1,18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.
5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
6. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.
Second, what is the process of buying a house with a loan?
1, select real estate
If property buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
2. Apply for a mortgage loan.
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
3. Sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
4. Sign a house mortgage contract.
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
5. Apply for mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
6. Open a special repayment account
After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank confirms that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the Building Mortgage Loan Contract.
2. What procedures and documents are needed to apply for a loan to buy a house?
Legal subjectivity: 1. What are the procedures for buying a house with a loan? Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the house price with the building in the house transaction as collateral, and then the buyer pays the principal and interest to the bank in installments. The procedures for buying a house with a loan are as follows: Step 1: The buyer and the seller prepare complete information to see a lawyer. Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion; Step 3: Bank review
Legal objectivity: what documents do you need for a loan to buy a house? 1. Loan certificate for local buyers: my household registration book, ID card, income certificate of fixed unit, business license of the unit (copy stamped with official seal), monthly bank remittance certificate, corresponding education certificate, marriage certificate for married people and single certificate for unmarried people. 2. Loan certificate for buyers from other provinces and cities: my temporary residence permit, income certificate of fixed unit in Beijing, business license of the unit (copy with official seal), monthly bank remittance certificate, and corresponding education certificate. Marriage certificate is provided for married people, and single certificate is provided for unmarried people. 3. Loan certificate for overseas buyers: On the premise that only one house can be purchased in Beijing, overseas buyers need to fill in the Approval Form for Foreigners to Purchase Houses in Beijing, and then provide Beijing residence permit, household registration certificate for more than one year, proof of stable work income for more than one year, tax bill and bank account. In addition, foreigners also need notarization, and the name on the notarial certificate must be from China.
3. What are the procedures for buying a house with a mortgage loan?
1. The applicant brings information to the management office for consultation, application and filling in the application form. 2. After examination and approval, issue a letter of entrustment to the applicant. 3. After receiving the notice, the applicant will bring the original to the bank to sign the contract and go through the notarization formalities at the notary office. 4. The applicant has to wait for the contract materials signed by the house seller. 5, the applicant holds a secured loan contract (mortgage contract) to the city real estate management office for mortgage registration; 6. The applicant holds the registered loan contract (mortgage contract) and notarial certificate to the housing provident fund service hall to receive the notice of transfer, and then holds the notice of transfer to the bank for transfer procedures.
4. What are the procedures for buying a house with a loan?
What are the conditions and procedures for buying a house with a loan?