Mortgaged houses cannot be mortgaged by banks for the second time, but we also know that there are companies in every city, and these companies are specialized in these secondary mortgage businesses. How to borrow a house mortgage loan depends on whether the nature of the house meets the conditions of mortgage loan before professional evaluation.
Whether a house mortgaged in Shanghai can be mortgaged depends on the local loan policy. In most areas, mortgaged houses cannot be mortgaged by banks for the second time, but we also know that there are companies in almost every city, and these companies are specialized in these secondary mortgage businesses. How to borrow a house mortgage loan depends on whether the nature of the house meets the conditions of mortgage loan before professional evaluation.
Can a house mortgaged in Shanghai be mortgaged?
You can borrow money from the bank, but the down payment must be made by other mortgage methods, such as if you have a car or something else that can be mortgaged. This suite can't be bought directly. It is impossible to borrow money from the bank for the down payment and the remaining mortgage of this suite. This means that the bank will help you buy this house in full, so the bank will lose money, so it is impossible for you to apply for a down payment loan for this house.
How to borrow a house mortgage loan
1, mortgage loans must first choose a lending institution: the first step in handling mortgage loans is to choose a good lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a problem.
2. Although private lending has many interest rates, it has low audit requirements and fast processing speed. Therefore, choosing the right lending institution is a crucial step in the whole loan process. After selecting an institution, you can submit the materials needed to apply for the institution.
3. Preliminary review: We basically have no problems at this stage. The loan will conduct a preliminary review of the basic materials we submitted before, and the review meets their requirements. Lending institutions in general, especially banks, have to go to designated or recognized evaluation institutions for evaluation, and an evaluation fee will be charged during the evaluation. The fees charged by different families are not necessarily the same, and the fees charged by different regions are also different.
4. Approve the loan signing contract: The lending institution will re-examine the loan according to the previously submitted materials and evaluation report, and will communicate with you about the loan amount, interest rate, term and repayment method. After communication, you can sign the contract. Handle mortgage registration and loan.
Above, I told my friend whether a house mortgaged in Shanghai can be mortgaged. This kind of mortgage loan is basically available everywhere, but the mortgage policy is different. However, most mortgaged houses cannot be directly mortgaged in banks, but through many companies, they can apply for a second mortgage, but the loan amount is not very high. It tells you how to borrow a house mortgage, hoping to help you.
What is the process of buying a house with a loan in Shanghai?
Housing prices in first-tier cities remain high, and many buyers are eager to buy a house. Before this, they need to know the materials and processes needed for housing loans in order to "keep up with the crisis". So, what is the process of Shanghai mortgage? (
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1. Shanghai loan application materials for buying a house:
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Second, the Shanghai loan to buy a house application process
1. property selection: it should be confirmed whether the shopping industry has bank support to ensure the smooth acquisition of mortgage loans.
2. Application for mortgage loan: Fill in the application for mortgage loan.
3. Signing a house purchase contract: After the house buyer meets the mortgage loan conditions, he can sign a pre-sale and sales contract with the developer or his agent.
4. Sign a building mortgage contract: sign a building mortgage loan contract with developers and banks, and stipulate the rights and obligations such as loan amount, term, expected annualized interest rate and repayment method.
5. Mortgage registration and insurance: Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the amount shall not be less than the total value of the collateral.
6. Opening a special repayment account: open a special repayment account in a financial institution designated by the bank, and sign a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.
What are the first home loan policies in Shanghai?
Nowadays, when people are rich, the first thing they think of is to buy a house they like. However, for a prosperous city like Shanghai, it may take many years to buy it just by salary. So in order to solve this problem, Shanghai introduced the first home loan policy, which is a good opportunity for many people. What are the first home loan policies in Shanghai? Let's have a look.
What are the first home loan policies in Shanghai?
Shanghai's first home loan enjoys preferential policies for mortgage interest rates. Of course, many people may not be very clear about the definition of the first house. It is necessary to meet the requirements that the buyer is over 18 years old and the house he bought is an ordinary house below 90 square meters. There is no house purchased by the buyer alone or jointly with others. As long as these conditions are met, he can enjoy the first home loan policy.
What is the down payment ratio for buying a house in Shanghai?
For residents who purchase the first home, if the loan is mainly commercial, the down payment ratio shall not be less than 30%; Of course, due to the improvement of economic conditions, many people will choose to buy a second suite when they have money. The so-called second suite refers to people who have no housing in Shanghai but have commercial housing loan records or provident fund housing loan records, and have 1 apartment in Shanghai. The down payment ratio of the second suite shall not be less than 50%.
How much is the deed tax for the first suite in Shanghai?
Relevant data show that the deed tax is paid according to 1% for the purchase of houses with a building area of less than 90 square meters in Shanghai, and it is levied according to 1.5% before the building area of 90 square meters reaches 144 square meters, and 3% for the building area 144 square meters. In addition, the preferential deed tax for the first suite in Shanghai means that if a certificate can be issued, it means that it is the first time to purchase a house.
What is the standard for determining the first suite in Shanghai?
1. The house bought with the loan has been paid off. At this time, I want to borrow money to buy a house, which is the first suite; As long as you can't find the property in the housing registration system, you can find the loan record in the bank credit information system, and then borrow money to buy a house as the first suite; I bought a suite in full, and the loan to buy a house was the first suite.
2. If you buy a suite in full and sell it later, the relevant system can't find the existence of the property. At this time, you can borrow money to buy a house and count it as the first suite; At the same time, there are commercial loan records of two suites under the personal name, which have all been paid off and sold, and two sets of housing sales certificates can be provided at the same time. In this case, when refinancing, the first suite is counted.
Summary: Well, that is the introduction of the first home loan policy in Shanghai. I hope I can give you some help. I believe that in the process of Shanghai's first home loan policy, friends will feel more at ease and get their own satisfactory answers.
How to apply for mortgage loan in Shanghai? What are the processes to take?
1. Apply for mortgage loan.
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
2. Sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
3. Sign a house mortgage contract.
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and stipulates the rights and obligations such as the amount, term, expected annualized interest rate and repayment method of the mortgage loan.
4. Apply for mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
5. Open a special repayment account.
After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract.
How to handle the real estate mortgage loan of Shanghai Bank?
First, the object of Shanghai Bank's real estate mortgage loan:
1, 18 years old or above, China citizens or Hong Kong, Macao and Taiwan residents with full capacity for civil conduct;
2. Foreign individuals who have worked in China for more than one year and have local real estate in China.
Two. Conditions of Shanghai Bank's real estate mortgage loan:
1, with stable economic income (the working time is required to be more than one year, and the existing work is required to be continuous for more than one year when applying for a loan);
2. Agree to handle personal credit information and housing mortgage loans, and Shanghai Bank agrees to handle notarization of relevant transaction contracts and loan contracts when it deems it necessary;
3. Other conditions stipulated by the Shanghai Bank loan handling bank.
Three. Materials to be submitted for Shanghai Bank's real estate mortgage loan:
1, ID card, household registration book/household registration certificate and marital status certificate;
2, proof of income, income substitutes, proof of assets, etc. ;
3. House pre-sale (sales) contract and prepayment invoice (prepayment receipt);
4, the transaction of housing property certificate and a copy of the household registration book, mortgage housing property certificate;
5. Application materials deemed necessary by other banks.
Extended data
Loan process
1. The borrower shall fill in the Application for Mortgage of Residential Houses before the loan, and submit the following supporting materials to the bank:
(1) The borrower's fixed income certificate issued by the borrower's unit;
(2) Credit certification documents such as business license and legal person certificate of the loan guarantor;
(3) The legal and valid identity certificate of the borrower;
(four) the relevant proof of the ownership of the house or the proof that I enjoy the right to control the house according to law;
(5) Appraisal report, appraisal report and insurance documents of the mortgaged property; Contracts, agreements or other supporting documents for the purchase and construction of houses;
(6) Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6 loan settlement, including normal settlement and early settlement.
(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.