Mortgaged houses can be used for housing in two mortgage.
Handle the second mortgage of the mortgaged house.
With the consent of the bank, the buyer and the seller sign a contract or letter of intent;
The buyer and the seller prepare relevant materials;
The Buyer and the Seller shall submit relevant materials;
Bank review;
The bank agreed to the loan. Sign a contract with the borrower and guarantor, and sign a supplementary contract for house mortgage loan with the seller;
The seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller;
The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller;
After obtaining the land and house ownership certificate, the bank will transfer the loan funds to the mortgage loan account and loan principal and interest of the seller at the original loan outlet, and then transfer the remaining funds to the account opened by the seller in the bank;
The borrower repays the loan on schedule.
Second, the second set of housing loans in Dalian
Yes, the loan fee is 3000 yuan, and the repayment is 2%. Dalian, Lushun, Development Zone, Jinzhou and Beisan are all acceptable. The name is telephone.
3. Procedures and procedures for handling Dalian housing portfolio loan?
1. Go to the nearest housing provident fund personal loan handling agency to receive the Approval Form for Repayment of Housing Provident Fund.
2. The Application Form shall be filled in, signed and sealed by the borrower and his spouse, and then go through the relevant formalities at the provident fund loan bank.
3. Information to be provided by the borrower: ID cards and household registration books of both husband and wife of the borrower, and marriage certificate if the borrower and spouse are not in the same household registration book; Loan contract and mortgage contract.
4. Can Dalian mortgage house get a second mortgage? What is the process?
Friends in Dalian, have you considered buying a mortgage house? If this is the case, before buying a house, you should carefully think about whether Dalian mortgage house can handle the second mortgage, and what is the process of Dalian mortgage house in the second mortgage, and then make a decision, otherwise you may regret it impulsively. Here I have collected some contents related to the above for your reference.
Friends in Dalian, have you considered buying a mortgage house? If this is the case, before buying a house, you should carefully think about whether Dalian mortgage house can handle the second mortgage, and what is the process of Dalian mortgage house in the second mortgage, and then make a decision, otherwise you may regret it impulsively. Here I have collected some contents related to the above for your reference.
Can Dalian mortgage house get a second mortgage?
Can a mortgaged house apply for a second mortgage? According to the current situation, we know that the house that is making mortgage repayment can apply for a second mortgage from the bank. When doing two mortgage, you need to pay attention to the following points:
1. In order to apply for the second mortgage, the borrower has obtained the house property certificate;
2. Usually, two mortgage loans can only be handled as mortgage loans in the same bank;
3. The year and area of building construction are within the regional service life meeting the requirements of the second mortgage of the bank;
Usually, the loan interest rate of two mortgages is the same as that of the first mortgage.
Therefore, the house under mortgage repayment can also apply for a second mortgage, but the repayment pressure of the borrower will be greater, so it is very necessary to make a repayment plan in advance.
What is the process of the second mortgage of Dalian mortgage house?
The process of mortgage housing is divided into two mortgage:
1. With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a house purchase contract or letter of intent;
2. Apply for a loan from the bank and submit relevant materials;
3. After the bank conducts a credit investigation and review on the borrower, it shall notify the borrower of the review results. If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a supplementary contract for housing mortgage loan with the seller, and the seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller.
4. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller;
5. After obtaining the property right certificate of land and house, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank.
6. The borrower repays the loan on schedule.
The above is the information I have compiled for you about whether Dalian mortgage house can handle a second mortgage and what is the process of Dalian mortgage house's second mortgage. I hope you can get some inspiration from what I have compiled, and the experience of buying a house can bring you some help. It is also a good choice to buy with two mortgages.