If you need to use a loan to buy a second-hand house, you need to know all the details of the loan to buy a house in advance and submit sufficient materials to ensure that the loan can be done. So how long is the term of the second-hand housing commercial loan, and what are the details of the second-hand housing commercial loan? Do you know that?/You know what? Now let's have a look.
1. How long is the commercial loan for second-hand houses?
The term of commercial loans for second-hand houses generally does not exceed 40 years, and the loan term should be determined according to the following conditions: ① The loan term shall not exceed the term of land use rights; ② The loan term and the age of the lender shall not exceed 65 years old; (3) The lender has sufficient economic strength to repay the required principal and interest every month.
Second, what are the details of the second-hand housing commercial loan?
1. Before buying the selected second-hand house, you need to fully understand the information of the house and find more time to communicate with the seller. At this time, we should not only thoroughly understand the quality and property rights of the house, but also focus on the personal information of the seller to see if it belongs to the owner of the house and ensure the interests of the buyers.
In the process of signing the house purchase contract with the seller, we need to pay attention to the blank places in the contract and see what they fill in. At the same time, we need to write all the concessions given by the seller into the contract. Finally, we need to check all the terms in the contract to ensure that there are no unfavorable terms.
3. When conducting real estate transactions, it is also necessary to ensure that the seller's certificates are complete. If there is a * * * on the real estate license, you need to sign it with everyone. In this process, it is best to choose a large brand intermediary company for custody, and then pay the house price to the seller after the transfer.
How long is the term of second-hand housing commercial loan? What are the details of second-hand housing commercial loan? Let me introduce it here first. You got it? If you buy a second-hand house and use a commercial loan, you need to be careful not to fall into the trap of the seller and take every link into account.
What about the commercial loan process of second-hand houses?
The business process of personal second-hand housing loan is: 1. Sign a sales contract; 2. Apply for a loan; 3. Real estate appraisal; 4. Loan approval; 5. sign a contract; 6. Handling property transfer and mortgage registration procedures; 7. Sign the "loan receipt"; 8. Issuing loans; 9. Repay the principal and interest.
Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
What is the down payment of commercial loans for second-hand houses, and what are the influencing factors?
The down payment of second-hand housing commercial loans is affected by the loan amount, which is determined by the housing evaluation value. That is, down payment = house transaction price-house appraisal value × loan ratio.
1. What is the down payment for commercial loans for second-hand houses?
In 20 17, "3. 17 New Deal" readjusted the down payment ratio of commercial loans, namely: 35% for the first ordinary house and 60% for the second one; The first set of non-ordinary housing 40%, the second set of 80%. The calculation method of down payment for commercial loans of second-hand houses is different from that of new houses. The down payment of commercial loans for second-hand houses is equal to the transaction price-house appraisal value × loan ratio, and the loanable amount of second-hand houses is equal to house appraisal value × loan ratio.
Note: The down payment of second-hand houses is generally higher than the actual income, because the loanable amount of second-hand houses is generally an integer. If the loanable amount calculated according to the formula is 659,000 yuan, the bank loan is 650,000 yuan. In other words, the remaining 9000 requires buyers to add down payment.
Second, what are the factors that affect the down payment of second-hand housing commercial loans?
The down payment of second-hand housing commercial loans is influenced by two factors: loan amount and evaluation value.
1. Affected by loan amount
The loan amount of the second-hand housing business loan determines the down payment amount, and the loan amount = housing appraisal value × loan ratio.
Note: The appraisal value of the second-hand house is appraised by the appraisal company recognized by the loan bank, which is a price based on the original purchase price, the current situation of the house, surrounding transactions and other factors, generally 80% to 90% of the market price of the house. ?
2. Affected by the transaction price
The transaction price of the second-hand house is the down payment except the loan. The transaction price here refers to the actual transaction price of the house, that is, the final transaction price after successful negotiation between the buyer and the seller.
Third, how to calculate the down payment for second-hand housing business loans?
Based on the above knowledge, let's take an example to see how the down payment of commercial loans for second-hand houses is calculated.
take for example
Xiao Liu is a registered permanent residence in Beijing, and has a suite in Fengtai, Beijing, and is repaying the loan. He wants to buy another second-hand ordinary house in Xicheng, and agreed with the seller that the transaction price is 5 million and the house evaluation value is 4.5 million. So how much is the down payment?
Based on the above knowledge, we can judge that the house we want to buy belongs to two sets, which are ordinary houses.
Therefore, the formula can be applied, down payment = transaction price-house appraisal value ×40%.
First calculate the loan amount = appraised value of the house × 40% = 4.5 million× 40% =1.8 million, then calculate the down payment = transaction price-loan amount = 5 million-1.8 million = 3.2 million. ?
The down payment of second-hand housing commercial loans is affected by the loan amount and transaction price. The difference with new houses is that the loan ratio of new houses is based on the transaction price, while the loan ratio of second-hand houses is based on the evaluation value.
This content only applies to Beijing.
What materials do I need to bring to buy a second-hand house commercial loan?
Buyer carries materials
Proof of the number of sets 1.
Family purchase application form, purchase commitment letter, purchase certificate, etc.
2. Identification
Notarization of the second-generation ID card, household registration book, Hong Kong, Macao and Taiwan resident ID cards, Taiwan Province compatriots' passports to and from the mainland, foreigners' passports and their translated versions.
3. Marriage certificate
Marriage certificate, divorce certificate, divorce agreement.
4. Proof of income
Proof of income (2 times or more of the monthly repayment amount) and bank flow (2 times or more of the monthly repayment amount). If the income is not enough, it can be supplemented by increasing borrowers or issuing certificates of the same industry. Customers who need to issue supplementary income must communicate and negotiate with the bank host bank in advance. If there are other outstanding loans, the income certificate must be more than 2 times of the total monthly repayment of outstanding loans before approval.
5. Qualification certificate
Tax list, social security list, provident fund deposit certificate, credit report.
6. Repayment voucher
Face-to-face signing of bank card.
Extended data:
Matters needing attention in second-hand housing mortgage loan
1. Before you decide to buy a house, you should be familiar with the basic information of the house. In the meantime, you need to communicate more with the owner of the house. In addition to investigating the quality and property rights of houses, information such as property right certificate and owner's ID card is also important to understand.
2. Pay attention to the contents filled in the blank when signing the contract. In addition, you must read the additional terms carefully, and fill in the additional terms of the contract for other agreements between the two parties. The signing of the contract needs repeated consideration, especially caution.
3. During the transaction, ensure that the seller's double certificates are complete, and the sales contract can only take effect if someone personally signs the property certificate, so as to prevent the signing or omission; Choose a person with high reputation or a formal real estate agent as the delivery party of the funds and houses of both parties to the transaction, so as to ensure the smooth transfer after the payment, or pay off the house and money after the transfer.