As long as it is a large property right house, the age of the house is not too long (more than 20 years), and there is no loan.
Can the second-hand house (villa) in Country Garden North District use provident fund loan? Can the balance of housing provident fund be used for the down payment of house purchase?
Yes, and the monthly provident fund can be used to repay the loan. If you use provident fund loans, you must make an appointment online in advance. If you finish the appointment, you must borrow the loan at the appointed time. Otherwise, your appointment will be cancelled.
How much is the handling fee for second-hand housing mortgage loan?
Second-hand housing mortgage loan has always been the choice of many buyers. For borrowers, what other expenses are there besides repayment and interest? How much is the handling fee for second-hand housing mortgage loan?
The expenses involved in handling individual housing loans include evaluation fees, attorney fees, insurance fees, mortgage registration fees, etc.
1. Appraisal fee: According to the regulations of CCB, appraisal fee is not required for individual housing loans for newly-built commercial houses, but for applicants who use provident fund loans. General housing and houses sold according to the housing reform policy do not need to pay assessment fees. Need to assess, according to the 500 yuan charge. ICBC requires that ordinary commercial housing and affordable housing should be identified according to their sales prices, but not evaluated. Second-hand houses, high-grade apartments and villas should be evaluated. Agricultural Bank of China second-hand housing evaluation fee is charged at 4‰.
2. Attorney's fees: In addition to pledge, the application for commercial loans must be reviewed by lawyers, and legal opinions will be issued by law firms. The law firm charges the borrower a one-time legal service fee of 3‰ of the loan amount applied for, and the minimum amount for each order is 100 yuan; There is no need to pay lawyer's fees for handling provident fund loans; If it is a portfolio loan, the provident fund part will not be collected, and the commercial loan part will be collected.
3. Insurance premium: In the provident fund personal housing loan, if mortgage guarantee and comprehensive housing insurance are adopted, real estate insurance and personal insurance must be purchased. Life insurance depends on age and loan amount, and real estate insurance premium = insurance amount ׉ (reinforced concrete structure )× insurance period. In commercial loans and portfolio loans, those who apply for loans by mortgage need to purchase property insurance.
4. Mortgage registration fee: mortgage registration fee of RMB per square meter (construction area) is charged by the mortgage registration department (ownership department of housing and land management departments in all districts and counties).
5. Notarization fee: Second-hand housing loans need to be notarized, and each piece is about 200 yuan.
The above is part of the expenses involved in handling second-hand housing loans. I believe that after the above introduction, you will have a certain understanding of the relevant knowledge of loan fees.
What are the conditions for purchasing Huizhou Oriental Venice Villa with provident fund loans, and what are the main items of second-hand housing transactions?
Hello, it is my pleasure to answer your questions about the Venice villa community in the East.
The conditions for purchasing the Oriental Venice villa house with provident fund loans include: 1. The borrower must have an account in the city where the Oriental Venice Villa is located; 2, usually income should be stable, good credit, have the ability to repay the loan; 3. There is a legal contract or agreement to purchase the self-occupied house of the Oriental Venice Villa, and there is a prescribed proportion of self-raised funds; 4. The mortgage or pledge of assets stipulated in the Guarantee Law is used to purchase the loan of Oriental Venice Villa; 5. Agree to handle the purchase guarantee or mortgage property insurance; 6. Agree to other conditions stipulated in the housing provident fund management.
Matters needing attention in second-hand housing transaction of Oriental Venice Villa 1. The real identity of the owner must be confirmed before the transaction of the second-hand house of Oriental Venice Villa; 2. When signing the second-hand house sales contract of Oriental Venice Villa, both parties' liabilities for breach of contract must be made clear; 3. The time of payment and transfer must be marked; 4. The delivery time of the related expenses of the second-hand house of Oriental Venice Villa must be indicated; 5. When signing a contract with an intermediary company, you must have a detailed list of agency fees; 6. If you buy a second-hand house in Venice Villa through an intermediary company, you must meet the owner; 7. You must learn to use the supplementary agreement.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
Can I use the provident fund loan? Can I use the provident fund loan?
This paper expounds whether the provident fund loan can be used and some related matters needing attention.
There are many kinds of houses, including single-family houses, duplex houses and villas. So, can I use provident fund loans? It is also a concern of many people. When it comes to buying provident fund loans, many people are not very clear. Let's discuss the use of provident fund loans in this article.
Can I use the provident fund loan?
Generally speaking, you can apply for housing provident fund loans in the following situations.
1. The lender must have a permanent residence in this city or a valid residence status;
2. Push forward from the date of application, and continuously pay the housing provident fund in full 12 months or more (both husband and wife can only make one loan when paying the provident fund); There are contracts (agreements) and related materials for the purchase, construction and overhaul of owner-occupied housing in accordance with the law;
3, with a certain proportion of self-raised funds, the purchase of commercial housing, affordable housing, self-raised funds not less than 20% of the total price (the purchase of second-hand houses or buildings, overhaul houses, self-raised funds not less than 30% of the total price);
4. Have a stable economic income and the ability to repay the loan principal and interest (monthly income certificate issued by the unit);
5. Agree to use the purchased house or the house with complete property rights or the house of a third party as collateral, or use securities or bank time deposit certificates recognized by the loan bank as collateral, or provide guarantees by legal persons, organizations or third parties recognized by the loan bank.
Villa is not allowed to apply for provident fund loans.
Generally speaking, there are several situations in which you can apply for a housing provident fund loan: the lender must have a permanent residence or valid residence status in this city; Push forward from the date of application, and pay the housing provident fund 12 months or more in full (if both husband and wife pay the provident fund, only one person is allowed to borrow).
There are contracts (agreements) and related materials for purchasing houses, building houses and overhauling self-occupied houses according to law; There is a certain proportion of self-raised funds, and the self-raised funds are not less than 20% of the total house price for the purchase of commercial housing and affordable housing (not less than 30% of the total house price for the purchase of second-hand houses or the construction and overhaul of housing); Have a stable economic income.
Have the ability to repay the principal and interest of the loan (monthly income certificate issued by the unit); It is agreed that the purchased house or the house owned by itself or the house of a third party with complete property rights shall be used as collateral, or the securities or bank time deposit certificate recognized by the loan bank shall be used as pledge, or the legal person, organization or third party recognized by the loan bank shall provide guarantee.
There are no obstacles for banks to purchase houses with personal first-hand housing loans and personal second-hand housing loans. However, as the state strengthens the regulation of the real estate market and the banking sector further strengthens the mortgage loan business, many banks are more cautious about developing the personal housing loan business of villa buildings.
Some banks simply give up the personal housing loan business of villa real estate. Even if some banks choose to develop personal housing loan business of villa real estate, they also have higher requirements in down payment and loan interest rate. There are also a few banks that have not raised the down payment ratio and loan interest rate when implementing the villa mortgage policy.
These are some questions we need to know about whether we can use provident fund loans. I hope they can help you.
What information do you need for a villa loan?
Whether buying a villa or a general property, the procedure in mortgage to buy a house should be the same:
1. The customer chooses a house from the real estate developer, signs a house purchase agreement with the real estate developer, and pays the down payment for the house purchase.
2. Bring personal ID card, local household registration book or temporary residence permit, house purchase agreement, down payment receipt, proof of economic income (such as bank running water and payroll) and other related materials to the selected bank to apply for a loan.
3. The bank conducts the audit, and the appraisal institution evaluates the value of the house, and then issues the audit results, appraisal report and informs the customer.
4. The approved customer shall sign the loan contract at the outlet in time within the agreed time, and handle the mortgage registration and other related procedures.
5. When a bank lends money, it will generally transfer the money to the customer's own account, and then the system will immediately transfer it to the account designated by the real estate developer.
I don't know if I understand! If you are satisfied, adopt it!