Housing replacement loan refers to the loan issued to natural person customers who have purchased commercial housing in full and obtained the ownership certificate for less than 2 years, and paid off the debts arising from the purchase. If the applicant purchases a first-hand house, the total loan amount shall be subject to the original deed tax bill when the real estate license is issued; If it is a second-hand house, the transaction price and evaluation price shall prevail, whichever is the lowest. Under normal circumstances, the maximum loan ratio is 70%, the longest loan period is 30 years, and the loan interest rate is the same as that of ordinary individual housing loans.
The housing replacement loan process is as follows:
1. Apply to the handling bank for personal housing loan replacement;
2. The bank conducts investigation and approval;
3. Sign a loan contract and handle mortgage registration;
4. issue loans;
5. Repay the loan principal and interest;
6. Go through the loan settlement procedures.
How to operate the house replacement?
1, find an alternative platform.
There are many housing replacement platforms now. Before changing rooms, find a room-changing platform and hang up the house you don't like.
2. Consulting and sales
At present, there is no legal norm of replacement in China, which can only be carried out by selling and buying. Therefore, after finding the replacement platform, we must first fill out a registration form for house sale through consultation according to the current house price.
3. Demand registration
We should make clear the location, apartment type and affordable price of the house we need, and then go to the other party in need. Of course, it needs to be published through the platform, so don't be modest and cautious, fill in according to your own needs and wait for the best match.
4. Professional evaluation
The price of any replacement house is not equal, unless it is negotiated under mutual understanding and accommodation. However, it has not yet reached any stage. The platform or itself must estimate its own house price and determine its own psychological price through the measurement and appraisal of relevant institutions.
5. On-site house inspection
The platform only provides you with relevant information, whether it is suitable or not, and you need to experience it. Therefore, the experience of the house after the expression of replacement intention is very important, otherwise the replacement house is not as good as the house you bought, and it is meaningless.
Step 6 register for payment
If it's interesting to replace each other, the next step is to sign a contract. In the meantime, necessary expenses are indispensable. Buying a house now is a big deal, and no one wants to be without legal punishment. After the formalities are completed, the replacement of each room can be delivered smoothly.