Generally, this kind of loan has the longest term of 10 year and the interest rate rises 10%.
Need to provide a reasonable loan use (at present, this kind of loan has banned buying a house, that is, as you told the bank now, the loan for buying a house is not approved by the bank)
Loans generally need to submit materials: real estate license (generally rural property rights and collective land are not handled, it is best to use commercial housing), ID card, household registration book, proof of marital status, income certificate, proof of use, and other materials that banks need to submit. If they are agents, property owners and their spouses need a fair power of attorney.
After the bank submits the materials face to face, it examines and approves the submitted materials, goes through the formalities of mortgage registration, and then lends the money to the account designated by the user. So, you need to find a credible user who can give you money then.
Another reminder, it is best to have an agreement with relatives and friends. In order to avoid future troubles!
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Supplementary answer: According to your supplement, it seems quite difficult for you to use this method.
First: you are familiar with the people in the bank, and these materials are also needed. If you are only familiar with it, the other party will teach you how to package it and make your qualifications better. For example, what kind of company to start with the income certificate and what to pay attention to after opening it, so that it is easier to get a loan. But if you can't submit these materials, you can't handle them, no matter how familiar you are.
Second: this house is either your name or it has nothing to do with you. If you take your own information, the bank will not handle it at all, and you can only take the information of your loved ones. Now that your relatives have retired and passed the loan age, it is estimated that it is impossible to get a loan.
So this way is basically impossible for you.
If you only have this house to get funds, you can apply for a loan with your qualifications. You can only buy this house by applying for a second-hand housing loan, so that the bank will lend you the money and pay it to your relatives' accounts. Then you can borrow money from your relatives. In this way, if you are the first house, the interest rate will drop by 15%, which is equivalent to a 15% discount in the previous way. Of course, it is also difficult to do so.
First, banks generally do not give loans to second-hand housing transactions between relatives for fear of fraudulent loans.
Second: you need to transfer the property. Needless to say, you need to pay taxes here. I guess it's enough for you to discuss it with your relatives. The house has become your name, and you haven't paid yet. Besides, you have to lend you the money from the loan. How to negotiate is definitely a big problem, and it is too risky for your relatives. There is also how to determine the ownership of these properties in the future. It will be more troublesome to go back and need a tax.
Third: whether the house you want to buy is prepared for full payment or loan needs comprehensive consideration. If you also need a loan, the loan for the house you need to buy belongs to two sets. Now the down payment is 60%, and the interest rate will go up 10%. Besides, according to the current purchase restriction, can I buy two suites? Need confirmation.
About proof of income: Generally speaking, opening a shop by yourself means that you are a legal person? Then, if the income certificate you provide belongs to your own company, you still need the two forms for your store's tax return (it seems to be called profit and loss data table and cost income and expenditure table, and you can find an accountant to reflect the company's operation), so it will be more troublesome to review the company loan for small enterprises.
That's basically all, you weigh it! You can't buy a house without enough money. It is not recommended to spend too much money on it. Although the house price has risen sharply now, especially if you open your own shop, it is not recommended to buy a house without liquidity at all, and the loan needs income as a guarantee (monthly payment should be considered). If income becomes a problem, you will be in trouble if you can't get a loan. So in the end, I suggest you be cautious!