I bought a house with a provident fund loan and haven't paid off the loan yet. Can I refinance the loan?
Of course. Loan conditions of mortgage loan:
1. has legal status;
2. Have a stable economic income, have the ability to repay the principal and interest of the loan, and have no bad credit record;
3. There is a legal and effective purchase contract;
4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
5. Being able to provide effective guarantee recognized by the loan bank;
6. Other conditions stipulated by the lending bank.
Can a house bought with a provident fund loan be mortgaged twice without paying off the loan?
Can the company handle the second mortgage of the house that is currently using the provident fund to repay the mortgage? Is it the appreciation part of the loan house? Can I go to the provident fund again?
Can a house with a provident fund loan be mortgaged again?
Yes!
Mortgage loans are generally commercial in nature, while housing provident fund is generally a national housing welfare fund (with low interest), so it has different purposes; Provident fund loans can only be used once. The maximum loan amount (in Dalian) is 400,000 for one person and 500,000 for two people. According to the specific situation of the house, each place has its own regulations, and the loan can reach 60% of the total value of the house (for the first time).
However, the conditions of provident fund loans and mortgages are basically the same (the credit information cannot be too bad, the repayment ability is strong, and there is a stable job. ).
Can I refinance my house with a provident fund loan?
No problem.
Real estate mortgage loan process:
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.
Information on applying for housing loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
Can a house bought with a provident fund loan be used as a mortgage loan?
First of all, mortgage loans need property certificates of houses. If the house is being mortgaged, the lender cannot mortgage the house to the bank because he has not obtained the property right certificate of the house.
If you want to make a mortgage loan before paying off the principal and interest, you can use the purchase contract as collateral to borrow from the bank. If the buyer can't repay the principal and interest within the time limit, the bank can sell the house to offset the arrears.
At the same time, you can also consider the following methods:
Method 1: Ask the guarantee company for help.
Although banks don't accept houses with outstanding loans as collateral, if there is a guarantee company, it is expected to turn the situation around. Most guarantee companies have short-term mortgage demolition business, that is to say, guarantee companies pay off the remaining balance for borrowers, and borrowers are eligible to apply for mortgage loans again. Although the method is good, the disadvantage is that the borrower needs to pay a higher loan cost and the use time of funds is limited. Many guarantee companies stipulate that the longest loan period is half a year, and some are less than half a year. But the loan interest rate is also relatively high.
Method 2: Apply for a credit loan directly.
The so-called comparison is the only identification method. In addition to looking for a guarantee company, borrowers can also choose to finance through credit loans. This way means that the borrower directly applies for a loan from the bank with personal qualifications such as credit and income, and through the "support" of the intermediary company, the extra cost incurred by the borrower can be effectively reduced.
But for people with low income, the limit of their loan amount is even greater. However, if you want to guarantee the loan amount and save costs, the borrower can also find a better qualified relative to apply for a loan if conditions permit. Borrowers should also weigh which loan method is most suitable for them according to their own situation.
Method 3: Make a "portfolio" loan.
If the borrower's qualification is good, but the credit loan amount can't meet your demand for funds, you can also choose to apply for a credit loan first, and the rest of the funds can be obtained by finding a guarantee company to guarantee the borrower. In this way, the ideal state of relatively low interest rate and relatively large loan amount can be achieved as much as possible.
Can the house be mortgaged after the provident fund loan? Can a house with provident fund loans be mortgaged?
If it is China Merchants Bank, it does not accept secondary mortgage at present, that is, the mortgaged property cannot be used as collateral to apply for a loan again. Specific policies can also be confirmed by contacting the personal loan department of local China Merchants Bank outlets.
In Dalian, it has always been a loan house, and it has been repaid for 8 years. Can I get a second loan now?
Yes, many financial institutions have credit products to mortgage houses. There are credit loans and mortgage loans (if the mortgaged house still has surplus value, it can be mortgaged once, which is called secondary mortgage).
Can the house bought by loan be mortgaged again?
Yes, you can. The second housing loan refers to the use of a house with a loan for two mortgage. Mortgaged houses can also be loaned. Unsecured houses can be mortgaged with a second loan according to the purchase contract. A mortgaged house can be mortgaged twice or twice in a short period of time, and the bank will approve the loan before lending. There is no risk. Customers in a hurry can borrow money from the bank on the same day.
First of all, there are prerequisites:
1. The real estate license has been obtained.
2. The property has residual value after deducting the previous mortgage loan amount. If the previous mortgage loan amount is far less than the property value, for example, the property value is 6.5438+0 million, only 6.5438+0 million is mortgaged, and there are more than 900,000.
3. The second mortgage can only take the residual value as the collateral value, and the general bank loan will be discounted, such as 60% off. You can only mortgage 90 times 0.6, which is 540 thousand.
4. In case of two mortgage, it is best to make additional mortgage loans in the same bank.
Two. Materials required for mortgage loan: 1. Application for loan (in duplicate); 2. Original and photocopy of ID card (1 copy), original and photocopy of household registration book (1 copy), marriage certificate and photocopy of spouse's ID card provided by the married person (each 1 copy); 3. Credit materials that prove the borrower's repayment source and repayment ability, such as salary certificate, tax bill, bank passbook (bill), securities, investment certificate and other property ownership certificates; 4. Original and photocopy of the letter of intent (one for each); 5. Real estate appraisal report;
6. Where other mortgages (pledges) are provided as phased guarantees, a list of mortgaged or pledged properties and ownership certificates, as well as a written statement of the person who has the right to dispose of them, including the spouse's consent to mortgage or pledge, shall be submitted.
Extended data:
The first and second mortgages are balance mortgages. According to the Property Law, as long as there is a balance in the value of the property after the first mortgage, it can be used as a second mortgage or a third mortgage. At present, the common forms of balance mortgage in China are generally five-color soil mortgage, pawn mortgage or professional loan company mortgage.
Second, the documents needed for the second mortgage.
Mainly according to the specific requirements of regional construction committees, usually only the applicant's real estate license (real estate license or house ownership certificate, land use certificate or purchase contract and invoice) and identity documents (resident ID card, military officer's card, etc.). ) are needed. According to the time of spending money in each district and county and the time of handling other rights certificates, in general, the loan can be released on the day of receiving other rights certificates.
Third, the requirements for the second mortgage of property.
Banks have different regulations on mortgaged properties, and have corresponding requirements on the completion date and the area where the property is located. For example, before 1995, there were more restrictions on real estate, or in some remote suburban counties, the loan ratio was less.
However, there is no restriction on the age and region of the property, and the property that can almost be registered as mortgage can be reasonably evaluated according to the price of similar property sold in the market at that time, so that the lender can obtain a higher loan ratio than the bank.
Can Dalian mortgage house get a second mortgage? What is the process?
Friends in Dalian, have you considered buying a mortgage house? If this is the case, before buying a house, you should carefully think about whether Dalian mortgage house can handle the second mortgage, and what is the process of Dalian mortgage house in the second mortgage, and then make a decision, otherwise you may regret it impulsively. Here I have collected some contents related to the above for your reference.
Friends in Dalian, have you ever considered buying a mortgage house? If this is the case, before buying a house, you should carefully think about whether Dalian mortgage house can handle the second mortgage, and what is the process of Dalian mortgage house in the second mortgage, and then make a decision, otherwise you may regret it impulsively. Here I have collected some contents related to the above for your reference.
Can Dalian mortgage house get a second mortgage?
Can a mortgaged house apply for a second mortgage? According to the current situation, we know that the house that is making mortgage repayment can apply for a second mortgage from the bank. When doing two mortgage, you need to pay attention to the following points:
1. In order to apply for the second mortgage, the borrower has obtained the house property certificate;
2. Usually, two mortgage loans can only be handled as mortgage loans in the same bank;
3. The year and area of building construction are within the regional service life meeting the requirements of the second mortgage of the bank;
Usually, the loan interest rate of two mortgages is the same as that of the first mortgage.
Therefore, the house under mortgage repayment can also apply for a second mortgage, but the repayment pressure of the borrower will be greater, so it is very necessary to make a repayment plan in advance.
What is the process of the second mortgage of Dalian mortgage house?
The process of mortgage housing is divided into two mortgage:
1. With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a house purchase contract or letter of intent;
2. Apply for a loan from the bank and submit relevant materials;
3. After the bank conducts a credit investigation and review on the borrower, it shall notify the borrower of the review results. If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a supplementary contract for housing mortgage loan with the seller, and the seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller.
4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller;
5. After obtaining the property right certificate of land and house, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank.
6. The borrower repays the loan on schedule.
The above is the information I have compiled for you about whether Dalian mortgage house can handle a second mortgage and what is the process of Dalian mortgage house's second mortgage. I hope you can get some inspiration from what I have compiled, and the experience of buying a house can bring you some help. It is also a good choice to buy with two mortgages.
This is the end of the introduction on the remortgage of Dalian loan house and how to do it. I wonder if you have found the information you need?