Basic concept of buying a house by loan
Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage 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 seller's account within the time limit stipulated in the contract.
data preparation
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax receipt, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
operation sequence/order
First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials.
Then accept the bank's review of you and determine the loan amount.
Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
After that, what is left is the cancellation of registration after the bank issues loans, the borrower repays each month and pays off the principal and interest.
After the above procedures and formalities, you can get a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.
As the lender of Huai 'an commercial loan to buy a house, have you understood all the problems involved in handling the loan? What is the tax rate for commercial loans? How is the loan term and loan amount limited? What information should I prepare before applying for a loan? Let's take a look at the conditions for buying a house with commercial loans in Huai 'an.
Conditions that the lender must meet at the same time
(1) has legal status;
(two) a stable economic income, good credit and the ability to repay the principal and interest of the loan;
(3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;
(4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;
(5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;
(6) Other conditions stipulated by the lending bank.
Information to be submitted when applying for a loan
(1) individual housing loan application;
(2) Copy of identity documents (resident identity card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents);
(3) The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank;
(4) Legal house purchase (overhaul) contracts, agreements and relevant approval documents;
(5) List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by an evaluation agency recognized by the loan bank;
(6) The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;
(7) The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank;
(8) Relevant certificates of self-raised funds used by the borrower to purchase (overhaul) the house;
(9) House sales (pre-sale) license or the property ownership certificate of the building (existing house) (copy);
(10) If the borrower's spouse and * * * both apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form, and show their marriage certificate and household registration book;
(1 1) Other documents and materials required by the lending bank.
loan limit
High is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower);
deadline
Generally not more than 30 years.