Taking commercial loans as an example, the loan period of second-hand houses is usually 50 years-the age of the house, 65 years-the age of the lender, whichever is shorter, but it cannot exceed 30 years.
Commercial loan term
/kloc-Second-hand commercial or commercial/residential dual-use houses with property rights of 0/,40 or 50 years.
The longest loan period of this kind of second-hand house is 10 year.
2.70 years old residential property
The term of commercial loan for second-hand housing is influenced by two factors: the age of the house and the age of the lender.
(1) Depending on the age of the house: loan period =50- the age of the house.
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).
Generally, the longest commercial loan term is 30 years, and the shorter one is obtained by the above two algorithms.
In addition, banks also require that the maturity date of loans should not exceed the term of land use rights. The service life of housing land is calculated from the time when the developer takes the land. The normal service life of the land should be 70 years, but the second-hand house will definitely not reach this service life, and the short service life of the land will also affect the service life of the mortgage.
Term of provident fund loan
/kloc-Second-hand commercial or commercial/residential dual-use houses with property rights of 0/,40 or 50 years.
This kind of second-hand house cannot use provident fund loans.
2.70 years old residential property
(1) Calculated by building structure:
Brick-concrete structure: loan period =47- house age;
Steel-concrete structure: loan period =57- house age.
The real estate license of most houses will reflect whether the house is a brick-concrete structure or a steel-concrete structure in the column of housing conditions. The age of the house here is also based on the judgment of the assessment agency recognized by the provident fund center.
(2) According to the different provident fund centers:
State-managed provident fund: loan period =69- lender age;
City provident fund: loan period =70- lender's age.
The longest loan period of the provident fund is also 30 years. The loan term calculated by the age of the house and the age of the lender, whichever is shorter.
Combined loan term
Portfolio loan requires that the term of commercial loan and provident fund loan must be the same. The term of commercial loans and provident fund loans calculated by the above method shall be the shorter of the combined loan term.
Of course, the fixed number of years of portfolio loans should also be evaluated by evaluation agencies. Moreover, it is generally not possible to find an evaluation company by yourself, but to find an evaluation institution recognized by the provident fund center.
Generally speaking, how many years can a second-hand house be loaned can only be calculated according to the age of the house and the age of the lender. How many years can the loan last? It is decided by the evaluation report issued by the evaluation institution or the kilogram center recognized by the bank.
Portfolio loan, buying a second-hand house in Shanghai, 25 years old, how to calculate the loan term? In addition to the down payment and monthly payment, what fees do you need to pay for buying a house?
According to the situation you described: the general commercial loan is (50 years-the age of the house), that is, the commercial loan for the house you want to buy can be borrowed for 25 years; Commercial loans are paid monthly for a period of 25 years. Provident fund loan (35 years-house age) can not exceed 30 years at most, and 15 years can be selected below 15 years; In other words, you can borrow 15 for the provident fund loan of the house you want to buy, and the monthly payment of the provident fund loan is calculated according to 15. The monthly payment of portfolio loans is the monthly payment of commercial loans plus provident fund loans.
Fees to be paid for buying a house: ① Evaluation fee ② Mortgage registration fee ③ Housing insurance fee ④ Liquidated damages for early repayment of loan.
There are too many things to pay attention to when buying a second-hand house. Recommend a platform for buying a house for you. 985home and 985home are different from other real estate agents. They are unilateral services, only for buyers, fully representing the position of buyers, so that every buyer can choose his dream house through neutral and professional purchase services. Buying a house is a big deal, and it's really sloppy. Instead of wandering around like a headless fly, it is better to ask professionals for help, which greatly saves time and cost and can buy your ideal house without wasting extra time. Why not choose?
Can a second-hand house be loaned?
Legal analysis: second-hand houses can apply for loans, but they need to meet certain conditions. 1. Second-hand houses with loans cannot be mortgaged to two banks at the same time; 2. The age of second-hand houses cannot exceed fifteen years, and the sum of service life and loan life cannot exceed thirty years. Mortgage loan requires the borrower to provide a certain amount of collateral as the guarantee of the loan to ensure the repayment of the loan at maturity.
Legal basis: Article 395 of the Civil Law of People's Republic of China (PRC), the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.
How many years can a second-hand house be loaned?
Second-hand housing loans can be loaned for up to 30 years. When applying for a loan, the bank will comprehensively determine the actual loanable period of the second-hand house according to the borrower's economic situation, age and age. Under normal circumstances, the sum of the borrower's age and loan term cannot exceed 65 years, and it can be appropriately extended to 70 years if it is a quality customer.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
The borrower should fill in the Application for Housing Mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
The bank examines the borrower's loan application, purchase contract, agreement and related materials.
The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.
After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. The loan applicant repays the loan on a monthly basis.
There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method.
What is the loan period of Shanghai provident fund? The specific regulations are quite complicated!
In China, housing accumulation fund has become an important tool for many families to buy houses. In the magic capital of Shanghai, many people pay special attention to the loan period of provident fund to plan their own loan plans. Today, I would like to introduce the loan life of Shanghai Provident Fund for your reference.
Judging from the regulations published by Shanghai Provident Fund Management Center, the term of new house loan is relatively fixed, while the term of second-hand house loan is more complicated. Details are as follows:
1. The maximum term of provident fund loan for purchasing new houses shall not exceed 30 years.
2, the purchase of second-hand housing is divided into three situations:
(1) If the age of the second-hand house is less than 5 years, the longest loan period of the provident fund shall not exceed 30 years;
(2) The age of the second-hand house is between 6- 19, and the loan period of the provident fund does not exceed the difference between 35 years and the age of the house;
(3) The age of the second-hand house is equal to or more than 20 years, and the longest provident fund loan shall not exceed 15 years.
In addition, it should be noted that regardless of the purchase of new commercial housing or second-hand housing, the term of provident fund loans cannot exceed 5 years after the borrower's statutory retirement age.
The above is the stipulation of Shanghai Provident Fund Management Center on the loan term. You can simply estimate how many years you can apply for a loan according to your actual situation.
How long is the commercial loan for second-hand houses?
If you need to use a loan to buy a second-hand house, you need to know all the details of the loan to buy a house in advance and submit sufficient materials to ensure that the loan can be done. So how long is the term of the second-hand housing commercial loan, and what are the details of the second-hand housing commercial loan? Do you know that?/You know what? Now let's have a look.
1. How long is the commercial loan for second-hand houses?
The term of commercial loans for second-hand houses generally does not exceed 40 years, and the loan term should be determined according to the following conditions: ① The loan term shall not exceed the term of land use rights; ② The loan term and the age of the lender shall not exceed 65 years old; (3) The lender has sufficient economic strength to repay the required principal and interest every month.
Second, what are the details of the second-hand housing commercial loan?
1. Before buying the selected second-hand house, you need to fully understand the information of the house and find more time to communicate with the seller. At this time, we should not only thoroughly understand the quality and property rights of the house, but also focus on the personal information of the seller to see if it belongs to the owner of the house and ensure the interests of the buyers.
In the process of signing the house purchase contract with the seller, we need to pay attention to the blank places in the contract and see what they fill in. At the same time, we need to write all the concessions given by the seller into the contract. Finally, we need to check all the terms in the contract to ensure that there are no unfavorable terms.
3. When conducting real estate transactions, it is also necessary to ensure that the seller's certificates are complete. If there is a * * * on the real estate license, you need to sign it with everyone. In this process, it is best to choose a large brand intermediary company for custody, and then pay the house price to the seller after the transfer.
How long is the term of second-hand housing commercial loan? What are the details of second-hand housing commercial loan? Let me introduce it here first. You got it? If you buy a second-hand house and use a commercial loan, you need to be careful not to fall into the trap of the seller and take every link into account.
This is the end of the introduction of the loan life of second-hand houses in Shanghai and the calculation of loan life of second-hand houses in Shanghai. I wonder if you found the information you need from it?