Buying a house in private hands, as long as the other party's real estate documents are complete, you can apply for a mortgage loan in the bank. According to Article 6 of the Measures for the Administration of Individual Housing Loans, the borrower shall provide the lender with the following information:

I. Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);

2. Proof of the stable income of the borrower's family;

Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;

Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; 6. Other documents or materials required by the lender. "Measures for the Administration of Individual Housing Loans" Article 16 If the borrower takes the purchased owner-occupied house as the loan collateral, it must take the full value of the house as the loan collateral.

Second, can mortgage housing be loaned?

Yes, but there are many situations. First, real estate mortgage, second, mortgage loan, and third, mortgage refinancing (house price appreciation, repayment of loans for many years). Loan term and proportion of mortgage refinancing: the loan term is generally not more than 20 years. Men are under 60 years old and women are under 55 years old. The actual loan term depends on the specific circumstances; In principle, mortgage-to-mortgage cannot exceed 70% of the assessed price, but some banks can borrow up to 80%.

3. Can the mortgage be changed?

1. change. Second, according to the long-term correlation, the longest is 30 years. During this long repayment period, problems will inevitably arise. What should I do if I encounter problems? After obtaining the consent of the bank, individual housing lenders can make the following changes: First, prepay. If the economy permits, the loan can be terminated in advance, and the bank can apply to the bank one month in advance to handle the prepayment procedures. The second is to change the repayment period. If your repayment ability is enhanced, but it is not enough to change the loan plan at one time, this is also a way of prepayment. After repaying a certain amount of principal in advance, the bank will recalculate the principal and interest according to your repayment ability and default to a longer repayment period, but the longest period still cannot exceed 30 years; The third is to change the borrower. In the case of the unfortunate death or divorce of family members, let others refinance the mortgage loan; The fourth is to change the collateral. Under special circumstances, property buyers can reach an agreement with real estate agents to exchange their previously purchased houses in the same property developed by real estate agents or between different properties, or they can go to the bank to handle the mortgage change procedures, that is, the so-called mortgage exchange bank 135333. Do I need to apply for this extension? Or what procedures are needed? Because you have to bring your ID card, real estate license, bank loan contract, etc. When I go through the formalities now and consult the loan details.

4. Can a mortgaged house be loaned?

At present, housing prices are very high all over the country. When many wage earners buy a house, they will use mortgage loans to buy a house in consideration of economic pressure. The so-called mortgage house is a house purchased through mortgage loan and the loan has not been paid off. Usually, in the process of handling, the bank will review the borrower's information one by one. So many people are asking whether the mortgaged house can be loaned. Next, learn from Bian Xiao!

Can I get a loan for a mortgaged house?

Mortgaged houses can be loaned. At present, many domestic banks support mortgage loans, and with the continuous development of the real estate industry in recent years, many banks have further relaxed the approval of mortgage loans, including the "house-to-house pension" method introduced by many banks such as Agricultural Bank of China and CITIC, which has gradually warmed up, and the amount is as high as 90% of the real estate appraisal value. Therefore, when handling, the "house mortgage" applicant only needs to apply for comprehensive credit from the bank in the form of high mortgage. After the approval is successful, the applicant can use it to meet personal consumption needs without exceeding the validity period and available amount of credit.

What should I pay attention to when buying a house with a loan?

1, apply for a mortgage and do what you can.

Often most people think that the larger the loan amount, the better. In fact, this is not the case, because even if they get the bank mortgage, they still have to pay it back and pay a terrible interest. If the mortgage amount is larger and the term is longer, then the loan interest needs to be paid more.

2. Prepare loan information in advance.

When buying a house with a loan, you should prepare relevant documents in advance. In addition to the basic three certificates, you should also provide bank flow, income certificate and social security certificate. Another point is the credit history of the credit card, which is the true letter. You can't get a loan with a bad reputation.

Bian Xiao's conclusion: The above content is about whether the mortgaged house can be loaned. I hope I can help you. I believe that after satisfying the content, you will know more about buying a house with a loan. If there is a housing loan demand in the future, you can refer to it.