2. If the mortgaged property is used for personal consumption, the loan term is generally within ten years.
3. If it is a new house mortgage, the longest loan period cannot exceed 30 years.
4. If it is a second-hand house mortgage, it cannot exceed 20 years.
Problems needing attention in housing mortgage loan
1. Carefully examine the qualifications and reputation of the borrower, and try to choose an intermediary company with legal registration, standardized operation and good reputation.
2. Resolutely refuse to sign documents with blank or incomplete contents, carefully examine the terms when signing loan contracts and receipts, and do not sign them hastily. After obtaining a loan, you must issue an iou and receipt according to the actual amount.
3. Generally agreed loan interest, overdue repayment interest, liquidated damages and late payment fees shall not be higher than 4 times the interest rate of similar loans of banks.
Then you can't sign multiple loan contracts and receipts for the same loan.
5. Keep the relevant receipts and repayment vouchers, make repayment by bank transfer as far as possible, and ensure that the account holder of the collection account is the same as the lender, and indicate the details, principal and interest of which loan to return.
6. After paying off the loan, the lender must be required to return the originals such as the Loan Contract and the Receipt of Payment to the borrower or destroy them on the spot to prevent the lender from claiming rights again on this basis.
7 bank commercial housing loans have been paid off, directly paid by the entrusted bank to the borrower; Unpaid bank commercial housing loans are directly transferred from the entrusted bank to the loan account of the lending bank.
8. The borrower should pay off the personal housing loan of the bank first, and then go through the re-lending procedures for no more than three months; First, mortgage the house that I or others have obtained the real estate license and land use certificate, and go through the loan procedures.