Can I apply for a mortgage loan when buying a second-hand house in Langzhong? The down payment ratio of the first suite is 20%-30%, the down payment ratio of the second suite is 50%-70%, and the execution interest rate is 1. 1 times of the benchmark interest rate. The down payment ratio will be different in different regions. The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; (Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; The third suite is not allowed to buy a house with the current loan. When buying a new house and a second-hand house, the calculation of loan down payment is very different. When applying for a new house loan, the down payment is based on the market price at the time of purchase, and the loan ratio is determined after various audits according to the number of personal loans and the credibility of personal loans. Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called appraisal price is based on the market situation at that time, and the professional appraisal institution designated by the bank evaluates and calculates the value of the property. Generally, the evaluation price of second-hand houses is lower than the market price. The evaluation price is mostly 80%-90% of the market value of second-hand houses, and some houses will be lower.
How to buy a second-hand house mortgage? First, the second-hand housing mortgage loans required materials:
1, original and photocopy of ID card;
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 certification materials. If the borrower is a self-employed, the staff can 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;
If the borrower is the legal representative, responsible person or shareholder of the enterprise, it shall provide a copy of the business license, articles of association, recent balance sheet and tax payment certificate;
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.
Second, the second-hand housing mortgage loan processing process:
(1) After the buyer and the seller sign the house purchase contract and pay the down payment, they apply for a loan from the bank. Fill in the loan application form (if married, both husband and wife are invited to come together), and the center staff will issue a loan commitment letter after approval, which will serve as the basis for the buyers to handle the loan procedures.
(2) To receive the receipt of the loan payment voucher of the loan contract with the original ID card, the required process is: acceptance counter (accepting loan application)-safe (handling insurance)-signature counter (signing loan contract)-notarization counter (handling contract notarization)-signature counter (receiving loan contract).
(3) After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign a loan contract and mortgage contract with the bank with the above information, loan commitment letter, savings passbook and savings card of CCB to be used for repayment, credit card and insurance policy, and go through notarization procedures (if the buyer is married, both husband and wife need to come together).
If the husband and wife or one of them can't come to sign the contract in person, it is necessary to authorize the other party or a third party to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust.
Note: handling second-hand housing loans is largely a stylized process. Banks have clear regulations on the process of second-hand housing loans, and buyers can handle them according to the requirements of banks. However, there is no guarantee that banks will not harm the interests of buyers in the process of handling second-hand housing loans, such as adding some unreasonable terms to the loan contract.
Can I choose the down payment ratio of second-hand housing mortgage repayment? Generally, the minimum down payment is 30% of the house price (appraisal price), and the above ratio can be decided by yourself.
How to buy a second-hand house for mortgage? (1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; (2) Eligible buyers apply for loans from loan banks and provide relevant certification materials; ⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal; (4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions; 5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan; [6] The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities; (7) The purchaser signs a second-hand house mortgage loan contract with the loan bank; (8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; (9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.
Can I apply for a mortgage loan when I buy a second-hand house in Fuzhou now? Yes, you can.
For details of mortgage loans, please refer to the following information:
Letter of credit clause
1, with urban permanent residence or valid residence status;
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
3. There is a purchase contract or agreement;
4. Be able to pay a deposit of not less than 50% of the national defense evaluation price after full purchase;
5. Agree to use the purchased house as collateral, or provide assets recognized by the loan bank as collateral or pledge, or have a unit or individual with guarantee qualification and sufficient compensation capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;
6. Other conditions stipulated by the lending bank.
Loan amount, term and interest rate
Second-hand housing mortgage loans usually have a maximum amount of not more than 50% of the purchase price or evaluation price. The loan term shall not exceed 15 years minus the service life of the house, and the longest term shall not exceed 20 years minus the service life of the house. The loan interest rate is the individual housing loan interest rate stipulated by the People's Bank of China.
Bidding application procedure
1. The borrower submits a written loan application and provides the following information:
(1) Housing transaction contract signed by the buyer and the seller and signed by the competent department;
(2) the ownership certificate of the purchased house and the document that someone agrees to sell the house;
(3) the borrower's family property certificate and income certificate (including personal income certificate, tax payment certificate, bank deposit certificate, real estate license, securities, etc.). Issued by the work unit);
(4) The borrower's legal and valid identity certificate (referring to the resident identity card, household registration book or other valid residence certificate) and proof of marital status;
(5) The document that the borrower and the * * * people agree to mortgage the purchased house.
2. The buyer and the seller open an account in the loan bank, and the buyer deposits the down payment in full into the account designated by the loan bank.
3. After investigation and approval by the lending bank, the borrower and the lending bank sign a loan contract and a transfer deduction authorization.
4 for housing transfer, insurance, notarization, mortgage registration and other procedures.
5. Proof of property right transfer. The borrower shall submit the house ownership certificate, house ownership certificate and insurance policy (original) of the purchased house that has gone through the mortgage registration formalities to the loan bank for mortgage.
6. Transfer loans. After the above procedures are completed, the loan bank will transfer the loan to the account opened by the borrower in the loan bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the Power of Attorney for Deduction.
Can a 40 square meter second-hand house be purchased by mortgage? Yes
Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property ownership certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral.
1. Information required for mortgage loan:
3. The original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached);
Original purchase agreement;
1 Original and photocopy of advance payment receipt for 30% or more of the house price;
Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ;
The developer's collection account number is 1.
Two. Mortgage loan conditions:
Age 18-65 years old, with full capacity for civil conduct;
Pay a down payment;
Have a stable legal income and the ability to repay interest;
The Borrower agrees to use the purchased house and its rights and interests as collateral;
The purchased second-hand houses have clear property rights and meet the local requirements for entering the real estate market;
The purchased house is not within the scope of the demolition announcement;
Other conditions required by the lending bank.
Third, the process of mortgage loan:
The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;
After receiving the application, the loan bank shall confirm and review the information;
After the audit, the loan bank contacts the lender and signs the relevant contract;
For bank loans, the lender shall fulfill the repayment obligation.
Can I go to the bank to buy a second-hand house and pay the mortgage? Let the intermediary company cancel the second-hand housing mortgage they represent, and the landlord needs to show his ID card and real estate license. In order to avoid unnecessary disputes, it is suggested to choose an intermediary company trusted by both parties as its guarantee.
Second-hand housing mortgage loan process:
See the house on the spot; Loan officers, intermediaries, appraisers, buyers and sellers go to the site of the house applying for mortgage loan to conduct on-site investigation of the house.
Property right verification; The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through relevant formalities.
Sign a contract; The bank carefully checks and verifies the original information of the customer, identifies the authenticity of all signatories, supervises the signature of the customer, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to go to the bank to handle the account.
Fill in the contract; The bank arranges the information according to the relevant information provided by the customer and fills in the contract.
Payment obligation; After the bank has passed the preliminary examination, it will inform the customer to pay the fee.
Transfer of property rights; With the help of the Housing Authority, the buyer and the seller go through the formalities of property right transfer.
The Lender prepares relevant materials to go through the mortgage formalities at the bank;
Bank loan.
Can property buyers find their own banks to handle mortgage loans? Property buyers can choose their own loan banks.
Legal experts believe that in the housing sales contract relationship, one party sells the house and the other pays the house price, and the interests and obligations that both parties should enjoy are the timely delivery and payment of the house. The law does not give developers the benefits they should enjoy through designated loan banks. Therefore, from a legal point of view, it is definitely illegal for developers to designate loan banks and refuse provident fund loans.
The Law on the Protection of Customers' Rights and Interests also stipulates that customers should enjoy the benefits of independently choosing loan products or services. Although the law does not directly give developers the benefits they should enjoy through the designated loan bank, it also stipulates that the contractual agreement is superior to the statutory agreement. That is to say, if the purchase contract stipulates that the developer should enjoy the benefits of the designated loan bank or directly designate the loan bank, then this agreement gives the developer the benefits that he should enjoy, and the customer should abide by this clause; If there is no such agreement in the contract, the developer only verbally suggests to designate a bank, and the customer can completely refuse.
Can second-hand houses be mortgaged? You can apply for a mortgage.