Process of buying a house

Understand loan knowledge → Understand the market → Assess personal ability and clarify house purchase needs → Find information → Things to note when viewing a house → Negotiation skills → Determine the transaction price → Sign the contract → Pay the deposit → Prepare all transaction information → Appraisal → Apply for a mortgage loan → Pay taxes → Transfer the ownership and pay the down payment → Issue a new certificate and send it to the bank for mortgage → Settle the balance and hand over the house.

Mortgage loan conditions

Bank personal second-hand housing mortgage loan business:

1. Basic conditions for mortgage application:

(1) Must be over 18 years old and a natural person with full capacity for civil conduct;

(2) Have stable economic income, good credit record, the ability to repay the principal and interest of the loan, and provide authentic and credible income certification documents ;

(3) The sum of the number of years applying for the loan plus the current age shall not exceed 60 years;

(4) If there is a mortgaged property, one of the parties must be identified as The main applicant applying for a loan, and the main applicant must meet the above conditions, and there are other people who will act as mortgagors, and they will also go through the relevant procedures for mortgage registration;

(5) The age of the mortgaged property The sum of the mortgage terms generally does not exceed 30 years;

(6) The borrower signs a "Real Estate Sales and Purchase Contract" with the house seller and pays a down payment of no less than 30% of the house price;< /p>

(7) Other conditions specified by the bank.

2. Information that mortgage loan applicants must provide:

(1) Legal identity documents (resident ID card, household registration book, military officer ID card, person with the right of abode in mainland China Overseas or foreign natural persons (such as passport, family visit permit, return home permit and other residence documents or other identity documents);

(2) Proof of the borrower’s marital status;

(3) Loan Proof of personal income or other ability to repay the principal and interest of the loan on time:

A. Must provide income certificate issued by the work unit and bank deposit statement;

B. Foreigners also need to provide personal tax payment Documents, proof of residence in Zhuhai (except for Hong Kong and Macao residents);

C. Self-employed persons: In addition to providing proof of unit income, they also need to provide their own business license, bank statements (deposit statements) Or other real estate, car driving license and other information that can explain the borrower's income and payment ability;

(4) Collateral valuation report issued by a real estate appraisal agency recognized by the bank;

(6) Proof that a down payment of no less than 30% of the total price of the property purchased has been paid;

(7) The bank’s current passbook (personal settlement account);

(8) Other documents or information required by the bank.

3. Information that the seller must provide:

(1) The seller is an individual, provide legal and valid identity certificate;

(2) The seller is an enterprise If required, provide business license, organization code certificate, legal representative certificate, etc.;

(3) Real estate certificate of the house sold: If there is a real estate certificate, provide a "Real Estate Certificate", if there is no real estate certificate, provide a "Real Estate Certificate" A housing purchase contract that complies with legal requirements;

(4) The bank's current passbook (personal settlement account);

(5) Other documents or information required by the bank .

4. Loan amount, term, interest rate:

(1) Loan amount: the highest can reach 70% of the purchase price of the property approved by the bank;

(2) Loan period: up to 30 years;

(3) Loan interest rate: in accordance with the relevant housing loan interest rate management regulations of the People's Bank of China.

The above information is for reference only. Please consult the relevant personnel of the lending bank for details.

(The above answer was published on 2017-01-18, please refer to the actual relevant current house purchase policies)

Click to receive the house viewing red envelope, and receive 100 yuan in cash directly