Buying a house is a major event in life, but many people don't buy a house because of the bad economy. In recent years, banks have launched loans to buy houses. So, how to buy a house with a loan? Let me introduce the loan knowledge that the owner must know.
How to borrow money to buy a house?
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:
The borrower's fixed income certificate issued by the borrower's unit;
Credit certification documents such as business license and legal person certificate of the loan guarantor;
Legal and valid identity certificate of the borrower;
The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law;
Appraisal report, appraisal report and insurance documents of mortgaged real estate;
Contracts, agreements or other supporting documents for the purchase and construction of houses;
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 maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.
The above is the specific process of how to borrow money to buy a house. Now all the owners are clear. I remind you, you must prepare the materials before the loan, and all the materials must be prepared.
What does it mean that the mortgage is 654.38+0.2 million, and the bank loan is repaid by the owner?
To put it bluntly, it has been using real estate as collateral to borrow 6.5438+0.2 million yuan from the bank. If you want to buy real estate, you don't have to bear the bank debt, but you can't complete the transfer formalities until the original owner pays off the bank debt.
Article 406 of the Civil Code stipulates that during the mortgage period, the mortgagor may transfer the mortgaged property. Unless otherwise agreed by the parties, such agreement shall prevail. If the mortgaged property is transferred, the mortgage right will not be affected.
This means that during the mortgage period, the property can be transferred as an asset, but to distinguish whether the mortgage is transferred, there is a distinction between customer compensation and owner's own repayment.
Customer compensation means that when buying real estate, it also inherits the mortgage debt of the original property owner, but the property owner does not inherit the mortgage debt when returning. For example, if you buy a house for10.5 million, and mortgage the loan at the bank for10.2 million, you can directly return the remaining10.2 million to the bank only by giving 300,000 to the original owner. After the mortgage is cancelled, the owner will return 1.5 million yuan to the original owner to repay the mortgage loan 1.20 yuan.
According to Article 191 of the Property Law, during the mortgage period, if the mortgagor transfers the mortgaged property with the consent of the mortgagee, he shall pay off the debt to the mortgagee in advance or deposit the proceeds from the transfer. The part of the transfer price exceeding the amount of creditor's rights belongs to the mortgagor, and the insufficient part is paid off by the debtor. During the mortgage period, the mortgagor shall not transfer the mortgaged property without the consent of the mortgagee, except that the transferee pays off the debts and extinguishes the mortgage on his behalf.
As a mortgaged asset, because it involves debt repayment, the change of ownership needs the consent of the bank, so that the bank can know who to ask for the account. If it is the compensation of the customer, a new debt agreement needs to be signed with the bank. If it is the owner's own repayment, it is necessary to urge the original owner to pay off the mortgage loan and cancel the mortgage property of the property with the knowledge of the bank. Because mortgage is exclusive and priority based on the property of security interest, the effectiveness of recourse of mortgage will not be affected by the transfer of collateral.
What is the owner loan? Is it useful?
Car owner loan is an exclusive loan product for car owners of China Post's consumer finance. Life is a little difficult this year, so I applied for a landlord loan on the China Post Wallet APP of China Post Consumer Finance, which eased the pressure on living funds, otherwise I really don't know what to do. This loan product can be applied online, which is very convenient and formal. The amount you can apply for is between1000-200,000 yuan. The actual amount depends on your personal situation. You can apply for a try if necessary.
Owner's loan is a credit loan product launched by China Post Consumer Finance, which is quite good. To apply for an owner's loan, you must meet the application conditions of the owner's loan, that is, you are 20 years old (inclusive) -50 years old (inclusive), have a stable source of income, have a good credit, and have an outstanding mortgage with normal repayment. It should be noted that the information to be provided when applying for the owner's loan includes the monthly repayment of the mortgage.
Does the owner of China Post Consumer Finance lend money? Easy to use! The applicable amount is 1000 yuan-200,000 yuan, and the annualized interest rate pricing range is 7.2%-23.76% (simple interest method). You can try it if necessary. It's convenient for me to use it myself. To apply, you need to have an outstanding normal mortgage. However, self-built houses or commercial houses with settled mortgages cannot apply for owner loans at present.
How much is the owner's credit loan
The personal credit loan amount is generally between 654.38+0,000-500,000. Different lending institutions will have differences in the setting of loan quotas. In addition, different lenders will get different loan amounts because of their different qualifications. The key is to look at the platform audit results.
If you want to get a higher personal credit loan, you can start with the following points:
1, keep a good credit record.
2. Raise the income level.
3. Reduce the debt ratio.
4. Don't keep it for too long.
5. Keep a certain frequency of borrowing and make good use of borrowing.
If the platform thinks that the comprehensive qualification of customers is not bad, it may increase the credit line. Of course, if the credit limit has not been improved for the time being, don't worry too much, just wait patiently for the system audit.
After the credit loan is successfully used, it should also be repaid in time according to the agreement. Once loans overdue, the credit report will leave a record of non-performing loans, and the platform will charge a penalty interest. The longer the overdue period, the more penalty interest will be generated, and the greater the impact will be.