1, buying a house is the first or second loan, with a down payment of 50% for the second loan, and the interest rate is not favorable. If the original loan is another loan and it is overdue, then the loan will not be paid, but the second suite is fine, and the third suite is just stopped by the state, which depends on the local actual situation.
2. Information to be provided by mortgage to buy a house: 3 copies of the ID card of the applicant and spouse, and the original and copy of the household registration book (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required); Original purchase agreement; Original and photocopy of the advance receipt of 65,438+0 for 20% 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.
Mortgage loan process
1. Both parties sign a sales contract for mortgaged house (or pre-sale house). Of course, this is only an intentional contract, and no down payment is required. The down payment depends on the terms you discussed with your predecessor.
2. Submit a loan application to the bank. Some banks force you to put the down payment into his account. How to deal with this matter is a matter of opinion. After the bank accepts your application, if the information is incomplete or insufficient, it will ask you to provide additional information. Generally speaking, the mortgage loan approval time will be about 2 weeks. Some banks will ask you to apply for a credit card and finance when you apply for a loan, and try to promote it as much as possible. These may be traps to attract funds.
When the bank approved your mortgage application in Chongqing, but didn't give you a loan, you should pay attention to it. You should ask the bank manager when you can arrange a loan for you after the mortgage is completed, at least give it a time. After confirmation, it can be handled.
4. Sign loan contracts with banks, pay various fees and handle mortgage insurance. When signing a loan contract, you should read the terms clearly, because most bank managers do these loan contracts in batches, and mistakes and omissions are inevitable.