Mortgage loans have monthly income requirements. The general unit provides a certificate that you can take a vacation, so that your normal life will not be affected. Moreover, the interest rate and down payment ratio also depend on how many houses your family has and whether individuals have loan records. There are still some formalities you have to go to the bank.

2. What are the requirements for second-hand housing mortgage loans in Changsha?

Second-hand housing provident fund loan conditions and procedures

Second-hand housing provident fund loan application conditions

1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.

2. With the approval of the Center, employees in the deferred state can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive).

3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.

4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.

Second-hand housing provident fund loan process

1. Provide the information of buyers and sellers, fill in the standard application form of management center, submit the evaluation and pay the evaluation fee.

2 data submitted to the management center for examination and approval, preliminary examination.

3. After passing the preliminary examination, inform the customer to go to the management center for an interview and the management center will review it.

4. After approval, sign a guarantee contract in the provident fund management center and pay the guarantee fee.

5. After the loan is approved, notify the buyer and the seller of the transfer.

6. Apply for mortgage registration after getting the new house. See the mortgage registration acceptance form of the management center for the loan.

Information required for second-hand housing provident fund loan

Buyer: ID card, household registration book, marriage certificate, education certificate, professional title certificate, provident fund statement, temporary residence permit for foreign household registration. Seller: ID card, household registration book, marriage certificate and house book of both husband and wife: appraisal fee, guarantee fee and loan service fee.

3. What are the conditions for the first suite in Changsha to buy a second suite?

First, I bought an apartment.

The purchase restriction policy in most cities is only aimed at the sale of commercial housing, and commercial housing, such as apartments with 40-year property rights, is not within the scope of regulation. If you have already bought a suite, but this house is an apartment, and you want to buy another commercial house with 70-year property rights, you can buy another commercial house without being affected by the restricted loan policy.

However, if you apply for a loan when buying the first suite, the house you are about to buy may not enjoy the preferential loan policy for the first suite, although it is not limited by the loan.

Second, there is a house in the field but no mortgage.

There is a house in the name of the buyer, but the house is not a local property, and there is no mortgage in the name of the buyer. Then if the buyer buys a house locally, the house is also the first suite and enjoys the first set of down payment preferential policies.

Third, minor children buy houses independently when they are adults.

Housing and loans are recognized as family units, and adult children buying houses in their own names are not subject to this restriction. If you have a suite with your parents when you are a minor and only one suite for the whole family, you want to buy another suite as a wedding room when you are an adult. If you name it from the real estate license of the original family house, the wedding room you bought is the first suite. If it is not renamed, the house will be identified as the second suite.

Four, the relocation of housing is not in the real estate trading center for the record.

Some property buyers have signed the demolition contract because their houses are being demolished, but they have not filed in the real estate trading center and want to buy a house to live as a transitional house. Although the relocated house is also within the scope of purchase restriction, it is still the first suite to buy a house without online signing. Once you sign online, even if you don't handle the transfer and don't get the real estate license, you will be restricted from buying.

4. What are the requirements for second-hand housing mortgage loans in Changsha?

Look at your personal conditions, such as credit reporting and repayment ability.