The process of buying a house by loan mainly includes:
1. Loan application: After confirming that the property selected by the buyer has bank mortgage support, the buyer should prepare relevant legal documents, learn from the bank or the law firm designated by the bank about the bank's provisions on mortgage support for the buyer, and fill in the mortgage loan application form.
2. When choosing a building, the buyer can sign a contract for the pre-sale and sale of commercial housing with the developer or his agent. After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. 3. After signing the house purchase contract, the buyer can sign the pre-sale and sales contract with the developer or his agent. After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions.
4. Apply for mortgage registration and insurance. Property buyers, developers and banks shall go through mortgage registration and filing procedures with the real estate management department on the basis of the building mortgage loan contract and purchase contract. The insured amount shall not be less than the total value of the collateral.
5. Sign a house mortgage contract.
6. Open a special repayment account. After signing the building mortgage loan contract, the purchaser opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from the account.
Real estate is subject to the name on the real estate license. The house is yours now, but your situation is very complicated. We suggest that you negotiate with the original owner. If no agreement can be reached and the bank loan has not come down, the original homeowner can apply to terminate the agreement and ask the real estate license to be transferred back to his name. Housing transfer refers to the procedures for changing housing property rights through transfer, sale, gift and inheritance. That is, the whole process of the transfer of property rights from Party A to Party B. There are several different situations in the transfer of real estate, such as the transfer of inherited real estate, the transfer of donated real estate and the transfer of second-hand housing.
1, bank loan
Bank loan refers to an economic behavior in which banks distribute funds to people in need of funds at a certain interest rate according to national policies and regulations, and agree on the repayment period. Bank loans usually require guarantees, mortgage loans, proof of income and a good personal credit investigation to apply. The types of loans classified according to various standards are different in different countries and different development periods of a country.
2. Choose average capital or equal principal and interest for the loan.
The average capital will bear a heavy burden in the early stage of repayment, which is more suitable for customers who have a certain economic foundation and can bear greater repayment pressure in the early stage; Matching principal and interest because the monthly repayment amount is the same, so it is convenient to arrange income and expenditure. Therefore, it is friendly to customers whose income is relatively stable due to economic conditions.
3. Is the loan interest rate annual or monthly?
Whether the loan interest rate is based on the annual interest rate or monthly interest rate is determined according to the rules of the loan platform borrowed by the borrower or the signed contract. For example, the loan interest rate borrowed by ants is based on the daily interest rate. The bank's mortgage has equal repayment with monthly repayment and interest, and there are also unequal repayment with annual repayment and interest.
4. How to calculate the interest on bank loans?
① Calculation method of equal principal and interest If you use the calculation method of equal principal and interest in bank loans, your monthly repayment amount = [loan principal * monthly interest rate *( 1+ monthly interest rate) repayment months]; [( 1+ monthly interest rate) repayment months-1]. For example, Xiaolan borrowed 9000 yuan for 9 months, with a monthly interest rate of 0.9%. Then Xiaolan's monthly principal and interest should be = [9000 * 0.9% * (1+0.9%) 9] = [(1+0.9%) 9-.
② Calculation method of average capital If you use the calculation method of equal principal and interest in bank loans, your monthly repayment amount = (loan principal ÷ repayment months)+(principal-accumulated amount of repaid principal) * monthly interest rate.