The longest can be 30 years, and the sum of the borrower's age is not more than 65 years old.
Applicant:
1, 18-60 years old, a natural person with full capacity for civil conduct;
2. Have a stable occupation and income, have repayment ability, and have a good credit record;
3. The self-raised house payment (down payment) shall not be less than 20% of the purchase price;
Application amount:
The loan amount shall not be higher than a certain proportion of the lower of the real estate transaction price and the bank's approved evaluation price, and the specific proportion shall be comprehensively determined by the local bank branches according to the national housing credit policy and the credit status of the loan applicant.
Application period:
The loan term shall not exceed 30 years, and the sum of the loan term and the borrower's age shall not exceed 65 years.
Information required for loan:
buyer
1, ID card (husband and wife), temporary residence permit (migrant population);
2. Household registration book (both husband and wife);
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate);
4 proof of income or solvency (issued by the unit);
5. A copy of the business license stamped with the official seal of the employer (presented by the employer);
6. Certificate of academic qualifications (provided by junior college or above);
7. Current passbook of the applicant's loan bank;
8. Other materials required by the bank.
seller
1, ID card (husband and wife), temporary residence permit (migrant population);
2. Household registration book (both husband and wife);
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate);
4. Proof that the spouse and * * * agree to sell (fixed format);
5. Real estate license;
6. For the sale of purchased public houses, delivered houses in the center, affordable houses and relocated houses, the original purchase contract, agreement and relevant approval documents shall be provided;
7. Other materials required by the bank.
Second-hand housing loan processing flow:
1, which is the second-hand housing transaction fund custody agreement signed by the buyer and the seller;
2. Issue a letter of guarantee to issue loans;
3. Pay taxes and fees related to the transaction;
4. handle the transfer of property rights;
5. Pay the house price to the seller. After the transfer of property rights, if the seller is out of town or busy at work, he can directly transfer the house payment to the designated account, which is safe and saves time.
2. Is Daqing Road in Tangshan the North Ring Road? Can you tell me something about Daqing Road?
Daqing Road starts from Yinhe Road in the east and ends at Jianshe Road in the west. Probably the width, I don't know. Starting from the west, the more important buildings, development zones, anniversary 10, Li Jiqing (No.8 residential area), Ligezhuang, Shuiji, Hebei 1 residential area. This is the general situation.
How many years is the second-hand housing loan in Tangshan Li Jiqing at most?
The longest can be 30 years, and the sum of the borrower's age is not more than 65 years old.
Applicant:
1, 18-60 years old, a natural person with full capacity for civil conduct;
2. Have a stable occupation and income, have repayment ability, and have a good credit record;
3. The self-raised house payment (down payment) shall not be less than 20% of the purchase price;
Application amount:
The loan amount shall not be higher than a certain proportion of the lower of the real estate transaction price and the bank's approved evaluation price, and the specific proportion shall be determined by the local bank branch according to the national housing credit policy.
Application period:
The sum of the ages of the borrower and the lender shall not exceed 65.
Information required for loan:
buyer
1 (migrant population);
2. Household registration book (
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate);
4, income or solvency certificate (unit to produce
5. A copy of the business license stamped with the official seal of the employer (presented by the employer);
6. education;
7. Current passbook of the applicant's loan bank;
8. Other materials required by the bank.
seller
1, ID card (husband and wife), temporary residence permit (migrant population);
2, hukou book (husband and wife
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate);
4, spouse, * * * someone of the same type);
5. Real estate license;
6. For the sale of purchased public houses, delivered houses in the center, affordable houses and relocated houses, the original purchase contract, agreement and relevant approval documents shall be provided;
7. Other materials required by the bank.
Second-hand housing loan processing flow:
1. Second-hand housing transactions are signed by buyers and sellers.
2. Issue a letter of guarantee.
3. Pay taxes and fees related to the transaction;
4. handle the transfer of property rights;
5. Pay the house price to the seller. After the transfer of property rights, the seller can't directly transfer the house payment to the designated account when he is in the field or busy at work, which is safe and saves time.
How many years can I borrow a second-hand house loan?
The longest mortgage is 30 years. If the house is 25 years old, it can only be loaned for 5 years. If it exceeds 30 years, you can't get a loan.
As long as 70% of the value of the house exceeds 30 thousand yuan, the house can be loaned if it has this value.