Question 2: What does bank mortgage mean? 1. What is a mortgage?
It refers to the loan business in which an individual borrows money from a bank to pay the balance after paying the down payment due to insufficient funds, and repays the principal and interest in equal installments as agreed.
Second, how to calculate the monthly debt service?
i ( 1 + i )n i ( 1 + i )n
The formula: m = p (1+I) n-1(1+I) n-1is the periodic coefficient of n.
M total monthly principal and interest p loan principal I monthly interest n repayment period = loan life x 65438+February/year.
3. What is the repayment coefficient table of individual housing loan of China Construction Bank (2002/02/2 1)?
Set age
Annual interest rate (%)
Monthly interest rate (%)
Number of repayment periods
Coefficient number
1 year
4.770
3.975
12
0.085502 1 18
It's been two years.
4.770
3.975
24
0.043768458
three years
4.770
3.975
36
0.02986774 1
Ichiji
4.770
3.975
48
0.02292525 1
five years
4.770
3.975
60
0.0 18766042
Six years
5.040
4.200
Seventy two
0.0 16 123494
Seven years.
5.040
4.200
84
0.0 14 1527 12
For eight years.
5.040
4.200
96
0.0 12678972
Nine years.
5.040
4.200
108
0.0 1 1536579
decade
5.040
4.200
120
0.0 10626 1 14
Eleven years.
5.040
4.200
132
0.009884309
Twelve years
5.040
4.200
144
0.009268983
Thirteen years
5.040
4.200
156
0.008750934
Fourteen years
5.040
4.200
168
0.008309302
Fifteen years
5.040
4.200
180
0.007928789
4. Can the mortgaged property be transferred or rented?
The mortgagee of the mortgaged property is the loan bank, and the borrower has no right to transfer, buy, sell, lease, donate or remortgage the mortgaged property. The borrower must pay off the loan principal and interest and cancel the mortgage registration before transferring or purchasing the property; Lease or re-mortgage shall be subject to the consent of the mortgagee; At the time of gift or inheritance, the donee or heir shall go through the alteration formalities with relevant legal documents within 30 days after accepting the property, and is willing to continue to perform the repayment obligations.
5. Can the borrower repay the loan in advance?
You can pay off all the loan principal and interest in advance, or you can return part of the loan principal and interest in advance.
Six, how to cancel the mortgage registration after paying off the loan principal and interest?
After the borrower pays off the loan principal and interest at maturity or in advance, the loan relationship with the bank is terminated, and the real estate mortgage relationship is terminated. The loan bank will return the relevant warrants and certificates of mortgaged real estate to the mortgagor within 30 days, and issue a certificate to the mortgagor to go through the mortgage registration cancellation procedures with the registration authority.
7. What conditions and materials are needed for bank mortgage? How much do you have to pay?
I. Conditions:
1. Legal residence status.
2. Have a stable occupation and income.
3. Have the ability to repay the loan principal and interest on schedule.
4. Have a house to buy ... >>
Question 3: What does mortgage mean? Mortgage is to buy a house by installment. For example:
654.38+0 million to buy a house. According to the regulations of the bank, I will pay at least 30% in advance, and then the rest will be repaid in installments according to the period agreed between you and the bank.
But you have to mortgage the house to the bank. In case you can't pay off on time, the house will auction off your house.
Question 4: What does mortgage mean? ! Whether there is a mortgage or not means whether the house is full. Mortgage means that you have a house and a loan, and you need to repay the loan every month. No mortgage means the house has been paid in full.
The word "Mortgage" is a cantonese transliteration of the English word "mortgage", which refers to obtaining bank loans with real assets such as real estate or securities and contracts as collateral, and repaying the principal and interest in installments according to the contract. After the loan is paid off, the bank returns the collateral. Mortgage means that the mortgagee takes the mortgage beneficiary of property right transfer as the repayment guarantee. After the mortgagor pays off the loan, the beneficiary immediately transfers the property rights involved to the mortgagor. In this process, the mortgagor enjoys the right to use the property.
Question 5: What exactly does the so-called mortgage loan mean? What is mortgage loan? It is a personal housing loan business in which buyers use the purchased houses as collateral and real estate enterprises provide phased guarantees.
Mortgage is the transliteration of English "mortgage", which refers to the act that the mortgagor transfers the property right of the property to the mortgage beneficiary (usually refers to the bank that provides the loan), and the mortgage beneficiary immediately transfers the property right involved to the mortgagor after the mortgagor pays off the loan.
Housing mortgage loan is a kind of housing guarantee loan, which refers to the personal housing mortgage loan provided by real estate development enterprises with the purchased house as collateral during the illness period. The popular meaning of "mortgage" refers to the mortgage of loans with pre-purchased commercial housing. It means that the mortgagor transfers the pre-purchased property rights to the mortgage beneficiary (bank) as a repayment guarantee, and after repayment, the mortgage beneficiary transfers the property rights to the mortgagor. Specifically, mortgage loan refers to the loan that the buyer obtains from the bank with the pre-purchased building as collateral, and the buyer pays the bank in installments according to the repayment method and time limit agreed in the mortgage contract; Banks charge interest at a certain rate. If the lender defaults, the bank has the right to take away the house.
People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. 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.
5. The developer's collection account number is 1 copy.
The loan procedures and formalities are:
First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials.
Then accept the bank's review of you and determine the loan amount.
Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.
After the above procedures and formalities, you can get a new house through mortgage.
Through what the reporter said above, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.
Question 6: What does mortgage to buy a house mean? Buying a house is divided into full payment and mortgage payment. Mortgage payment is a certain proportion of down payment (generally at least 30% for second-hand houses and 20% for new houses). Before Sichuan applied for a bank loan, the loan was given to the seller as the house payment after the application. Then you pay the mortgage to the bank on a monthly/annual basis.
Question 7: What does "mortgage" mean? Mortgage is the transliteration of English "mortgage", which refers to the act that the mortgagor transfers the property right of the property to the mortgage beneficiary (usually refers to the bank that provides the loan), and the mortgage beneficiary immediately transfers the property right involved to the mortgagor after the mortgagor pays off the loan.
Personal housing mortgage loan refers to the Sichuan loan issued by the loan bank to the borrower for the purchase of a first-hand house, the house purchased by the borrower as collateral and the staged guarantee provided by the developer. The down payment is not less than 20% of the house price, and the loan period is up to 30 years.
Question 8: What does mortgage mean? What do you mean by installment?
Question 9: What does mortgage mean? What is a mortgage loan?
When the real estate is selling well, mortgage has become a shortcut to buy a house in the hearts of the public, but what is a mortgage loan? How to apply for a mortgage? Maybe many people don't know. The reporter came to the real estate credit department of China Construction Bank to learn about this matter. The so-called mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and real estate enterprises provide phased guarantees.
People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. 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.
5. The developer's collection account number is 1 copy.
The loan procedures and processes are as follows.
First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials.
Then accept the bank's review of you and determine the loan amount.
Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.
After the above procedures and formalities, you can get a new house through mortgage. Through what reporter Ding Shang said, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.
How do buyers handle mortgage loans?
Building mortgage is quite common in the United States, Japan, Singapore, Hong Kong and other places, and has become a widely popular financing method for buying houses in developed countries and regions. In China, mortgage has only been implemented in Shanghai, Peking, Shenzhen and other cities in recent years. The sales performance of real estate that provides mortgage in the real estate market is obviously better than other real estate. Buyers' handling
The specific procedures of house mortgage are as follows:
(1) Select a property
If 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 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) signing 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) 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 is confirming ... >>