2. Commercial loans are also bank mortgage loans. The balance of the loan bank deposit shall not be less than 30% of the funds required for house purchase, and shall be used as the down payment for house purchase. The assets confirmed by the loan bank are: as mortgage or pledge, or as a unit with sufficient compensation capacity, or as a guarantor who repays the principal and interest of the loan and assumes joint liability. Individuals can apply for bank mortgage loans.
3. Portfolio loans, individual housing portfolio loans and housing provident fund management core can be issued through provident fund loans, and the upper limit is generally 6,543,800 to 290,000 yuan. If the purchase price exceeds this limit, the insufficient part must apply to the bank for commercial housing loans. These two types of loans are collectively referred to as consolidated loans. The interest rate of consolidated loans is relatively moderate, the loan amount is relatively large, and lenders use it more.
What is the process of buying a house loan?
1. Submit a mortgage application. If the buyer is buying a new house, most of the new house sales offices have cooperative banks on site. After signing the contract, buyers can apply for loans directly from the bank of the real estate contract, which can be regarded as saving the step of finding a bank. Therefore, after determining the housing, consult the relevant banks, learn about the relevant provisions of mortgage loans from the banks, prepare the documents required by the banks, fill out the mortgage loan application form and submit it to the banks for review.
2. Waiting for the bank audit results, waiting for the bank audit results is enough for buyers. After the general buyers submit their applications, the bank will review the credit status and repayment ability of the buyers. If the audit is unqualified and the bank refuses to issue loans, the buyers have to find another way. It is likely that most people can't find the source of funds and eventually have to give up buying a house.
3. After signing the loan contract, the buyer needs to sign the loan contract with the bank. When signing a loan contract, he needs to pay various fees, handle mortgage and insurance. This step is time-consuming and the bank needs to review it. How long will it take? Every place and bank are different. Then the buyers need to wait for the notice to go to the bank for a face-to-face interview and wait for the bank to verify the materials. After verification, the bank will inform the buyers to take the materials to the Housing Authority for mortgage.
4. Wait for the bank to lend money. After completing the above procedures, buyers can wait patiently for bank loans. Waiting for the house payment is also a long process, and you may have to go to the bank to apply for a loan. After the bank lends money, remember to ask the bank for a loan contract and an iou that belongs to you. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.