Many friends are short of funds because of the influence of the big environment. At this time, most people will choose to borrow money from the bank to relieve the pressure. But later, because of the improvement of life, they needed to buy a house. Many friends began to wonder, can you still live with a mortgage when you buy a house with a bank loan? Today we will take this as the topic and give you a simple answer!
Can banks still buy houses with mortgage loans?
When we have a loan in the bank, we can go to mortgage to buy a house, but at the same time we must meet the following conditions:
1. has legal status; Have a stable source of economic income, good credit standing, the ability to repay the principal and interest of the loan, legal and effective contracts and agreements for house purchase and overhaul, and other materials required by the loan bank.
2. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house.
3. Mortgaging or pledging the assets approved by the loan, or using legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors; Other conditions stipulated by the lending bank.
4. The original commercial housing sales contract witnessed by the real estate management department.
If the mortgage is not fully paid off, the applicant can only apply for a loan again if he has enough repayment ability. In addition, if the applicant can provide multiple guarantees when applying for a loan, it can also improve the chances of loan success.
6. The house has been insured, and the original policy is managed by the bank. The house is in an excellent location with complete transportation facilities.
The above is "Do banks still have loans to mortgage to buy a house?" I believe everyone has a certain understanding of this after reading it. I hope this answer can help you solve the problems in your life.
Can banks still buy houses with mortgage loans?
Of course.
There is a loan under the user name. If the loan amount is not high and the loan has no bad credit record, then the user can handle the mortgage business normally under the condition of meeting the mortgage application conditions. However, if the amount of loans to be repaid is high or there is an overdue record, users can still apply for mortgages, but the results of mortgage review will be affected.
When there is a loan under the user name, users must pay attention to the fact that the previous loan cannot be overdue. As long as there are overdue records, users will not be able to pass the mortgage review.
Matters needing attention in buying a house with mortgage loan
1. Please don't trust the mortgage promise of the developer.
At present, only by choosing the property supported by bank mortgage can buyers get mortgage loans. Therefore, buyers should focus on the following points: (1) Whether the developer has obtained the legal development procedures and approval documents for the pre-sale and sale of the property; (2) Whether the property you choose has obtained the mortgage commitment of the Bank Building, the mortgage ratio, term and interest rate.
In addition, although some projects have made mortgage loans, only a part of the sales sector can provide mortgages. Therefore, buyers should also confirm whether the property you want to buy is really within the scope of the property that can provide mortgage.
2. The bank's qualification examination for property buyers.
Many property buyers believe that as long as they choose the property supported by bank mortgage, they should get the mortgage service from the bank. However, this is a misunderstanding. Banks provide mortgage support for buildings developed and built by developers, which only shows that the building has obtained certain loans, and the final decision on whether to provide loans to property buyers is still in the bank.
After accepting the loan application of the purchaser, the bank should also examine the qualifications of the purchaser from the aspects of civil subject qualification, credit certificate and repayment ability to confirm whether the purchaser meets the prescribed conditions.
Can I still borrow money to buy a house when I already have a loan?
You already have a loan, of course you can buy a house with a loan.
Because no matter how many suites you buy, you have to pay the down payment according to a certain standard, and as a bank mortgage, it's just the rest of you or lower. Even if you cut off the mortgage, the bank can still sell your house at the market price, and the bank will not lose money.