1. What details should be paid attention to when buying a house loan?

Six details should be paid attention to when buying a house bank loan:

1. When applying for a loan amount, you must act within your ability: Lender You should make a comprehensive judgment based on your own financial strength and current repayment ability. At the same time, make certain predictions about your future income;

2. When applying for a mortgage, you must choose a good loan bank: If the borrower chooses a second-hand house or an existing house, you can choose a loan bank by yourself . When choosing a loan bank, if the service types of the bank are clear and detailed, it is better, because you will get a richer service and product portfolio, and you will also get more personal financial services

. For ordinary citizens, they undoubtedly have more choices;

3. Choose the most suitable repayment method: At present, there are two main repayment methods, one is equal amount Principal repayment method, one is equal installment repayment method. Each of these two repayment methods has its own advantages. For the equal repayment method, the borrower can accurately grasp the monthly repayment amount and plan the household income and expenditure. For the equal principal repayment method, it is suitable for people who have a very strong repayment ability and expect to reduce interest through quick repayment;

4. The information provided to the bank must be true: Personal information Be as specific and authentic as possible, such as true personal occupation, personal position, personal inclusion, etc. If you do not meet certain conditions, do not have sufficient repayment ability, and exaggerate your income level, it is easy for you to default. Once a false certificate is discovered, your credit will be reduced and future loan applications will be affected;

5. Repay on time every month to avoid penalty interest: Be sure to repay on time every month and check the repayment account in advance. Do you have money to avoid being penalized by the bank and affecting your personal credit report?

6. Pay attention to the penalty for early repayment: When applying for early repayment, some banks will charge a certain percentage of penalty for repayment. Loan time requirements apply. Whether it is cost-effective to repay a loan early depends on several comprehensive factors such as loan interest rate fluctuations, personal repayment ability, home purchase needs, and investment capabilities. There is no absolute suitability or unsuitability. It should be noted that each bank has different requirements for early repayment, so it is best to consult the lending bank in advance.

The following six categories of people are not suitable for early repayment:

1. People who apply for provident fund loans;

2. People who have already enjoyed a 25-85% discount ;

3. People whose repayment period of equal principal and interest has passed halfway;

4. People whose repayment period of equal principal and interest has passed 1/3;

5. People who do not have surplus funds;

6. People who have better investment channels.

2. Can I get a loan to buy two houses? What should I pay attention to when buying a house with a loan? If a home buyer wants to buy two houses at the same time, the policy can also apply for purchase. However, the initial price of a second house purchased with a loan is higher. When you take out a loan to buy a second house, you must meet relevant conditions before you can buy a house. So, is it okay to buy two houses?

Buyers can also apply to purchase if they want to meet the policy. However, the down payment for a second house purchased with a loan is relatively high, and the loan interest rate is relatively high. When taking out a loan to buy a second house, the buyer also needs to meet relevant conditions before purchasing the house. So, can I get a loan to buy two houses?

Can I borrow money to buy two houses?

The "Notice on Regulating the Standards for the Identification of Second Houses in Commercial Personal Housing Loans" determines that one person can borrow money to buy two houses at the same time. For those who own a house or have a loan for a second house, they can refinance, but the down payment will be high and the interest rate will be high.

If a home buyer takes a mortgage loan to purchase a commercial house, if the loan is not paid off, according to the policy, the second home policy will be implemented. On May 50, the period of business tax exemption for personal housing transfer starts from the purchase of a house for more than 5 years (including 5 years). next 2 years).

The conditions are as follows

1. The second home is defined as the borrower’s family (including the borrower, spouse and minor children) as a unit to determine the number of housing loans, and has used provident fund loans or commercial loans. Families who buy a house and apply for a mortgage again will be treated as a second home.

2. According to the current relevant regulations, as long as those who apply for personal housing provident fund loans do not have housing loan business in various commercial banks or provident fund centers and meet other housing provident fund loan conditions, they can obtain it. Approval accordingly.

3. Home buyers can buy a second home as long as they do not owe a bank mortgage (whether it is a commercial loan or a provident fund loan). If your suite loan has not been settled, you will not be able to use the provident fund loan.

What should you pay attention to when buying a house with a loan

1. Those with bad records cannot get a loan

If the applicant for a loan fails for some reason, whether intentional or unintentional, as long as the applicant No matter how you apply for a bank, you cannot get a successful loan from the bank;

2. You cannot get a loan for a house without a real estate certificate

It is property, but if you do not apply for a real estate certificate, you cannot get a loan. If you go to the appraisal company to apply for appraisal, the housing management department will not register the mortgage, so the unlicensed house cannot be appraised for loans;

3. The land transfer fee has not been paid

Houses built on such land , because the land transfer fee was not paid, just like the houses on collective land, the housing management department did not handle the mortgage registration, so the loan was not available;

4. Very old houses

Very old houses were built earlier, and some even belong to the dilapidated house series. Banking departments have regulations against lending to such houses and cannot get loans from banks;

5. Houses in the city

The local housing management department of this type of house has frozen the property files and cannot apply for value appraisal. The real estate department will not handle mortgage registration, so it cannot obtain a loan from the bank.

The above is an introduction to related issues about whether it is possible to get a loan to buy two houses and what you need to pay attention to when buying a house with a loan. Under normal circumstances, if the house loan has not been repaid, you can buy it again. A second home is also possible, but the interest rate of the loan is relatively high, and the proportion of down payment required is also relatively high. It is not recommended for home buyers to take out loans to buy two houses at the same time, as the calculated price will not be appropriate.

3. When buying a buyer’s loan, what should the seller pay attention to?

Before the mortgage loan is paid off, the house is mortgaged to the bank. Only when the loan is paid off does the house truly belong to you and can be bought and sold freely. Therefore, if the mortgage loan in the owner's name has not been paid off, the only way to sell the house is to quickly pay off the loan and then relist it for trading.

If you happen to find a customer who can pay in one lump sum when selling a house, or a customer with a low loan ratio that can offset the housing mortgage amount, you can pay off the remaining loan at once and proceed with the sale according to the normal process. .

The specific process is:

Sign a house sales contract, the seller applies to the loan bank for early repayment, and the buyer pays the seller's remaining repayment amount as a down payment.

The seller goes to the lending bank to handle early repayment, deposits sufficient money in the repayment account in advance, and goes to the lending bank to handle the settlement procedures.

The bank's post-loan management center will issue release materials and release the original owner's house. The seller will go to the real estate registration center where the house is located to release the mortgage. The seller has ownership of the house.

The buyer and seller continue to handle the remaining procedures of the house sale.

However, there are two difficulties with this method:

1. If the buyer also relies on a loan to buy a house, and the down payment is not enough to cover the remaining mortgage loan, this transaction cannot be carried out.

2. In recent years, some sellers have used this method to defraud. After the buyer repays the "final payment" on their behalf, the seller regrets not selling or even disappears, causing the buyer to complain endlessly.

Second-hand houses with "unpaid mortgage" have more steps than ordinary second-hand house transactions such as "pay off the loan before selling the house" and "release the mortgage". That is, the original owner of the house must complete the transaction before selling the house. Pay off the mortgage owed to the bank and release the mortgage on the house. When operating in this way, trading risks are greatly increased.

Therefore, both the buyer and the seller of a house with an unpaid loan must pay attention to the risks in the transaction. The buyer must determine the ownership of the house and whether the bank allows early repayment of the loan before buying the house. People pay attention to whether the buyer's down payment is enough to repay the loan, whether the loan time is acceptable, etc.

IV. What should you pay attention to when buying a house with a loan?

The issues you need to pay attention to when buying a house with a mortgage loan include: pay attention to the detailed understanding of the property rights of the house; pay attention to check whether there are quality problems with the house; pay attention to the mortgage loan Agreement on interest and mortgage loan period; pay attention to reviewing and drafting the contract to avoid legal risks when signing the contract; pay attention to the use of supplementary agreements. Legal basis: Article 509 of the Civil Code: The parties shall fully perform their obligations as agreed. The parties shall abide by the principle of good faith and perform obligations such as notification, assistance, and confidentiality in accordance with the nature, purpose and transaction practices of the contract. Article 510 After the contract comes into effect, if the parties have not agreed on quality, price or remuneration, place of performance, etc. or if the agreement is unclear, they may supplement it by agreement; if they cannot reach a supplementary agreement, it shall be determined in accordance with the relevant terms of the contract or transaction practices. Article 599 The seller shall deliver to the buyer relevant documents and materials other than the documents for taking delivery of the subject matter in accordance with the agreement or transaction practices.