Besides buying a new house, you can get a mortgage loan, and you can also get a loan to buy a second-hand house, you know? If the first-hand housing loan is a hot market, then the second-hand housing market is not bad, and there are not a few people buying second-hand housing. So have you heard of the personal refinancing housing loan of CCB? If you haven't heard of it, let me introduce it!

What is a personal refinancing housing loan?

Personal re-traded housing loan refers to the loan issued by China Construction Bank to natural persons who purchase various types of re-traded housing in the secondary housing market in Chinese mainland, commonly known as "second-hand housing loan".

Purpose of the loan: It is used to support individuals to purchase various types of housing in the secondary housing market in Chinese mainland.

Loan targets: China citizens with full capacity for civil conduct, Hong Kong, Macao and Taiwan natural persons with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.

Loan amount: The maximum amount shall not exceed 70% of the appraised price or transaction price of the purchased house (whichever is lower).

Loan term: 30 years at the longest, not exceeding the remaining service life of the purchased house.

Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of the principal and interest due shall be implemented; If the loan term exceeds 65,438+0 years, the method of equal principal and interest and average principal can be adopted.

Loan guarantee: mortgage, pledge, guarantee and other guarantee methods, one or more of which can be used at the same time.

As can be seen from the above, CCB's second-hand housing loans and first-hand housing loans are basically the same, but there are certain restrictions on the loan amount and duration.

Can a second-hand house be loaned?

Second-hand housing can be loaned.

Second-hand housing can be loaned. Second-hand houses are basically individuals who can apply for commercial loans and provident fund loans. However, the lender must be a China citizen with full capacity for civil conduct. There must be collateral in the process of loan. If you buy it with the provident fund, you need to go to the bank to apply for a loan with your unit certificate and identity certificate.

Although it is a second-hand house, for many families, this house price is also very expensive. And if buyers can't buy a house in full at one time, then they can choose a bank mortgage loan to buy a house at this time.

How to handle the second-hand housing mortgage? What are the procedures and procedures for handling second-hand housing loans? These schemes are divided into the following nine items in order, namely:

1. The buyer and the seller sign a house sales contract, and the buyer pays a certain down payment to the seller. In most cases, the down payment is not less than 70%. Some lenders with particularly good qualifications can only lend 80%. After paying the down payment, the seller is required to issue a receipt, which will be used in the loan information.

2. The purchaser applies for a loan from the bank and submits written materials, including the purchase contract, the identity information of the buyer and the seller (ID card, household registration book), proof of marital status (unmarried certificate or marriage certificate), property title certificate and down payment certificate. Copies of these certificates are enough.

3. The appraisal agency designated by the bank evaluates the real estate, so the purchaser also needs to bear the appraisal fee, which generally ranges from several hundred yuan to several thousand yuan.

4. A legal opinion issued by a law firm designated by the bank. Banks issue loans and issue loan commitments.

5. The bank signs a mortgage loan contract with the purchaser (lender and borrower), which is notarized or witnessed by a lawyer.

6. Set up deposit and loan accounts and allocate housing loans.

7. On the day of real estate transfer, handle house transfer procedures and bank mortgage registration, and handle loan insurance procedures or repayment guarantee of guarantee companies. To this end, buyers need to pay insurance or guarantee fees.

8. Banks issue loans. It can be distributed to seller's account, buyer's account or intermediary company's account. At present, most of the ways are to lend money directly to the seller's account (home). Lawyer Shen strongly advises you not to transfer the loan into the account of the intermediary company, so as to avoid serious legal consequences, such as the intermediary company diverting the money for other purposes and absconding with the money.

9. The borrower repays the principal and interest on a monthly basis until the principal and interest are fully paid off and the loan contract is terminated.

What is the difference between second-hand housing loans and new housing loans? Mainly in these four aspects!

Now people buy houses, some will choose second-hand houses, and some will choose new houses. When handling housing loans, what is the difference between second-hand housing loans and new housing loans? Here, let's introduce the specific differences between the two.

Judging from the loan situation, the difference between second-hand housing loans and new housing loans mainly focuses on four aspects: different loan terms, different fees, different procedures and different risks.

1, with different loan terms.

Because the house has a 70-year property right restriction, the term of the second-hand house loan is lower than that of the new house loan as a whole. Generally speaking, the sum of the age of the second-hand house and the loan period cannot exceed 30 years. The longest loan period of new house loans can reach 30 years.

2, the cost is different

In addition to the down payment, you need to pay other expenses when you buy a house with a loan. Generally speaking, the cost of handling second-hand housing loans is higher than that of handling new housing loans.

3. Different procedures

Because the second-hand housing property rights and other issues are relatively complicated and require personal operation, the procedures are much more complicated than the new housing loan. After all, many loan procedures for new houses are handled by developers.

4. Different risks

When handling second-hand housing loans, there are often intermediary companies involved. Due to the uneven level of intermediary agencies, it has increased a lot of uncertainty for second-hand housing loans. Therefore, second-hand housing loans are more risky than new housing loans.

Above, I introduced the difference between second-hand housing loans and new housing loans, hoping to help friends who intend to apply for mortgage loans.

What is the difference between a first-hand housing loan and a second-hand housing loan?

First-hand housing loans and second-hand housing loans are different in loan types and loan terms.

1, loan property type

The type of first-hand house mortgage loan property is the house purchased by the borrower for the first time, that is, the house sold to individuals by real estate developers or other qualified developers after development and construction, and the house is used as collateral. The type of second-hand housing loan property is that buyers apply for loans from banks with the houses traded in the second-hand housing market as collateral.

2. Within the loan term.

The loan period of a first-hand house is the longest loan period of mortgage, which is 30 years at the longest, and the sum of the applicant's age and loan period does not exceed 70 years. The term of the second-hand housing loan shall not exceed 30 years, and the sum of the borrowers' ages shall not exceed 65 years.

Extended data:

Second-hand housing loan conditions

1. The seller has the right to completely dispose of the transaction house according to law, and the transaction house has obtained the property ownership certificate;

2. The age of the purchased house cannot exceed 29 years; The property right of the house traded by the Seller belongs to * * or other property owners and * * *, and the transfer is agreed;

3. The seller and the borrower shall sign a unified real estate transfer contract;

4. The borrower must pay the housing provident fund in full and on time for 12 months from the date when the employer establishes the housing provident fund account for him to the date of applying for a loan;

5. The borrower must have full capacity for civil conduct and the ability to repay the loan principal and interest.