Housing loans can change the main lender, but it needs to apply to the loan bank and the bank agrees to change the main lender. If it is a provident fund loan, the borrower of the loan can only change under the following circumstances:
1. When the borrower divorces, he needs to hand over the ownership of the house to his spouse.
2. The borrower does not have full capacity for civil conduct.
3. The borrower dies and is declared dead.
Program flow
1. The borrower shall fill in the application for house mortgage before the loan, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit Chi Yinlan; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; Proof of the ownership of the house or proof that I have the right to control the house according to law; Appraisal report, appraisal report and insurance certificate of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the certificate of title and insurance policy or securities of the mortgaged property to the bank for safekeeping.
4. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6. The loan applicant repays the loan on a monthly basis.
Repayment method
brief introduction
There are two repayment methods for housing loans with a loan term of more than one year: equal principal repayment and equal principal and interest repayment.
Average capital
It is to spread the total loan evenly during the repayment period and repay the equal principal and interest generated by the remaining loans in the current month every month.
Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
Features: Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.
Average capital plus interest
During the repayment period, the same amount of loan (including principal and interest) will be repaid every month.
Monthly repayment amount = [loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months] ((1 monthly interest rate) repayment months]
Characteristics: Compared with the repayment method in average capital, the disadvantage is that interest is more, and interest accounts for most of the monthly contributions in the initial repayment period, and with the gradual return of principal, the proportion of principal in the contributions is also increasing. However, the monthly repayment amount of this method is fixed, which can control the expenditure of family income in a planned way and facilitate each family to determine the repayment ability according to their own income.
Can I change the loan method halfway through buying a house?
Generally speaking, not. Generally speaking, the repayment method of mortgage cannot be changed during the repayment process. After the borrower signs a loan contract with the bank and determines the repayment plan, it is usually impossible to change the repayment method. However, different bank regulations will be different. It is recommended to consult the staff of the loan bank specifically.
Extended data:
Loan means that banks, credit cooperatives and other institutions lend funds to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Mortgage loan, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.
The loan object is a natural person with full capacity for civil conduct. The loan conditions are: urban residents are used to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, have a down payment of 30% of the funds needed for house purchase, and have a loan guarantee recognized by the bank.
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower by using housing provident fund deposits and credit funds to purchase self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.
The borrower shall provide the lender with the following information: identity documents; Proof of stable economic income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; Guarantor agrees to provide written guarantee documents and guarantor's credit certificate; Five, to apply for housing provident fund loans, the need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.
Can mortgage change the way of loan?
The repayment method of mortgage can be changed, but we need to take the initiative to discuss with the bank. Average capital is generally easy to change the principal and interest into equal amounts, after all, interest is more. However, changing equal principal and interest into average capital may not be easy to succeed. On the one hand, banks may not accept the reduction of total interest. On the other hand, if it is changed to average capital, the initial repayment pressure will be greater, and some lenders may not be able to meet the income demand. If there is a need for actual adjustment, it is recommended to ask the lending bank.
Loan elements
I. Purpose of the loan
Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing.
Second, the loan object
The loan object should be a natural person with full capacity for civil conduct. The borrower shall meet the following conditions:
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, do not enjoy the purchase subsidy to not less than 30% of the total price of the purchased house as the down payment; 30% of individuals who enjoy housing subsidies are down payment for housing purchases;
5. There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;
6. Other conditions stipulated by the lender.
Third, provide information.
The borrower shall provide the lender with the following information:
1. Identity documents (referring to valid residence documents such as resident identity cards and household registration books);
2. Proof of stable economic income of the borrower's family;
3. Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements;
4. List of collateral or pledge, proof of ownership and proof that the person with the right to dispose agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; Guarantor agrees to provide written guarantee documents and guarantor's credit certificate;
5. To apply for a housing provident fund loan, a certificate issued by the housing provident fund management department is required;
6. Other documents or materials required by the lender.
How to change the loan method when buying a car?
Nowadays, many young people will choose to buy cars. Nowadays, buying a car by loan has been accepted by the majority of car buyers, so many people will choose to buy a car by loan, so they can also buy their favorite car. Under normal circumstances, the main ways to buy auto loans are bank auto loans, credit card installment loans to buy a car and auto finance company loans, so everyone should also choose a good loan method in advance. If you want to change the loan method when buying a car, you need to communicate with the relevant staff and then change your loan method.
It is common to borrow money to buy a car.
As everyone said, it is very common to borrow money to buy a car. Because many young people are under certain pressure, in order to alleviate this pressure, they will choose to borrow money to buy a car. This is also very convenient and can bring some benefits. Everyone also said that you need to pay attention to buying a car with a loan, and you need to pay attention to buying a car with a loan.
There are many ways to borrow money.
Although buying a car with a loan can relieve your pressure, people should also be very careful. Some netizens said that they want to suddenly change the loan method when buying a car and need to communicate with the staff. You also need to provide your ID card and then hand it over to the relevant bank, so that you can change the loan method when buying a car. However, everyone also needs to make a reasonable choice. After all, loans can bring convenience to themselves and make them feel less stressed, which is also recognized by many young people.
Pay attention to buying a car with a loan.
If we don't pay extra attention when buying a car, it will also cause some bad phenomena, so we must be extra careful and pay attention. Some netizens said that you must choose a good loan method when buying a car, because different loans also have different interest rates. Although it has been recognized by all young people to borrow money to buy a car, some young people need to be extra careful.