First, the information needed when buying a house loan:
According to the difference between first-hand houses and second-hand houses, the details are as follows:
1, first-hand housing mortgage loan
If you buy a newly developed new house, you need to use the newly bought property as collateral and apply for a mortgage loan for the lender yourself.
Loan procedures need: identity certificate, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, guarantee certificate of guarantee company, etc.
2. Second-hand housing mortgage loan
If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan from the lender.
Loan procedures need: identity certificates of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, appraisal report, income certificate of the buyer's husband and wife, proof of no house, etc.
Second, the housing loan requirements:
This needs to be determined according to personal qualifications. Buy a first-hand housing loan or a second-hand housing loan, a commercial loan or a provident fund loan? The loan amount for first-hand houses is 70% of the property value, and that for second-hand houses is about 50%. In other words, the first-hand housing loan down payment needs at least 30%, the second-hand housing down payment needs more than 50%, and some banks need about 60%. The interest rate of commercial loans to buy a house is 6.9% for less than five years and 7.05% for more than five years. The interest rate of housing provident fund loans for more than five years is 4.9%.
Third, the housing loan problem:
There are many reasons why the mortgage can't be done, so in practice, different situations have different treatments. When trying a contract dispute, the court will generally give priority to the agreement in the contract. Therefore, it is an important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved. If there is no agreement or the agreement is unclear, it should be handled according to the following principles:
1. developer's reason: if a developer sells a house that is not qualified for sale, that is, if the developer fails to obtain a pre-sale permit or sells an existing house that is not qualified for use, the bank will not grant a loan when reviewing this situation. At this point, the buyer can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.
2. Reasons for the buyer: If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not approve the loan, and the buyer will be liable for breach of contract.
3. Non-seller's reasons: If the government policies or bank regulations change and the loan that the buyer should get cannot be realized, the buyer should negotiate with the developer. If negotiation fails, there is no agreement in the contract. Property buyers can sue to prove that they are not at fault and are really unable to buy a house, and ask the developer to repay the down payment and deposit.
Therefore, it is easy to get housing loans. The key is that you should prepare complete information and understand the legal knowledge contained in it. Familiar with the process of housing loan, handle it freely.