For example, if the commercial house is completed within 3 years, the value of the house is stable or appreciated, and the borrower has a higher education and a better career income prospect, the maximum loan amount cannot exceed 80% of the appraised price of the mortgaged house, that is, the lower confirmation price and transaction price. In addition, if you are a non-local household registration, or a local property buyer without a fixed residence, the loan amount will be relatively reduced.
1, room age. According to bankers, the age of second-hand housing has become the audit standard for many banks to issue loans, because the longer the age of housing, the smaller the room for appreciation and preservation of housing, the lower the proportion of loans approved, and may even not approve loans;
2. The location, unit price and area of the house are the main factors for banks to approve loans. For houses with remote location, low unit price and small area, the loan ratio is generally low, and loans may not even be issued;
3. The lender's age, personal credit and repayment ability. Lenders with older age, poor credit and low repayment ability will even refuse loans;
4. Number of loan houses of the lender. The more sets, the less the loan amount.
1, depending on whether the ownership of second-hand houses is true, complete and reliable. Review the relevant documents of the "two certificates" of houses, and houses without two certificates may not be bought or sold.
2. It depends on whether the house is owned by * * *. If it belongs to * * *, it needs the consent of other * * * people. According to the regulations, if the second-hand house belongs to more than two (including two) subjects, the written consent of the owner of the second-hand house should be reviewed (submitted).
3. Before the second-hand house transaction, the buyer should check whether there are other creditor's rights and debts disputes in the house. Whether the people's courts, people's procuratorates, public security organs and other state and municipal administrative organs have sealed up.
4. Second-hand housing mortgage should be reviewed. If there is a mortgage, it shall obtain written evidence that the seller has notified the mortgagee, or obtain the written consent of other obligees such as the mortgagee to transfer.
5. It depends on whether the purchased second-hand house is a house that is allowed to be sold. Because in the "housing reform" to sell public houses, some units still have the right of first refusal. According to the relevant regulations of housing reform, housing purchased by urban workers at standard price or cost price shall not be listed and traded within 5 years after purchase; Five years later, if the house is sold, the original property unit also has the preemptive right. If you buy such a house, there may be problems.
6. It depends on whether the construction area of the purchased second-hand house is accurate. Because sometimes the actual area of the house sold does not match the area indicated in the real estate license, the area of the house sold in the contract is subject to the area indicated in the real estate license.
(The above answers were published on 2015-11-10. At present, please refer to the actual situation for the relevant purchase policy. )
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