For the small partners who buy a house, if the small partners can't buy a house in full, many people will apply for refinancing to achieve the effect of adding leverage. At the same time, due to the low annualized comprehensive interest of the transfer loan and the long loan period, it is very suitable for the transaction of second-hand houses.
1. What is lending?
Lending generally exists in the transaction of second-hand houses. Strictly speaking, lending is a housing mortgage loan. When buying, selling and transferring houses, users can apply for transfer loans by virtue of the second-hand housing sales contract. At the same time, users also need to submit other materials that can prove property rights. After the bank verifies all the information, the bank will approve the relevant loan.
Second, lending is a very cost-effective loan type.
At present, the lending on the market is basically bank loans. I don't recommend users to apply for lending from offline lending institutions, because these products have many routines. At the same time, the annualized comprehensive interest of loans transferred through bank channels can reach about 5%, and some local banks can even reach 3%. At present, the annualized interest of bank mortgage loans in the market is very low, which is a good way of leverage.
Third, the personal qualification of the user and the bank credit line need to be considered in lending.
It is precisely because lending is a very cost-effective loan product that most users will apply for lending when buying second-hand houses. Because the real estate measures all over the country have changed, some areas have tightened transfer loans and restricted second-hand housing loans. To this end, if you need to comprehensively consider the bank credit line of your city, you also need to consider personal qualifications. In most cases, it is more difficult for users to apply for lending, and many cities have restricted the application for lending.