1. Do you need a loan to buy a house?

If the economic conditions are strong, you don’t need a loan. If the economic conditions are not very good, you will need a loan.

2. How many personal loans are there for buying a house? kind? What are the requirements for a personal loan? Many young people will start to consider buying a house after working for a few years. If you are a friend who is not yet married, your financial ability is limited when buying a house. If you will choose to purchase a home loan, if you have no experience, you need to understand in advance that there are several personal loans to purchase a home. What are the conditions for a personal loan?

There are several types of personal loans for buying a house

1. If the housing subsidy fund has been paid, the first choice for a personal loan should be a low-interest loan from the housing subsidy fund when purchasing the loan. The interest rates for personal loans and housing provident funds are very low, not only lower than the low interest rates of commercial banks during the same period, but also far lower than the deposit interest rates of commercial banks. Meanwhile, a Housing Subsidy Fund loan cuts mortgage and insurance costs in half.

2. People who have not paid housing subsidy funds can apply to commercial banks for guaranteed personal housing loans, that is, bank mortgage loans. As long as the loan balance of the bank loan is not less than 30% of the amount required to purchase the house, and the house is purchased as a down payment, and the bank loan of the asset is approved as collateral, or the corresponding driver or guarantor is able to pay the loan payment and interest And bear joint liability, people can apply for bank mortgage.

3. The housing provident fund management can provide personal loan provident funds, with the limit generally ranging from 100,000 to 290,000 yuan. For those who need to apply for commercial loans, if the purchase price exceeds this limit, the bank will not be enough. These two types of loans are collectively known as consolidation loans. This business can be managed by the bank's real estate credit department. Consolidation loans have relatively mild interest rates and relatively larger loan amounts, so lenders use them more.

What are the conditions for a personal loan?

1. Provide the original and copy of the applicant’s ID card and account books, and also need to issue the relevant fiancée certificate, the original purchase agreement, 30% of the original price or the original above-mentioned advance payment receipt and copy 1 , Proof of the applicant's family income and related assets, including salary slips, personal income tax returns, income certificates issued by the unit, bank deposit certificates, etc., and a copy of the developer's collection account.

2. You must first go to the bank to understand the relevant situation and ask for relevant information to apply for a personal loan. Relevant personnel also need to conduct bank review and determine the loan amount before they can apply for a loan contract, and the bank can also apply for insurance.

3. Relevant personnel must also request the registration of mortgage and notarized certificates, and the rest are bank loans, borrowers’ monthly payments and cancellation records after payment of principal and interest.

The above is about the introduction of several personal loans and the introduction of personal loans to buy houses. Many people may also have bought a house in their lifetime and so have no experience in buying a house. There are many precautions and details that others will inquire about, but it can vary from place to place because of the people involved, and there are things to be aware of when dealing with a personal loan.

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3. Do I need to pay a guarantee fee to the intermediary for a house purchase loan?

In fact, home buyers pay this deposit through provident funds. Of course, the amount paid varies depending on the specific circumstances. Generally, banks will require proof of guarantee from the borrower or other economic organization or natural person based on the borrower's credit record. If the borrower can find a friend or relative who is willing to provide guarantee and has financial strength, they can provide a letter of certification for the bank. If not, you need to go to a professional guarantee company. The fee they pay for borrowing money is the mortgage guarantee fee. At the same time, different loan times, loan amounts, and guarantee rates are different. In addition, personal repayment ability must be considered. You do not need to pay a guarantee fee to an intermediary for a home purchase loan, but you do need to pay a loan processing fee. The intermediary itself does not provide guarantee, so there is no guarantee fee. The guarantee fee is not handed over to the intermediary. The intermediary cannot directly help the customer to apply for the guarantee company for the bank loan, and the guarantee company charges a fee.

However, guarantee companies do not collect customer guarantee fees as their main source of profit. Their main income is bank rebates for each successful loan, up to three-thirds. Therefore, when most intermediaries introduce more customers to borrow from their own company, most of the service fees they collect will be returned to the intermediary company in the form of commissions.

The above content is for you only. Thank you for your support of Shangban.com and wish you a happy home purchase!