Second-hand housing mortgage loan process:
1. The buyer and the seller bring all relevant materials, then apply for a loan at the bank and fill out the application form.
2. The real estate appraisal agency evaluates the houses traded.
3, the bank for loan approval, according to the housing evaluation results and other information on the loan amount, duration and other aspects of approval.
4. After approval, the buyer pays the down payment, goes through the transfer formalities and signs the loan contract.
5, mortgage registration, insurance and other procedures, bank lending.
Second-hand housing mortgage loans generally take 25 to 30 working days to complete.
Second-hand housing mortgage loans should pay attention to:
1. Pay attention to whether there is a property right certificate when buying a second-hand house. If you don't do this, you can't get a loan.
For people with high income, you can choose fixed interest, because you can't accept the impact of future interest rate hikes. However, if the job is stable and the income is not high, it is recommended to choose floating interest rate.
3. When making a loan, the bank will ask the borrower to show proof of income, and if it meets the requirements, the bank will give approval.
Legal basis:
People's Republic of China (PRC) Commercial Bank Law
Article 34 Commercial banks should conduct loan business according to the needs of national economic and social development and under the guidance of national industrial policies.
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 37 A commercial bank shall sign a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
1992 I want to buy a second-hand house. How many years can I keep it?
Hello, second-hand house in 1992, 26 years.
According to the regulations of Guangzhou Housing Provident Fund Management Center, the term of second-hand housing loan shall not exceed 20 years, and the sum of loan term and building age shall not exceed 40 years. The sum of the borrower's age and the loan term shall not exceed 5 years after the retirement age, and the retirement age is generally calculated according to the age of 60 for men and 55 for women. If two or more people purchase the same set of housing and apply for housing provident fund loans, the longest loan period shall be calculated. In other words, if the second-hand house is more than 20 years old, the loan period will be lower, and if the building is more than 40 years old, the loan will not be available. According to your situation, the longest provident fund loan can be 14 years.
The term of commercial loan for second-hand housing is influenced by the age of the house and the age of the lender, and the longest term is no more than 30 years.
1. Look at the age of the house: loan period =50- the age of the house (different banks).
Old second-hand houses are relatively old and the loan period is limited; If the house is more than 20 years old, it is very likely that the bank will refuse the loan. It should be noted that the age of second-hand houses is subject to the assessment report of the assessment agency recognized by the bank.
2. Look at the lender's age: loan period =65- lender's age (some banks are 70- lender's age).
Therefore, whether you can get a commercial loan, I suggest you consult a commercial bank.
How many years is the loan period and age of the second-hand house?
Now the house price is already very high, and the house price in some first-tier cities is far behind. Many people have been struggling to afford a house all their lives. The price of second-hand houses is more favorable, and they are all existing houses, so many people like to buy second-hand houses when buying a house. So how many years are the loan period and the age of the second-hand house? What problems should I pay attention to when buying a second-hand house? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.
How many years is the loan period and age of the second-hand house?
Usually, the loan period and used time of second-hand houses cannot exceed 30 years, the age of houses cannot exceed 15 years, and the loan period cannot exceed the land use period. There are many restrictions on second-hand housing loans. The sum of the loan period and the borrower's age cannot exceed 60 years old.
What problems should I pay attention to when buying a second-hand house?
1. Disposal of second-hand house furniture
Basically, second-hand houses will have furniture and home appliances. Some property buyers saw that the furniture and home appliances were relatively complete and new when they looked at the house. They signed the contract without serious consideration, and found that the furniture and home appliances were removed when they checked in. Before signing the contract, the two sides should negotiate how to deal with the furniture and household appliances in the house and record them in the contract, so it is not easy to happen.
2. Low-priced houses may buy houses with quality problems.
Some second-hand houses are very affordable, even much lower than those in the same lot. You need to be careful in this case. As the saying goes, cheap goods are not good. It is necessary to verify whether there are major quality problems or unclear property rights in the house, or whether there have been murders in the house.
The landlord didn't mention the owner of * * *.
When buying a second-hand house, you need to know whether the house has an owner. If the landlord intentionally conceals the owner, the signed contract is invalid. In addition, it is also necessary to ask about the household registration of the house, whether the seller's household registration can be moved out, and whether it can solve the problem of children going to school.
Summary of the article: The above is the related content of the loan period and the age of the second-hand house introduced by Bian Xiao, and what problems should be paid attention to when buying the second-hand house, hoping to help some friends in need.
How to calculate the housing loan period?
Commercial loans and provident fund loans require the following loan life:
Commercial loan: The regulations of each bank are different. The most relaxed is that the borrower's age and loan life do not exceed 70 years, and the loan life does not exceed 50 years. Men are under 65 years old and women are under 60 years old. The longest loan period is 30 years. For the details of the loan term, you are advised to consult the bank loan business department.
Personal housing commercial loan purchase:
The above two loan methods are limited to employees who pay housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.
As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan to buy a house.
Refer to the above content: Baidu Encyclopedia-Housing Loan
The introduction of the second-hand housing loan period in Guangzhou ends here.