Can I borrow money to buy a second-hand house without an intermediary? Of course. However, the loan procedure is complicated and takes a long time, which takes at least 55 working days. Now the general mortgage is handled by the intermediary. Just hand over the relevant procedures, and it may take longer for individuals.
In fact, it's not as complicated as I thought. There are many financial guarantee companies around the general housing authority. They cooperate directly with banks and can apply for mortgage loans directly. The loan service fee is also very low. Most small intermediaries are also looking for such a guarantee company.
You can buy a second-hand house without an intermediary, but if you don't trust the transaction object or worry about risks, it is a relatively safe plan to go through an intermediary. In addition, if you sign a brokerage contract with an intermediary, it is best not to trade privately. This is a question of honesty, and people have also paid their own labor.
Can I go to the bank to buy a second-hand house and pay the mortgage? Let the intermediary company cancel the second-hand housing mortgage loan they represent, which requires the landlord to show his ID card and real estate license. In order to avoid unnecessary, it is suggested to choose an intermediary company trusted by both parties as its guarantee.
Second-hand housing can be loaned. Second-hand housing can be loaned. Second-hand houses are basically individuals who can apply for commercial loans and provident fund loans. However, the lender must be a China citizen with full capacity for civil conduct.
You can ask different banks. Major banks and private banks in China can do it. You should first consult the bank about the appraised price of the real estate you bought and the percentage you can borrow, and then you can sign the contract.
I'm going to buy a second-hand house in Chongqing, which is a mortgage loan. But the intermediary company said that the bank grant was not ...
1. Just change to another bank. In the worst case, all banks will not lend you money, so you have to borrow money to pay the loan.
2. If you really don't feel at ease, you can also go to the bank loan department with your ID card. Pre-approval is a safeguard measure for second-hand real estate transactions to ensure that the seller can get the money after the signing of the housing contract. Because after signing the sales contract, you need to pay surveying and mapping fees, transfer fees and other fees.
3. Transfer fee: 3 yuan/m2 (half for both parties) Registration fee: 80 yuan/set.
4. If it is the previous policy, there are two possibilities. One is that you are not qualified enough, and the other is that you are qualified enough, but the guarantee company and their intermediary can't. You must find a strong guarantee company for this thing.
5. You can mortgage the loan, regardless of the size, as long as you can provide proof of your income.
Second-hand houses in Chongqing should pay a down payment to decompress.
Generally speaking, the down payment ratio of second-hand housing transactions is the same as that of new housing transactions, which mainly depends on the loan ratio and bank regulations. If the buyer has enough funds, he can choose to pay in full; If not, you need to borrow money from the bank and pay the down payment according to the agreed proportion.
It is normal to handle the guarantee procedures through large intermediary companies. You can use the buyer's down payment to decompress, but you have to charge a certain percentage of the handling fee. Now big intermediary companies have their own financial departments, so they don't have to worry about the safety of down payment funds, and they can also go directly to the intermediary financial cushion to decompress. I hope my answer can solve everyone's concerns.
It can be operated according to the following steps: when the intermediary company signs the second-hand housing intermediary contract, it needs to write the above situation clearly; Accompanied by the staff of the intermediary company, the buyer and the seller go to the bank to cancel the mortgage; The premise is that you have to pay first to help the homeowner solve the mortgage. If not, give the money to the intermediary company. The contract should be explained. The agency will give you a receipt.
Buy a second-hand house here in Chongqing and apply for a provident fund loan.
1, Chongqing provident fund second-hand housing loan conditions First of all, the object that can be loaned is: I pay the housing provident fund on time, in full and continuously, and buy a self-occupied house in this city, and I can live completely independently.
2. The housing provident fund management center shall make a decision on whether to grant or not to grant the loan within 15 days from the date of accepting the application, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
3. Real estate price evaluation report. Certificate of transfer account issued by the seller (except accepted by the institution entrusted by the provident fund center). Other information required by the provident fund center.
The down payment for buying a second-hand house in Chongqing is calculated according to the bank's evaluation price. Provident fund personal loans can be up to 400 thousand, and both husband and wife can borrow 600 thousand. Pure provident fund loans can reach up to 80% of the transaction price. If the appraisal price is lower than the transaction price, the appraisal price shall prevail.
Which intermediary in Chongqing can handle the second-hand housing provident fund loan?
If the buyer meets the conditions of the provident fund loan and the seller accepts it, he can use the provident fund loan to buy a second-hand house in Chongqing. However, the approval time and delivery time of provident fund loans are relatively long, and the down payment will be frozen to the bank, so some sellers don't accept it, so it needs to be combined with the actual situation.
The down payment for buying a second-hand house in Chongqing is calculated according to the bank's evaluation price. Provident fund personal loans can be up to 400 thousand, and both husband and wife can borrow 600 thousand. Pure provident fund loans can reach up to 80% of the transaction price. If the appraisal price is lower than the transaction price, the appraisal price shall prevail.
The applicant for mortgage registration brings the loan contract to the entrusted bank, and after examination and approval, it is sent to the accreditation center for mortgage registration, and the acceptance notice is handed over to the housing provident fund management center. The housing provident fund management center that issues loans shall notify the entrusted bank to issue loans after receiving the mortgage "Property Ownership Certificate".
Step 5: The manager of the provident fund center talks with the borrower and reviews the loan application. Step 6: The borrower and relevant parties shall sign the loan contract and other relevant contract texts at the designated place according to the time notified by the handling personnel and apply for guarantee or comprehensive loan insurance.
How do second-hand housing mortgage loan intermediaries charge?
Please refer to the chapter "Real Estate Intermediary System" for specific charging standards. In addition, if the appraisal fee of each real estate price is lower than that of 300 yuan, it will be charged according to 300 yuan. For the land price assessment of land use right mortgage, the assessment agency shall calculate the assessment fee according to 50% of the general parcel assessment fee standard.
Agency fee standard agency fee: general cash 1%, loan 2%, loan service fee 1%. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee".
7% of the total house price. Including 2% agency fee and 0.5% guarantee service fee, small agency companies generally charge 1-5%.
Agency fee standard: Agency fee: 1% for general cash and 2% for loan. Loan service fee: 65438+ 0% of turnover. Guarantee fee: Individual intermediary companies charge an additional 0.5% transaction guarantee service fee, commonly known as "guarantee fee".
How to charge the mortgage agent Under normal circumstances, the agency fee is 65438+ 0 ~ 3% of the transaction price; 50% for both buyers and sellers; However, it is sometimes unilateral and can be negotiated by both parties. Generally speaking, it is enough to charge an intermediary fee of almost several thousand yuan for running errands. If the intermediary company is larger, the handling fee will be higher.
This is the telephone number for introducing Chongqing second-hand housing loan intermediary and Chongqing second-hand housing loan intermediary at the end of the year. I wonder if you found the information you need from it?