for Individual Housing Provident Fund Loan at the Housing Provident Fund Management Center with the materials required for the aforementioned provident fund loan, and make a record of the loan interview.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
How long can I get the real estate license of Beijing loan to buy a house?
It usually takes about 20 days to get it.
The procedures for handling the real estate license are as follows:
1) Within one month after the real estate transaction, both the buyer and the seller shall go to the real estate exchange to register the transfer of ownership with the purchase contract and other documents;
2) After receiving the notice of the transfer formalities from the Exchange, the buyer and the seller should carry their ID cards. , you can go through the transfer formalities after paying the handling fee, deed tax and stamp duty;
3) After completing the transfer formalities, the buyer shall register with the Housing and Land Administration Bureau where the house is located with the house sales contract within three months;
4) After being audited by the real estate management department, the buyer can get the title certificate.
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 do individuals handle mortgages?
First, the loan application conditions
When applying for loans, Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of residence in Beijing, overseas and foreign citizens must meet the following conditions:
1, with legal residence status;
2. Have a stable occupation and income;
3, have the ability to repay the loan principal and interest on schedule;
4. There are assets recognized by the loan bank that can be mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions for their guarantee;
5, there is a contract or agreement to buy housing;
6. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required;
7. Other conditions stipulated by the lending bank.
Second, the required materials
The borrower shall fill in the Application Form for Individual Housing Loan in China Construction Bank or the agency of the developer who signed the Cooperation Agreement with China Construction Bank, and provide the following materials:
1, my household registration book, ID card or other valid proof of residence;
2. Proof of occupation and income;
3, purchase contract or letter of intent and other related documents;
4. Proof that the down payment accounts for 30% of the house price;
5. Other materials required by the agency of China Construction Bank.
Third, go through the formalities
1. The agency of China Construction Bank or the law firm (or notary office) entrusted by China Construction Bank investigates the information provided by the borrower.
2, CCB agencies to approve the borrower's application.
3. The borrower opens an account, obtains a savings card and signs a loan contract.
4. Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures.
5. The loan contract takes effect and the funds are transferred to the developer's account.
Extended data:
Matters needing attention in handling:
1. Submit a loan application: After you sign the house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.
Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.
2. Investigation accepted by the bank: After receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month.
During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.
3. Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.
4. Both parties shall go through relevant formalities: the bank informs the loan applicant that after the loan is approved, it is necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding.
5. Bank loan: After all loan procedures are completed, the bank transfers the loan funds to the account of the real estate developer, and the loan relationship is established, and the lender repays the loan according to the regulations.