The loan contract for buying a house is in the bank, and if there is a real estate license mortgage, it will also be deposited in the bank for business.
Information to be provided for individual housing loan:
When applying for individual housing loan, the borrower shall first fill in the Application Form for Individual Housing Loan and provide the following information:
1. Borrower information:
(1) Legal identity certificate of the borrower;
(2) the borrower's economic income certificate or status
(3) Borrowers with spouses need to provide proof of husband-wife relationship;
(4) If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment responsibility of * * *;
(5) A guarantor must be provided.
2. The purchased house information:
(1) Letter of Intent for the commercial housing sales contract or commercial housing sales (pre-sale) contract signed by the borrower and the developer;
(2) A copy of the receipt of the down payment for the money;
(3) Other documents or materials required by the lender.
: Influencing factors of housing loan
1, age of loan applicant
When evaluating the loan repayment period for borrowers, banks should first take age as the premise to meet the loan conditions. The younger the age, the longer the loan period. On the contrary, the older they are, the longer the loan period will be, which is the loan period that banks can handle for them.
2. Age of the lending institution
When a lender buys a property, the "age" of the purchased property will determine how many years he can borrow. According to the regulations of the bank, it is easier to get a loan for a property with a newer room. For example, the second-hand houses with a construction period of 10 years have good conditions in all aspects, and banks are willing to speed up the approval of housing loans with this period. However, in the 1970s and 1980s, second-hand houses were relatively old, and the loan risks controlled by banks were relatively high, so banks were very cautious in approving loans for such houses.
3, the economic ability of the loan applicant
On the other hand, for applicants who buy a house with loans, such as work income, job stability, savings deposits, assets, etc. It is also a factor that banks consider, and it is also a factor that measures the application time of their loan years. Borrowers with strong economic strength can consider loan schemes with short loan life and certain repayment pressure. For example, 70% 10 or 15, or even 60% to 50% loan scheme. Borrowers with poor economic strength should pay attention to whether their economic conditions allow them to bear greater repayment pressure. If the bank's reputation and qualifications are good, such people may get loans as high as 80% to 20 years.
Second, the housing loan contract can be used for other purposes?
It can only be clear that you have a loan contract with the bank and there is no other use.
Third, what's the use of mortgage contract?
What is the use of housing loan contract?
"First of all, the contract can specify the loan amount, the longest repayment period and the bank interest rate; Secondly, stipulate the content of breach of contract so as to determine the responsible party in the future; In addition, it can also be used as a voucher. If the lender fails to perform its obligations according to the contract, the bank can take it for itself. "
What if the house loan contract is lost?
According to the current situation, there are generally four complete purchase contracts, two for the developer, one for the Housing Authority and one for the borrower. If the borrower handles a bank mortgage, then the borrower's contract should be placed in the bank. If the property buyer accidentally loses the loan contract, it can also be remedied in the following ways:
1. The borrower can go to the developer or the housing authority to make a new copy.
2. If the borrower loses the loan contract before the bank mortgage, it is necessary for the borrower to declare the contract invalid. Three months later, he will apply for cancellation of the signed contract with relevant certificates, and then sign a new contract with the developer.
3. If the application for a loan to buy a house is a provident fund loan and there is no original house purchase contract, the borrower can also provide the information proof with the seal of the local house trading center.
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What is the completion process of the housing loan contract?
1. The contract held by the buyer shall be pledged in the bank. If the contract is accidentally lost, the following measures should be taken to remedy it: if the contract is lost before the pre-sale registration, just void the remaining contract and re-sign the contract with the developer.
2. If the buyer loses the contract after completing the pre-sale registration, but has not yet started to apply for bank mortgage, it is necessary to publish a contract cancellation statement in the newspaper. After three months, take the newspaper to the pre-sale registration authority to apply for cancellation of the signed contract, and then re-sign the contract with the developer before making the pre-sale registration.
3. If the buyer loses the contract after the pre-sale registration and bank mortgage, in addition to the procedures in the second case, the buyer must also sign a change agreement with the bank that handles the loan and put the new contract into the bank pledge.