Conditions for buying a house with a loan
1. loan purpose: it is used to support individuals to buy and overhaul houses in Chinese mainland towns. At present, its main products are personal housing loans with mortgage and installment guarantee, commonly known as "personal housing mortgage loans".
2. Loan targets: China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.
3. Loan conditions: The borrower must meet the following conditions:
(1) has legal status;
(two) a stable economic income, good credit and the ability to repay the principal and interest of the loan;
(3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;
(4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;
(5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;
(6) Other conditions stipulated by the lending bank.
4. Loan amount: up to 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower);
5. Loan term: Generally, the longest loan term does not exceed 30 years.
6. Loan interest rate: if the loan term is less than 5 years (including 5 years), the annual interest rate of the loan is 4.77%; If the loan term is more than 5 years, the annual interest rate of the loan is 5.04% (according to the actual situation of the local government).
7, apply for a loan should be submitted to the information:
(1) individual housing loan application;
(2) Copy of identity documents (resident identity card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents);
(3) The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank;
(4) Legal house purchase (overhaul) contracts, agreements and relevant approval documents;
(5) List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by an evaluation agency recognized by the loan bank;
(6) The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;
(7) The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank;
(8) Relevant certificates of self-raised funds used by the borrower to purchase (overhaul) the house;
(9) House sales (pre-sale) license or the property ownership certificate of the building (existing house) (copy);
(10) If the borrower's spouse and * * * both apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form, and show their marriage certificate and household registration book;
(1 1) Other documents and materials required by the lending bank.
Sub-process of loan to buy a house
First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials.
Then accept the bank's review of you and determine the loan amount.
Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.
How much is the down payment for the loan to buy a house?
2065438+On September 30th, 2005, the Central Bank and the China Banking Regulatory Commission issued the Notice on Further Perfecting the Differentiated Housing Credit Policy, requiring that commercial individual housing loans be granted to households who purchase ordinary housing for the first time in cities that do not implement the "purchase restriction" measures, and the minimum down payment ratio should be adjusted to not less than 25%.
This new policy reflects certain differentiation. First of all, it is only for cities that do not implement purchase restrictions, which means that the New Deal will benefit most cities in the country, including Zhangzhou. Beijing, Shanghai, Guangzhou, Shenzhen and other cities that still implement purchase restrictions will not directly benefit.
Secondly, the minimum down payment ratio for people who buy ordinary housing for the first time is only 25%. According to the previous regulations of the central bank and the China Banking Regulatory Commission, for families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for loans to buy ordinary commercial housing again, and banking financial institutions implement the first home loan policy, but the minimum down payment ratio is 30%. This means that even if the first home loan has been settled, the minimum down payment ratio for buying a second home is still 30%.
If you want to buy a house with a loan, you should also pay attention to some preferential policies for mortgage, and you may encounter the best time to buy a house with a loan! In addition, when buying a house with a loan, we should also choose the best bank and the most cost-effective bank loan to buy a house. I hope that the introduction of the above loan to buy a house can help everyone.
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