Conditions for buying a house with a commercial loan
1, with legal status;
2, a stable economic income, good credit, the ability to repay the loan principal and interest;
3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;
4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the first payment of the purchased (overhaul) housing;
5. Mortgaging or pledging assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors;
6. Other conditions stipulated by the lending bank.
Commercial loan purchase process
1, start buying a house
To buy a house, we must first estimate our actual purchasing power according to the financial strength and repayment ability, and determine the location, area, price, floor and orientation of the house according to the needs of work and life.
Step 2 choose housing
This link is a continuation of the preparatory work, which can be inquired from newspapers, television, internet or related real estate websites. Property buyers need to integrate the advantages of the three major media and comprehensively and carefully examine the housing information.
3. On-site house inspection
Choosing a house is a highly technical job. Before choosing a house, you should know the basic knowledge of floor area ratio, greening rate, pool and apartment type.
If you buy an existing house, you can intuitively see the structure and apartment type of the house, but if it is an auction house, you can only choose the house based on the apartment type map. At this time, buyers must learn to look at the floor plan.
Generally speaking, choosing a house should consider whether to buy a house from six aspects. Six aspects include: location, price, surrounding municipal planning, environmental support, housing structure and orientation, and property management.
4. Negotiate and sign the sales contract
After determining the target, enter the negotiation stage of substantive contact with the seller. Negotiating and signing a sales contract is the most important link in the process of buying a house. Both buyers and sellers should put their rights and obligations into words, especially the key terms such as the area of the house, payment method and property status.
Step 5 apply for a loan
At present, second-hand houses can handle commercial loans. According to one's own financial resources and various conditions of the house purchased, comprehensively consider the amount and duration of the loan. Intermediary companies should assist in handling loan procedures in accordance with relevant bank regulations.
6, for the transfer of property rights
The name of the original seller should be changed to the name of the new buyer. Relevant materials need to be prepared under the guidance of the intermediary company, and then the warrant personnel will assist in the formalities of property right transfer.
Step 7 check the house
When you move in, you must pay the water, electricity, gas, cable TV, heating and property fees of the purchased house, and both the buyer and the seller and the intermediary company must sign the property handover form for the record.