When buying a second-hand house with a loan, the purchaser needs to provide the collateral evaluation report issued by the evaluation agency, and the evaluation value will affect the maximum loan amount; Property buyers do not evaluate loans to buy new houses.
First, how to evaluate the provident fund loan to buy a house?
When buying a house with a provident fund loan, the housing provident fund management center will only issue the loan and complete the loan application after going through the process of "review-online signing-evaluation-preliminary examination/face-to-face signing-loan contract-tax payment-transfer" (the state-managed provident fund implements the "one-step" process).
1. Process and restrictions:
(1) municipal provident fund loan:
The appraisal institution shall issue a mortgage price appraisal report within 2 working days after receiving the appraisal application from the loan applicant.
(2) provident fund loans managed by the state:
Check the house about 5-7 working days after receiving the property ownership certificate, copies of the ID cards of the buyer and the seller, the online signing contract signed by the buyer and the online signing information form, make an evaluation report within 5-7 working days after the house inspection, and return the evaluation report (at present, the time limit is different according to the acceptance situation of different business outlets).
2. Evaluate the charging standard:
After 2065438+September 30, 2006, the highest standard of appraisal fee for second-hand houses was lowered from 1500 yuan/copy to 600 yuan/copy, and the borrower had to charge for changing the appraisal report, and the fee was 100 yuan/copy.
3. Optional evaluation company:
(1) municipal provident fund loan:
The depositor can choose the following six appraisal companies to apply for second-hand housing appraisal, or apply for second-hand housing appraisal from the appraisal companies of Beijing Housing Provident Fund Management Center, Housing Provident Fund Loan Center and 10 Outer Suburb Management Department.
When applying for a city provident fund loan, it shall be assessed by an assessment agency recognized by the management center.
(2) provident fund loans managed by the state:
The fund center does not designate an evaluation institution, and the loan applicant can choose an evaluation institution recognized by the loan handling bank in combination with factors such as handling efficiency and charging level.
Second, how to evaluate buying a house with a commercial loan?
When buyers buy houses through commercial loans, they need to go through the process of "review-online signing-evaluation-face-to-face signing-tax payment-transfer" before commercial banks can lend money and complete loan applications.
(1) Process and time limit:
Prepare photocopies of real estate license and ID cards of buyers and sellers for evaluation, arrange house inspection within one working day after the appraisal company accepts it, and issue an evaluation report within three working days after the house inspection.
(2) Evaluation charging standard:
600 yuan/time, if the borrower applies for a commercial loan, it can replace the evaluation report once for free, and the fee for the second replacement is 100 yuan/time.
(3) Optional evaluation company:
When evaluating commercial loans to buy a house, it is generally necessary to choose an evaluation agency that cooperates with banks.
Third, how to evaluate the portfolio loan to buy a house?
Buyers who apply for municipal portfolio loans to purchase houses need to be interviewed/reviewed first and then evaluated; To apply for a portfolio loan managed by the state, it needs to be evaluated first, and then signed/examined in person.
(1) Restrictions and procedures:
City provident fund loans:
The appraisal institution shall issue a mortgage price appraisal report within 2 working days after receiving the appraisal application from the loan applicant.
State-managed provident fund loans:
Check the house about 5-7 working days after receiving the property ownership certificate, copies of the ID cards of the buyer and the seller, the online signing contract signed by the buyer and the online signing information form, make an evaluation report within 5-7 working days after the house inspection, and return the evaluation report (at present, the time limit is different according to the acceptance situation of different business outlets).
(2) Evaluation charging standard:
600 yuan/time
(3) Optional evaluation company:
Municipal portfolio loan:
It is necessary to select 6 appraisal companies approved by the municipal provident fund loan.
Portfolio loans managed by the state:
Select the appraisal company and the handling bank recognized by it for appraisal.
Note: When taking photos for evaluation, each house must have a set of photos, which cannot be replaced. In addition, the evaluation report can only be issued once, and cannot be issued repeatedly.
Source: Beijing Housing Provident Fund Management Center, Housing Fund Management Center of Central State Organs.
This content is only applicable to Beijing.
How to calculate the appraisal fee for second-hand housing loans?
Buying a second-hand house by mortgage loan will involve evaluation fee, mortgage registration fee, contract notarization fee, guarantee service fee and so on. Then, how to calculate the second-hand housing loan evaluation fee? How to transfer the mortgaged second-hand house? Let's take a look with Bian Xiao.
First, how to calculate the appraisal fee for second-hand housing loans?
1. If the house price is less than one million, including one million, it will be charged at 0.42% of the total appraisal price. From one million to five million, including five million, the progressive billing rate is 0.3%.
0. 12% of the total evaluation price will be charged from 25 million to 20 million. 20 million to 50 million, including 50 million, accounting for 0.06% of the total appraisal price. 0.0 12% of the total evaluation price will be charged if it exceeds 50 million yuan.
Second, how to transfer the mortgaged second-hand house
1. There are two ways to mortgage second-hand houses. The first is that the buyer pays off the loan in one lump sum and terminates the loan contract. Then go through the mortgage cancellation procedures, so that there are no other rights obstacles in the house. Finally, the second-hand housing owners and buyers handle the transfer procedures. However, there are certain risks in this way, and buyers need to be cautious.
2. Another way is to refinance the mortgage loan to buy a second-hand house, that is, the property buyers can apply to the bank for mortgage to buy a house, so that they can refinance the mortgage to the seller's original mortgage bank or other banks. After the two parties sign the contract, the buyers submit relevant materials to the bank and apply for remortgage. Finally, both parties go through the formalities of loan repayment and transfer.
3. Both parties and the authorized person of * * * fill in the application approval form, and then the buyer and the seller sign the creditor's rights transfer agreement. The buyer needs to have full capacity for civil conduct, proof of income, legal identity card, and repayment ability and willingness. The monthly income needs to be three times that of the monthly payment.
Editor's summary: how to calculate the evaluation fee for second-hand housing loans? How to transfer the second-hand house with mortgage? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.
Is the second-hand housing loan based on the transaction price or the evaluation price?
Calculated at the appraised price.
Borrower's requirements
Second-hand housing loans are determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors. Specifically, there are several points:
(1) Male's actual age plus loan period is less than 65 years old, female's actual age plus loan period is less than 60 years old, China nationality, unlimited household registration, no criminal or non-performing loan record, and stable income;
(2)/kloc-permanent residence of urban residents aged 0/8 with full capacity for civil conduct or legal and valid identity documents;
(3) If there is a second-hand house sales contract, pay a down payment;
(4) have a stable occupation and legal income, good credit, and the ability to repay the principal and interest on schedule;
(5) When applying for a loan, the purchaser has its own funds not less than 20% of the purchase price;
(6) When the borrower agrees to use the purchased house and its rights and interests as collateral, or the borrower fails to provide the mortgaged (pledged) things in full, a unit or individual recognized by the lender and meeting the specified conditions and having sufficient compensatory capacity will serve as the guarantor to repay the principal and interest of the loan and bear joint liability;
(7) The purchased second-hand houses have clear property rights and meet the requirements for Shanghai to enter the real estate market;
(8) The purchased house is not within the scope of the announcement;
(9) The price of the purchased house basically conforms to the appraisal price of the lender or its designated real estate appraisal agency;
(10) Other conditions required by the lending bank;
deadline
Generally within 20 years, and the maturity date of the loan cannot exceed the borrower's 65 years of age in principle. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.
Demand for second-hand houses
(1) The following housing types can apply for second-hand housing loans: commercial housing, affordable housing, housing reform housing, central production housing that can be listed, office buildings, shops and apartments.
(2) Time requirement for house completion: houses completed after 1993 are not within the scope, and there are no signs or debts.
(3) Completion time and loan amount: 80% of the highest loanable appraisal price of commercial housing with completion time within five years; 70% of the highest loanable appraisal price of commercial housing from 2000 to 2003; 60% of the highest loanable appraisal price of commercial housing from 1993 to 1999; On this basis, the cost price of selling houses is reduced by10% respectively; 50% of the highest loanable appraisal price of office buildings, shops and apartments. (The specific loanable amount varies from bank to bank)
(4) The borrower who buys a second-hand house must use the second-hand house as collateral for the borrower to issue a house purchase loan, otherwise the loan will not be granted.
Extended data:
Second-hand housing loans still have different classification standards, which can be divided into different varieties. According to the current situation, there are mainly:
1, according to the type of house, it can be divided into second-hand existing home mortgage loan and second-hand forward housing loan;
2, according to the nature of housing property rights, can be divided into second-hand commercial housing loans and second-hand housing reform housing, affordable housing loans;
3. According to whether it is necessary to pay down payment, it can be divided into zero down payment second-hand housing mortgage loans (that is, buyers do not have to pay down payment, but apply for loans with all existing properties and newly purchased houses as collateral) and down payment second-hand housing mortgage loans.
In addition, there are some derivatives of second-hand housing loans: "mortgage" (that is, the variety of housing sold together with mortgage loans) and "additional mortgage" (that is, the borrower who has already handled housing loan business in the bank, after repaying the principal and interest for a period of time, uses the collateral of the original loan as collateral, and then applies to the bank for additional loan varieties).
sign a contract
1. Sign the second-hand housing transaction contract of Housing Authority. The sample contract is as follows
2. When signing a contract, read the terms of the contract carefully, and pay attention to filling other agreements of both parties into the additional terms of the contract.
3. This contract is a legal document, and it will come into effect as of the date of signing. Both parties to the contract shall strictly perform the contract. In the independent transaction, we should think twice before you act, and carefully sign the second-hand housing transaction contract.
Payment type/method
1. Both buyers and sellers have certain risks in payment, because the transaction transfer time of the Housing Authority is relatively long. If the buyer pays the house price to the seller before the transaction transfer is completed, if the transaction transfer fails, it may cause economy, and if the buyer pays the house price after the transaction transfer, it may be unacceptable to the seller. It is suggested that both parties handle fund custody in the bank to prevent economic accidents.
2. Those who apply for second-hand housing mortgage have their own fund custody service.
Insurance notarization
1. Customers who apply for second-hand housing mortgage should go to the insurance company designated by the loan bank for insurance.
2. Customers who apply for second-hand housing mortgage should go to the notary office designated by the loan bank for notarization.