Second-hand housing loans take about a month. Buying a second-hand house can apply for a mortgage loan, which should generally meet the following conditions:
1. Having legal identity documents means having legal citizenship.
2. Have good personal credit and the ability to repay the loan principal and interest.
Agree to use the house you bought as collateral of the bank.
4. The property right of the purchased house should be clear and can be circulated in the real estate market.
5. The purchased house is not within the scope of the announcement.
6. You need to open an account in CCB and save enough down payment.
7. There is no bad credit record when applying for a loan; Of course, in addition to the above points, the applicant also needs to meet the requirements of other matters stipulated by the bank, otherwise it may be rejected.
How long does it take for a bank loan to buy a second-hand house for approval?
Under normal circumstances, it takes about 15 working days.
Second-hand mortgage: dealing with house purchase loan is one of the purchase procedures that many buyers need to face. Most property buyers know little about loans, so they waste their time in handling loans.
The first step: buy a house with clear property rights and choose a real estate transaction agency that can handle mortgage loan business to handle agency matters.
Step 2: The buyer and the seller must provide relevant information. Among them, the materials that the buyer (lender) must provide include: household registration book, ID card, education certificate, proof of marital status, house purchase agreement signed by the buyer and the seller, income certificate of husband and wife (unit income certificate), other property certificates including deposit certificate and securities, and two recent photos of husband and wife; The information provided by the seller includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, proof of property right of the house sold, and proof of approval for listing.
Step 3: Go to the law firm designated by the bank and fill in the application form for second-hand housing mortgage. The lawyer will submit all the supporting materials to the bank for loan approval and pay 4% of the value of the house purchased. Attorney's fee.
Step 4: The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend.
Step 5: The buyer and the seller go to the real estate transaction management department of the real estate bureau where the house is located to handle the transfer procedures of the ownership of the house.
Step 6: After receiving the sales contract, send it to the bank, and the bank will transfer the money.
Step 7: Go to the Real Estate Bureau for mortgage registration, and the borrower will repay the interest on a monthly basis.
Housing loan:
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
Mortgage Baidu encyclopedia
How long does the second-hand housing loan take?
Second-hand housing bank loans need about a month.
loan
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans.
It can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income from it and increase their own accumulation.
Interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. Although the central bank has released the benchmark interest rate, the interest rates of all banks will rise above the benchmark interest rate.
202 1 how long can the second-hand housing loan be released?
202 1 how long can the second-hand housing loan be released?
Under normal circumstances, the second-hand housing loan cycle is about 3 months. However, since the centralized management system of real estate loans was introduced in 20021,banks explicitly requested to control the ratio of real estate loans to personal housing mortgage loans. In the case of tight loan amount, for cost reasons, banks will give priority to ensuring new houses, while the loan cycle of second-hand houses will be lengthened, which will take at least 4 to 5 months.
It is understood that if the second-hand housing loan is approved in July, it will not be released until early next year at the latest. The specific loan time depends on the lender's credit status. For example, the customer's flow is high, the payment limit of five insurances and one gold is high, and the loan bank has deposits. Or if the customer is able to accept the interest rate increase, it will be easier to get a loan.
202 1 why stop the second-hand housing loan?
First of all, the management of housing loan concentration is the most important factor. Centralized management of housing loans requires banks to have a certain proportion of loans for real estate loans. For example, the monthly loan amount of a bank is 1 100 million yuan. In the past, housing loans were managed centrally, and real estate loans could be given to 1 100 million. Now it can only be given to 40 million, and the quota will not be enough.
Second, the previous real estate transaction volume was too large, and the one-month loan amount was used up in one month. Now we can only get some quotas by increasing deposits or prepayment of other mortgages.
Third, in the case of limited real estate loans, banks are more inclined to lend to new houses, so the amount of second-hand houses will be squeezed out by the amount of new house loans.
Fourth, when asked to reduce the proportion of mortgage loans, banks will control the loan amount, so that the proportion of individual housing loans in bank loans will decline.
How to handle second-hand housing loans
First of all, you want the nature of the second-hand housing loan: the second-hand housing mortgage loan refers to a loan that an individual pays a certain proportion of the down payment when buying a house with a house title certificate and can be traded in the market, and the rest is applied to a bank and other financial institutions with the purchased property as collateral.
On the premise that you can confirm whether you can get the loan, go to the People's Bank to make a credit inquiry, check your credit, see if there are any overdue bad records and the debt ratio. PS: Excessive debt ratio directly affects the loan amount.
There is no problem with credit reporting, and the remaining condition is the second-hand house you bought. Because the second-hand housing loan is a commercial loan, the bank will ask the evaluation agency to evaluate your house. After the assessment is completed, the assessment agency will issue an assessment report to the bank, and the bank will submit the corresponding personal data documents according to your comprehensive qualifications and assessment report, and the bank will enter the review process.
Generally, the loan amount of second-hand housing loans can reach 70% of the appraised price at most, and some can reach 80%, which varies from place to place. There are also three loan methods: 1. Bank commercial loans. Provident fund loans 3. Portfolio loans (commercial loans and provident fund loans). Choose according to your actual situation.
Generally speaking, the second-hand housing loan process in each city is similar. It is suggested that those who have not been in contact with it can directly consult the bank or real estate agent.
How long can the second-hand housing mortgage be released?
The time is as follows:
Second-hand housing loans, the process generally takes about 30 to 50 days.
The second-hand housing loan process is as follows: the buyer and the seller bring all relevant materials to the bank; At the appointed time, the real estate appraisal agency went to the housing management office for evaluation; Banks examine the qualifications of loan applicants; The buyer pays the down payment to the seller; After the buyer receives the real estate license, he goes through the mortgage registration and insurance, and then goes through the loan issuance procedures, and the bank deposits the house money into the seller's account.
Introduction:
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
How long can the second-hand housing loan be approved?
Under normal circumstances, the second-hand housing loan will be approved in about 0/0 days.
1. Submit the materials and apply on 1 day. The buyer and the seller bring all relevant materials to the bank, collect and fill in the application form for personal loan of second-hand house, and then submit the materials to the staff for review.
Second, 2-7 days of evaluation. According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank, which can be completed within 3-5 working days.
Three. Bank approval on day 8- 10. Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days.
4. Pay the down payment and handle the transfer on 1 1-33. After approval, the buyer pays the down payment to the seller, and then handles the property right transfer with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials, and then waits for about 20 working days to get the real estate license.
Five, 34-35 days for real estate mortgage registration, insurance procedures, bank loans. After the property buyers receive the real estate license, they will go through the mortgage registration and insurance, and then go through the loan issuance procedures. The bank will deposit the house payment into the seller's account, and the buyer will start to repay the current period on schedule as agreed in the contract.
legal ground
Article 38 of the Interim Measures for Personal Loans: If the borrower fails to provide true and complete information as promised in the contract and fails to use and pay the loan as agreed in the contract, the lender shall investigate its liability for breach of contract according to the provisions of laws and regulations and the loan contract.
This is the end of the appropriate introduction on the cycle of buying second-hand houses with loans and the loan life of second-hand houses. I wonder if you have found the information you need?