You can sell your house to your mother, just find an intermediary company to go through the formalities for you. The problem is that you get the cash, but your mother has to pay back the loan every month. I don't know how old your mother is. How much is the monthly income? You can't get a loan when you are old, because the bank will evaluate the ability of the repayment person. Issue loans.

Second, can immediate family members buy and sell houses with loans?

A:

The accounts of immediate family members together are not enough to form a business. Accounts can't be transferred together, so loans can't be made. If the account is sold by immediate family members, both parties need to meet the requirements of full purchase. 1. The seller needs to provide: 1, the original and photocopy of the real estate license; 2. Original and photocopy of ID card; 3. Original and photocopy of the original house purchase agreement; 4. The original and photocopy of the household registration book; 5. Married persons are required to provide the original and photocopy of the marriage certificate; 6. Married people need to provide opinions that some people agree to sell. Second, the buyer needs to provide: 1, the original and photocopy of the ID card; 2. The original and photocopy of the household registration book. Because the information provided by both parties is the same, the transfer cannot be made.

Only when the accounts of the buyer and the seller are not together (of course, the bank card cannot be related) and the bank can't find you and your immediate family, can you borrow money to trade this house. Between immediate family members, if they choose loans for real estate transactions, banks will think that they are suspected of defrauding loans. Therefore, immediate family members cannot borrow money to buy a house, and banks will not approve loans.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization 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 sales unit within the time limit stipulated in the contract.

Loan application information:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

It usually takes about 1 month to get a loan.

Loan terms:

1. has legal residence status;

Second, have a stable occupation and income;

Three, have the ability to repay the loan principal and interest on schedule;

Four, the assets recognized by the loan bank are mortgaged or pledged, or (and) there are guarantors who meet the requirements for their guarantee;

Five, there is a contract or agreement for the purchase of housing;

Six, when applying for a loan, there are not less than 30% of the funds needed for the purchase of houses in the Construction Bank; If the advance payment has been paid to the selling unit, the original and photocopy of the payment receipt are required.

7. Other conditions stipulated by the lending bank.

From Baidu Encyclopedia: Web links

Third, the loan needs to leave the contact information of immediate family members. Does it affect relatives?

Personal loans need to be verified by immediate family members. The conditions for applying for a personal loan are: first, at least 25 years of age, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule. Third, the credit record is good and there is no bad credit record. Fourth, it can provide legal and effective guarantees recognized by banks. Fifth, other conditions stipulated by the bank. Generally meet the above conditions, you can apply for a loan from a commercial bank. Personal loan, also known as retail loan business, has become an important loan business after decades of development. Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. Fourth, do immediate family members buy a house loan?

Only when the accounts of the buyer and the seller are not together (of course, there can be no connection between bank cards and the like) can the house be loaned and traded. Between immediate family members, it is suspected of choosing loans to pay for real estate fraud. Therefore, immediate family members will not approve loans.