What kind of house do you want to buy, second-hand or primary? Second-hand housing is not fixed, it depends on the evaluation. The down payment for a first-hand house is about 30%-40%
Buy a second-hand house in Harbin and want to buy it with a loan. How much is the down payment?
The amount/down payment ratio of China Merchants Bank's housing loans (including first-hand buildings and second-hand buildings) is as follows:
The minimum down payment ratio of the first suite is 30%, that is, the maximum loan amount does not exceed 70% of the value of the purchased property; (cities that do not implement "purchase restriction" will be adjusted to not less than 25%)
The minimum down payment ratio of the second suite is 40%, that is, the maximum loan amount does not exceed 60% of the value of the purchased property.
Your specific credit line needs you to submit relevant information, and it can only be determined after the approval of the outlets. You can directly contact the personal loan department of local outlets for consultation!
Conditions and Handling Process of Second-hand Housing Mortgage Loan in Harbin
First, the conditions of second-hand housing mortgage loan in Harbin are as follows:
(1) The conditions and materials required by the buyer are as follows:
1, the original and photocopy of the ID cards of both husband and wife;
2. The original purchase contract or letter of intent signed with the seller;
3. The original and photocopy of the down payment certificate;
4. Proof of marital status: original and photocopy of marriage certificate/divorce certificate/unmarried certificate;
5. The original and photocopy of the household registration book;
6. Original credit certificate (using the standard format provided by the bank). Due to the complicated income situation of the borrower, the staff may require the original and photocopy of other relevant supporting materials:
(1) If the borrower is a self-employed, provide a copy of the business license, the tax payment certificate for the last three months, the property right certificate of the business premises or the lease contract;
(2) If the borrower is the legal representative, responsible person or shareholder of the enterprise, it shall present a copy of the business license, articles of association, recent balance sheet and tax payment certificate;
(3) If the loan applicant indicates that there are other sources of income other than wage income, relevant certification materials shall be submitted. Such as interest income, certificates such as certificates of deposit and treasury bills should be provided; Housing rental income, should provide housing property certificate or lease contract; For investment income, the investment certificate, dividend resolution and payment voucher of the invested entity shall be provided.
7. Other information required by the bank.
(2) The conditions and information required by the seller are as follows
1, complete property ownership certificate and land certificate;
2. The original and photocopy of the ID cards of both husband and wife;
3. Proof of marital status: original and photocopy of marriage certificate/divorce certificate/unmarried certificate;
Two. Harbin second-hand housing mortgage loan process is as follows:
1. Bank Credit Information (go to the People's Bank to check the buyer's credit information)
2, housing property survey (survey whether the property is mortgaged, sealed up, property analysis, inheritance, * * owner)
3. Pay the down payment to the seller and keep the balance of the house.
When the house is transferred, the bank will review the loan conditions.
5. The bank issues loans to the seller's account.
6. Both parties jointly deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out).
7. Pay the final payment to the seller.
How much is the down payment for buying a second-hand house
Second-hand housing is a ready-made house, you can see the real thing, and you can rest assured when you buy it. So many people buy second-hand houses, and there is a difference between buying second-hand houses and new houses. How much is the down payment for buying a second-hand house? What is the calculation method of second-hand house down payment? Let's take a look with Bian Xiao.
First, how much is the down payment for buying a second-hand house?
1. For families (including loan applicant, spouse of loan applicant and minor children of loan applicant) who purchase the first second-hand house with a construction area of not more than 90 square meters or purchase affordable housing according to relevant regulations, the down payment ratio of second-hand house shall not be less than 20%.
2. For families who purchase the first set of second-hand houses with a construction area of more than 90 square meters (including loan applicants, spouses of loan applicants and minor children of loan applicants), the down payment ratio of second-hand houses shall not be less than 30%.
3. For families who buy a second second-hand house (including the loan applicant, the spouse of the loan applicant and the minor children of the loan applicant), the down payment ratio of the second-hand house shall not be less than 60%. The loan interest rate shall be 1. 1 times the benchmark loan interest rate of the same grade in the same period.
Second, the second-hand housing down payment calculation method
1, net down payment of second-hand house down payment = actual house price of second-hand house-buyer's loan amount. The net down payment here does not include the down payment of taxes and intermediary service commissions in our country.
2. Second-hand housing loan amount = second-hand housing appraisal price ×80% (the loan amount can reach 80% for the first time).
3. Estimation method of second-hand housing loan amount = contract price of second-hand housing ×85%, so that the approximate evaluation price of second-hand housing can be estimated.
4. The following three criteria are needed to measure the tolerance of second-hand housing down payment:
(1) The monthly repayment amount of the loan is less than or equal to the monthly average disposable income-50% of the monthly property fee.
(2) The monthly repayment amount of the loan is ≤ 55% of the monthly average disposable income-monthly property fee-monthly repayment amount of other debts.
(3) Idle funds such as cash on hand and bank deposits can maintain daily expenses for more than 3 months.
The above is about the introduction of the down payment ratio of buying second-hand houses and the calculation method of down payment of second-hand houses. Friends who want to buy second-hand houses can learn more about it. I hope the knowledge summarized by Bian Xiao can help you.
What is the minimum down payment for second-hand housing loans?
The down payment for the loan to buy a house is not less than 30%, and the loan to buy a second-hand house is 70% of the loanable appraisal price (issued by a real estate appraisal company recognized by the bank). The loan amount of second-hand housing is calculated according to the evaluation price, which is lower than the transaction price, so the down payment of second-hand housing should take into account the difference between the transaction price and the evaluation price.
For example, for a house with a market price of 6.5438+00000, the appraisal price is 900000, so you can borrow 70% of 900000, that is, 630000, and the rest is the down payment, that is, 370000 (the down payment ratio is different from 30% of the first-hand house purchase).
The higher the evaluation price, the higher the loan amount and the lower the down payment; Conversely, the lower the evaluation price, the lower the loan amount and the higher the down payment.
Process and estimated time of second-hand housing loan in Harbin
Hello, the process is as follows:
1. The buyer and the seller bring all the application materials and go to the bank to apply.
2. Fill in the second-hand housing personal loan application form and submit it to Harbin Bank for review.
3. Bank staff evaluate and review the materials.
4. The appraisal agency evaluates the value of second-hand houses. After the evaluation is completed, the agency will issue an evaluation report.
5, the bank according to the housing evaluation results, the loan amount, duration and other aspects for approval.
6. After approval, the buyer pays the down payment of the house and goes through the transfer formalities at the real estate bureau.
7. The buyer handles the real estate mortgage registration and insurance.
8. The bank will transfer the house payment to the seller's account, and the buyer will sign a loan contract with the bank to start performance.
Under normal circumstances, it takes about 2.5-3 months for second-hand houses in Harbin to apply for mortgage loans. Because most residents want to get the house payment in time after the house is sold, some guarantee companies have reached an agreement with financial institutions. On the premise of standardized operation in the early stage, financial institutions only need to lend money with the receipt of the trading center without waiting for other warrants, which can greatly shorten the loan cycle, and the seller can get the house payment 12 months in advance.
The introduction of the down payment for second-hand housing loans in Harbin and the down payment for the first suite of second-hand housing in Harbin ends here. I wonder if you have found the information you need?