How much is the general down payment for buying a house in Wugang

Wugang generally pays a down payment of 20% when buying a house, because Shaoyang is not among the restricted cities, so Wugang is not limited to buying. The down payment of non-restricted cities is generally calculated at 20%, and the down payment is relatively low. Property buyers should meet the basic loan conditions, have the ability to repay the loan, have the ability to pay the down payment, and have good credit information.

Housing loan process

1. Apply for a loan from the bank. Submit the original and photocopy of identity documents (referring to resident identity cards, household registration books and other valid residence certificates). Non-locals also need to provide valid certificates and copies of their spouses. If the borrower and spouse are not in the same household registration book, they must also provide a marriage certificate, 30% of the house price, 40% or more of the self-raised deposits of non-locals and proof of economic income issued by the work unit with repayment ability.

2. Determine the loan amount and term. If you are a resident of this city, the maximum loan amount is 70% of the house price, and the loan period is up to 20 years. For foreigners, the maximum loan amount is 60% of the house price and does not exceed 300,000 yuan, and the longest loan period is 10 year. Of course, this is a local policy. Provident fund loans and commercial loans have different requirements for loan terms.

3, the loan bank review. The loan bank examines the materials and certificates provided by the borrower, mainly examining whether the borrower belongs to the borrower, whether it meets the loan conditions and whether it has enough ability to repay the loan principal and interest, then determining the actual loan amount, and telling the borrower to promise the loan, and then signing the contract.

4. Notarize the house mortgage contract. After the contract is signed, you should go to the local notary office to notarize the mortgage contract, and the notarization fee shall be borne by the loan bank. Then, with the mortgage contract notarized by the notary office, go to the real estate registration department of the district and county where the purchased house is located, go through the insurance formalities of the purchased house and wait for the loan.

It's time to get a loan to buy a house.

1. If you need to apply for a mortgage when buying a new building, and the property has obtained a pre-sale certificate, as long as you apply to the bank, the bank will immediately check your credit history with the People's Bank of China. If there is no problem, we will reply to your personal loan application within 3 days, and ask you to submit relevant copies of licenses, income certificates, down payment documents and other materials as required, and sign relevant bank documents and loan contracts.

2. If you need to apply for a mortgage to buy a second-hand house, there is no problem with personal integrity after applying to the bank. If the bank decides to accept it, it will conduct a comprehensive evaluation of the property through a third-party evaluation agency, and then the bank will verify the loan ratio according to the evaluation value. If the loan amount+down payment is less than the contract amount registered by the housing management trading center, the difference must be paid before the transfer formalities, and the relevant documents should be submitted to the bank for future reference.