What Zhengzhou can do is that the procedures are more complicated. That's how my cousin brought money to do business at that time.
Second, how to apply for housing mortgage loan in Zhengzhou?
What Zhengzhou can do is that the procedures are more complicated. My cousin was doing business here at that time.
What are the procedures and how to handle Zhengzhou mortgage loan?
First, buy a first-hand house with a loan
1. Pay attention to the type of mortgaged property; The first premise of mortgage is to mortgage with real estate, so the type of mortgaged real estate also determines whether you can apply for a loan. When buying commercial housing or affordable housing, it is necessary to know whether the developer has handled the "Pre-sale Permit"; Whether a contract has been signed with a fund management center or a commercial bank; These are the prerequisites for whether you can apply for a loan. If the developer has not signed a contract with a financial institution, and you still want to apply for a loan, you can bring relevant information to the municipal house purchase guarantee company to apply for loan guarantee business for mortgage of old houses and purchase of new houses. Pay attention to the purchase of affordable housing loans, foreigners can not buy affordable housing, nor can they apply for loans; Pay attention to the proportion of personal property rights when purchasing fund-raising houses, and finally apply for the house ownership certificate. The area at the time of mortgage is also part of personal property rights; Before buying an auction house loan, you should know whether the house can be invoiced, whether the house can handle the house ownership certificate and whether the house can be mortgaged before you can participate in the auction (this kind of auction house loan can be handled in the house purchase guarantee company); If the relocated households ask for a loan after receiving monetary compensation from the owners, they should know in advance whether the developer has signed a cooperation agreement with the house purchase guarantee company. Because under normal circumstances, when the relocated households pay the difference in housing loans, the developer's "Pre-sale Permit" has not yet been completed. In this case, the loan can only be handled in the house purchase guarantee company.
2. Choice of interest rate: provident fund loans are the first choice for commercial housing or affordable housing loans, and the loan interest rate is the lowest. But when buying a house, you should ask whether the developer has signed a contract with the fund management center, otherwise you can only apply for a commercial loan.
3. Sign a house purchase contract; When signing a commercial house, it depends on whether the contract signed is a commercial house sales contract or an affordable housing contract jointly supervised by the Real Estate and Housing Bureau and the Industrial and Commercial Bureau, otherwise, you cannot apply for a house ownership certificate or apply for a loan;
Second, buy second-hand housing loans.
1, pay attention to the construction period of the house when buying a house; Generally, only private properties built in 15 can apply for loans;
2. Pay attention to whether the housing structure has changed and whether the use of the housing ownership certificate is consistent, otherwise the loan cannot be processed; There is also whether the address on the house ownership certificate is consistent with the actual address. If it is inconsistent, you need to issue a certificate of address change to the neighborhood Committee where the house is located before you can apply for a house loan;
3. If the purchased property is a single-storey commercial house or a large commercial house, you need to check whether there is a land certificate before buying, otherwise you can't apply for a housing loan;
Third, mortgage loan.
1, select the interest rate; There are many ways to handle mortgage loans, and the interest rates in different ways are not the same. For example, buying a house has a mortgage loan; There are consumer loans; There are renovation loans; There are commercial loans; There are also loans for employment; Although these loans are in different forms, their uses are similar. Among them, the mortgage interest rates of the house purchase guarantee company is relatively low, and the loan amount and term are relatively loose. ;
2. Select the construction completion period; Houses built in general 10 years can apply for mortgage loans;
Four. income statement
Provident fund loans generally require 40% of wage income to repay loans; Commercial loans of housing and home purchase guarantee companies generally require 50% of wage income to repay loans. So before buying a house, you should know how much you can borrow according to your salary and decide what price to buy a house.
Verb (abbreviation of verb) housing loan with unstable income
If your income is unstable or it is difficult for the loan officer to verify your income, when the commercial bank can't get the loan, go to the house purchase guarantee company. For example, the income of taxi drivers is relatively unstable and professional, so it is easier to apply for housing loans in housing guarantee companies, and the policies here are relatively loose.
Vi. Matters needing attention for foreigners to handle commercial loans
When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also to open a household registration certificate at the place where the account is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income. These are some experiences that I have summed up in my practical work. When you need to apply for a loan, you should know more and inquire more according to your own specific situation. I believe you will successfully complete the housing loan.
4. Zhengzhou mortgage transfer transaction process?
In the first step, the bank lends money to the buyer first, and the money is saved by the notary office. The guarantee company issues a letter of guarantee to the bank for the buyer, and the loan bank issues a mortgage loan to the buyer after receiving the letter of guarantee.
Step/Mode 2
Step two, the buyer and the seller handle the property transfer registration, and the lender handles the mortgage for the buyer.
Step/Mode 3
Step 3, the notary office will return the loan to the seller and cancel the mortgage.