2. Ability to pay the down payment: the down payment ratio of the first-home commercial loan is between 25% and 3%, and the down payment ratio of the first-home provident fund loan is between 2% and 3%. Some provinces and cities have restrictions on the purchase area. The interest rate of buying a house with commercial loans will rise, and the benchmark interest rate will be implemented with provident fund loans.
3. With stable occupation and income, the bank mainly judges according to the debt ratio, bank running water and income certificate. Generally, only when you apply for a commercial loan to buy a house, you need to issue a proof of income, and you don't need to provide a proof of income when you apply for a provident fund loan.
4. Buying a house with a loan requires good credit. Generally speaking, it cannot be overdue for more than 6 times or 3 times in a row in the past two years. In the process of making a house loan, the general lender will check the lender's credit record through the credit information system of the People's Bank of China.
5. In the sales (pre-sale) contract or invoice of the commercial house with the purchased house, the borrower agrees to use the purchased house and its rights and interests as collateral.
6. The property right of the house should be clear, meet the conditions of listing and trading stipulated by the state, and can enter the real estate market for circulation. Generally, mortgage loans cannot be made for two limited houses; Affordable housing needs to look at the purchase time. Some real estate licenses are marked with "management according to affordable housing", and only some banks can handle it.
7. Some people in the real estate * * * recognize its loan and guarantee behavior and are willing to bear relevant legal responsibilities. Therefore, in the notarization and face-to-face signing of the mortgage loan of real estate license, the relevant obligee needs to be present at the scene.
What should I pay attention to when buying a house mortgage
1. Don't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan to pay the house payment, then the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan.
2. Don't prepay the loan within the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.
3. Don't forget to look for the bank around you if you have difficulty repaying the loan. When your debt-paying ability drops during the loan period and you have difficulty in repaying the loan, don't insist on it yourself. ICBC's customers can apply to ICBC for extending the loan term. After investigation by the bank, ICBC will accept your application for extending the loan term if there is no default in repayment of the loan principal and interest.
4. Don't forget the obligation to inform when renting the house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgaged fact in writing.
5. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the real estate transaction core of the district or county where the property is located to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificate of the collateral.
6. Don't lose the loan contract and iou. To apply for a mortgage loan, the loan contract and the iou signed by the bank with you are all important legal documents. As the loan term can be as long as 3 years, as a borrower, you should take good care of your contract and iou.