Can I apply for a housing loan by myself? Still looking for a loan from a real estate company? How to do it specifically?
If you can borrow by yourself, you can generally apply for a housing mortgage loan. Buyers need to pay 30% of the house price as a down payment before they can apply for a mortgage (some houses only need to pay 20%, depending on the house). Housing mortgage loans can be loaned without providing collateral.
Workflow of applying for personal housing loan from the bank;
(1) The buyer shall sign a commodity house pre-sale contract with the developer.
(2) Pay more than 30% of the house price.
(three) to the housing management department for pre-sale registration.
(4) After completing the pre-sale registration, the buyer holds the original contract and fills in the loan application and loan contract.
The interest of these two repayment methods is very different.
The average homebuyer only knows that the loan must be repaid with interest, but the interest of different repayment methods varies greatly. If the loan amount is about 400,000 yuan and the term is 30 years, the interest difference can reach 65,438+10,000 yuan! Many people are still in the dark about this-there is a big difference in interest between the two repayment methods. Here is an excerpt for your reference.
Mr. Liu, a citizen, just bought a new house last month, completed the formalities of housing loan, and repaid nearly 2000 yuan every month. Who knows that just after the first loan repayment this month, Mr. Liu learned something that surprised him greatly-one of his relatives had almost the same loan amount and the same life span, but the overall interest on loan repayment was nearly 25,000 yuan less! The reason is that they have adopted different repayment methods. Previously, Mr. Liu said that he knew nothing about another way of repaying loans.
"When signing the contract, the bank staff just brought a lot of loan contracts, many of them, and then helped you turn around for a while, pointing to some blank places, asking you to sign, fill in the ID number and press your fingerprints. There is no mention of another repayment method. "
After signing the loan contract, Mr. Liu calculated by himself that the total interest was as high as176,000 yuan. If it weren't for the reminder of relatives, Mr. Liu thought that the loan was done like this. Angry and distressed, Mr. Liu couldn't help but take out his loan contract and read it carefully several times. He found that there are indeed two loan methods for him to choose from in the contract, but the blank space has been filled in by the bank in advance with the equal principal and interest repayment method, so there is no room for his own consideration. He asked a friend to calculate that if another repayment method is adopted, the total interest of his 300,000 yuan and 20-year commercial housing loan will be less than 6.5438+0.52 million yuan, which is 24,900 yuan less than now.
Banks generally recommend the "matching method"
In order to find out, in the past few days, reporters have also made unannounced visits to many banks in Nanjing as buyers.
In the consumer credit supermarket of Xinjiekou Sub-branch of Agricultural Bank of China, the reporter said that he was going to buy a commercial house with a total price of 800,000 yuan, with a down payment of 30%, a provident fund loan of 1.2 million, and the remaining 440,000 yuan was going to apply for a commercial loan, which would be paid off in 30 years. A staff member warmly received the reporter. She first introduced the principal and interest repayment method (matching method) to the reporter. Through calculation, the item "monthly repayment amount" shows 2372.78 yuan;
The reporter then asked if there were other repayment methods, and the staff member said that there was also a "principal repayment method" (diminishing method). The monthly repayment amount is different, from about 3,000 yuan to more than 1000 yuan.
Which method should we choose? The following is the dialogue between the reporter and the staff member:
"Which of the two repayment methods is more cost-effective?"
"Generally speaking, the second diminishing method pays less money, but most people will not wait until 30 years to pay it off. If the loan was repaid in advance, there would not be such a big gap. What's more, although the diminishing method is still used less, the pressure is too great at first. "
"Which is more convenient?"
"Of course, the first matching method is more convenient, and you only need to pay the same amount of money to the bank every month. The second decreasing method has a different amount of money every month and is very troublesome to calculate, so we generally recommend customers to choose the equal method. "
Subsequently, the reporter continued to consult commercial banks, China Merchants Bank, Industrial and Commercial Bank of China, China Construction Bank and other banks as buyers. Most of them mainly introduce the "principal and interest repayment method", that is, the equal principal and interest method, and some even don't mention the diminishing repayment method at all. Although some bank staff finally admitted that they should choose the repayment method according to their personal circumstances, they can clearly hear the tendency of equal payment method from their words.
Banks tend to lie in spreads.
What is the reason for this tendency of banks? A person who has been engaged in the financial industry for many years bluntly said: "The key lies in the interest margin."
"The interest gap between the two methods is very large!" The person made some calculations with the example of an unannounced visit by a reporter, and the results were shocking-the same commercial loan of 440,000 yuan and 30 years, the total interest of the matching method was 410.4 million yuan, while the decreasing method was about 297,000 yuan. The interest difference between the two different repayment methods is as much as 1 1 ten thousand yuan!
The source said that the same loan business, for banks that "eat interest meals", of course, I hope that all property buyers will choose the repayment method with high interest. Just like the sale of ordinary goods, ordinary merchants will recommend customers to buy goods with high prices and high profits. How can they recommend goods with low prices and low profits?
As for the bank's explanation that "matching method is more convenient than decreasing method", the reporter found that using decreasing method is actually not as troublesome as expected. Although the monthly repayment amount is different, the specific amount does not need to be calculated manually. The bank's computer system can easily print out the monthly repayment amount data table for 30 years, and the purchaser only needs to pay the money accordingly.
As for another explanation, the reporter found through the calculation of the insiders that although the repayment amount at the beginning of the diminishing method was really high, about 3,000 yuan, it was about 2,372 yuan higher than that of 620 yuan, and the duration was only one year and two months. Most of the time, the repayment amount is concentrated between 2000 yuan and 1000 yuan. I believe that the price difference of more than 600 yuan can be borne by most buyers. Moreover, the interest thus "saved" is as high as 1. 1 10,000 yuan, which is worthy of reconsideration by most property buyers.
The bank said it didn't take advantage.
Yesterday, CCB, BOC, ABC, Minsheng and other banks said in an interview that the total interest of the two repayment methods is quite different on the surface, but in fact the calculation principles of the two methods are the same.
"No bank takes advantage. First of all, the two repayment methods are not formulated by any commercial bank, but stipulated by the central bank. " Cong Huachang, director of the real estate credit department of Jiangsu Branch of China Construction Bank, said that1May 1998, the central bank promulgated the Measures for the Administration of Individual Housing Loans, which stipulated that there are two repayment methods for housing loans: equal principal and interest and average capital. No matter which repayment method, it is in line with the regulations. And in fact, the calculation principle of the two repayment methods is the same.
"Simply put, the interest difference between the two is certain, but for banks, there is no way to overcharge customers' interest, because these two repayment methods are calculated according to the time value of customers' occupation of bank funds. "
According to Director Cong's explanation, the fundamental reason for the difference in total interest between the two repayment methods is that the customer's occupation of bank funds has changed. Decreasing repayment method, because the customer pays more principal at the beginning, the less the bank principal later, the less interest will be generated. However, the principle of equal principal and interest repayment is different. The loan principal paid at the beginning is less, and the bank funds occupied are relatively more, so the interest will increase accordingly.
In view of the fact that ordinary people are not familiar with the two repayment methods, some banks said yesterday that they will strengthen their obligation to inform before handling loans in the future.
"Maybe some of our counter staff will think that it is customary to choose the repayment method of equal principal and interest, and the people are used to this repayment method, so there is no explanation and publicity for the diminishing method. When the customer comes, just do it the old way. "
Some banks said that in the future, before handling housing loans, "we should put words first" and let customers choose independently.
The consumer association says buyers have the right to know.
Sun Jianhe, secretary-general of Nanjing Consumers Association, said in analyzing the above phenomenon that buying a house by loan is also a kind of consumption behavior, and consumers enjoy the right to know and choose given by the Consumer Law. As an operator providing services to consumers, banks are obliged to publicize two different service contents, namely two different repayment methods, in a prominent position in the service place. In addition, we should objectively and clearly introduce the differences between the two repayment methods and their respective advantages and disadvantages, otherwise it will infringe on the rights given to consumers by the Consumer Law.
Articles 8 and 9 of China's Consumer Law stipulate that "consumers have the right to know the true situation of the goods they buy or use or the services they receive"; "Consumers have the right to choose their own goods or services, and decide whether to buy or not to buy any kind of goods or accept or not to accept any kind of services"; "Consumers have the right to compare, identify and choose their own goods or services."
Sun Jianhe believes that if banks choose one repayment method for consumers without clearly telling them the advantages and disadvantages of the two repayment methods, it will violate the above provisions of the Consumer Law and infringe on consumers' right to know and choose.
The reason lies in the information asymmetry between the two sides.
Loan buyers can enjoy two different repayment methods, which is expressly stipulated by the People's Bank of China. However, why in practice, one way is favored, while the other way is obviously "cold"? What is the root cause of the principal repayment method "the bank doesn't recommend it and the consumer doesn't know"?
Many interviewed experts and insiders unanimously pointed out that the serious information asymmetry between buyers and banks is the primary reason. Under the condition of market economy, the limitation of this information asymmetry will inevitably create favorable conditions for banks to conceal information intentionally or unintentionally and obtain more interest income; Because of the lack of information, buyers are inevitably in a weak position.
Lawyer Qian said that consumers are not bankers after all, and the regulations of the People's Bank of China are only aimed at banks, and ordinary people have no way of knowing. Therefore, when choosing a housing loan, it is often the bank that has the final say and has a certain degree of blind obedience.
Lawyer Chen Guanghua also believes that in the process of buying a house with loans, banks and property buyers are in an obvious unequal position. Banks have a lot of information that consumers don't have, and they have sufficient reasons and conditions to guide consumers to buy houses subjectively.
Comparison of two repayment methods
1, the calculation method is different.
Equal principal and interest repayment method. That is, the borrower repays the loan principal and interest in equal amount every month.
Average capital repayment method. That is, the borrower repays the principal in equal amount every month, and the loan interest decreases month by month with the principal.
2. The total amount of interest paid by the two methods is different. Under the same loan amount, interest rate and loan life, the total interest of the principal repayment method is less than that of the principal repayment method;
3. The ratio of interest to principal is different in the first few years of repayment. Interest accounts for a large proportion of the total repayment in previous years (sometimes as high as 90%), while the principal of the principal repayment method is shared equally every time, and the interest is calculated on a daily basis, so the ratio of the two is about 50% at the highest.
4. The pressure before and after repayment is different. Because the monthly repayment amount of the principal and interest repayment method is the same, the repayment pressure is the same every time when the income and expenditure and prices are basically unchanged; The principal repayment method pays the same principal every time, but the interest decreases from more to less. Under the same circumstances, the stress in the later period is much lighter than that in the earlier period.
Can I apply for a housing loan by myself? Still looking for a loan from a real estate company? How to operate specifically?
Housing loans can be handled by themselves, and individuals can apply at local banks.
The process of individual applying for housing loan
1. Apply for individual housing loan.
2, the borrower to the loan bank to fill out the "personal housing loan application form".
3. Submit the following materials: the identity certificate and account information of the borrower.
4. Fill in the intention purchase contract or other supporting documents.
Classification of individual housing loans
I. Personal housing provident fund loans
Second, personal housing commercial loans.
1, personal housing loan
2. Personal second-hand housing loans
3, personal housing renovation loans
4. Personal housing consumption loans
5. Personal commercial housing loans
6. Individual housing portfolio loans
Why should real estate companies designate banks to handle personal housing loans?
Both the construction department and the banking supervision department said that which financial institution to borrow is the freedom of buyers. Property buyers can choose qualified financial institutions for mortgage at will, and neither developers nor financial institutions should restrict the banks that lend. 、
1. The developer's move is first suspected of violating the principles of voluntariness and fairness in the contract law.
2. Article 9 of China's Consumer Protection Law stipulates that consumers have the right to choose their own goods or services. In other words, consumers have the right to choose their own operators to provide goods or services, choose their own varieties of goods or services, and decide whether to buy or not to buy any kind of goods or accept or not to accept any kind of services.
3. As consumers, buyers have the right to choose their own loan banks, while banks designated by developers are compulsory consumption, which infringes on consumers' right to choose.
In this case, citizens can report to the industry and commerce department or solve it through legal channels.
Can I go to the bank to apply for a housing loan at the weekend?
If it is a loan from China Merchants Bank, the personal loan department will not go to work on weekends, please handle it on working days.
What are the steps to buy a house with a housing loan in Lianshui and apply for a real estate license yourself? What are the procedures?
First, the real estate license is generally handled by the developer. You can go to the developer to do it for you, because some materials need to be provided by the developer, such as surveying and mapping drawings, ownership certificates, transaction supervision certificates, transaction supervision certificates list, and a copy of the developer's company business license.
Two, usually need to fill in and submit the following information (that is, the process):
1, application form (fill in the application form for housing ownership registration, the real estate bureau has a blank application form, and the developer needs to stamp it)
2 ID card (one original and one copy of the ID card of the head of household)
3. Obtain surveying and mapping drawings (the developer obtains them from the Surveying and Mapping Office of the local real estate bureau).
4. Incremental property right certificate (the real estate bureau has a blank application form, which needs the developer's seal)
5. Certificate of transaction supervision (the real estate bureau has a blank application form, which needs the seal of the developer)
6. List of transaction supervision certificates (2 copies of the list of real estate transaction supervision certificates are stamped with the official seal of the real estate company)
7. Purchase contract
8. Purchase invoice and deed tax invoice (affixed with white paper)
9, tax payment certificate (white paper framed)
10, proof of marital status (marriage certificate or single certificate)
1 1, certificate of marriage and childbearing of floating population with registered permanent residence (registered permanent residence in urban area).
After 7 working days of submitting the above information, the householder can obtain the real estate license from the local developer or real estate bureau with his ID card. I hope it helps you! (Real Estate Network)
Can I still apply for a housing loan if my mortgage is not paid off?
You can make a loan, but you have to restore the loan after the loan is approved. In addition, it is not enough to buy a house now, and we have to find other uses.
If the following conditions are met, the house with outstanding loan can also be refinanced.
1. The borrower can produce the real estate license;
2. This property has room for rent. If the mortgage loan amount is 60% of the total value of the house, it is generally difficult to obtain the loan amount. And if the mortgage of real estate currently accounts for only about 20% of the total value of the house, it is easier to apply for a loan;
3. The borrower has full capacity for civil conduct, stable repayment ability and good credit.
Can I only apply for a housing loan on my own page of the household registration book?
Only the hukou can't handle housing loans;
Housing mortgage application conditions:
1, nature of the house; Houses, office buildings, villas, commercial houses, houses and affordable housing (strict requirements for affordable housing) have clear property rights within 20 years.
2. The mortgagor (normal age 18-65 years old) is in good health.
3. The Mortgagor has not participated in the credit investigation in recent 24 months.
4. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). )
5, the actual use of funds is clear.
Prepare information:
1, original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required).
2. Proof and copy of the borrower's marital status
3. Proof and photocopy of family property and car ownership, and other assets proof materials (original and photocopy of house ownership certificate, land use certificate and deed certificate).
4. Statement of personal main bank account from June to1February (with official bank seal)
5, work unit income certificate
6. Proof materials such as family private lending articles.
7. Evaluation report
Process: submit materials → sign bank documents → house evaluation → bank approval → bank loan → mortgage registration → monthly repayment.
Can the guarantor of the housing loan still borrow by himself?
Guarantor of housing loan?
Commercial housing is guaranteed by the developer before the house comes down. The house was originally a mortgage loan. Is there a guarantor?
If there is, it is the second suite. There are differences in the calculation of second-home interest rates in different periods, regions and banks. For specific questions, it is suggested that the landlord consult relevant business personnel.
Can I choose my own bank for housing loan?
The first-hand property is designated by the developer, because they have mortgaged the big property right (that is, the collective property right of the community) to the bank when developing, so the owner can only apply for a loan at the bank mortgaged by the developer.
Can I get a decoration loan if the housing loan is not paid off?
Conditions for applying for loan business:
Natural persons aged between 18 and 65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information, no bad records, and legal use of the loan;
Other conditions stipulated by the bank.
How to borrow a house mortgage loan?
1, go directly to the bank. Meet the following conditions:
A. The house needs to meet the requirements of the bank: under normal circumstances, the bank accepts the real estate with clear property rights within 20 years and can be listed and traded.
B. Credit compliance: The account manager of this bank will help you check your credit status. If the credit is too bad, the bank will not accept it.
C. the repayment ability of the homeowner: you have collateral, but you also have the repayment ability. That is, to have a stable income. For example, if you make a loan with a term of 10 years, the monthly repayment is about 12000. You should have enough ability to repay the monthly payment and ensure your own life.
2. Entrust the guarantee company to handle it. The process and conditions are basically the same as those of banks, except that the procedures are run by guarantee companies. Guarantee companies have long-term cooperation with banks, so they have more advantages than individuals in terms of interest rates, processing speed and lending. Of course, customers have to bear a certain service fee.
The basic process is as follows: signing a loan contract-housing evaluation-loan approval-mortgage registration of the Construction Committee-lending.
Time: generally, it takes about 1 month.
Conditions for applying for real estate mortgage loan:
1. The applicant is over 18 years old.
2. Have a stable job and income and good personal credit;
3. Other conditions stipulated by the applicant bank.
4. Generally speaking, the age of the house should not be too high (few banks generally accept it for more than 20 years).
5. It is generally required that there can be no mortgage on the property (or even if the mortgage loan has not been repaid), and the loan can not be released until the last loan can be repaid.
Extended data:
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts. This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.
This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans. The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds. Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk. Therefore, most banks use mortgage loans in housing loans issued to individual residents.