Of course. Loan conditions of mortgage loan: legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the lending bank.
Second, how to make a mortgage loan? What are the conditions for real estate mortgage loan?
The mortgage loan of real estate is a loan business that uses the easily mortgaged real estate to apply for a loan from the bank to pay the purchase price, and then the buyer pays the principal and interest to the bank in installments. Then I'll tell you how to make a mortgage. What are the conditions for real estate mortgage loan?
How to carry out housing mortgage loan
It refers to a one-card mortgage loan in which buyers apply for loans from banks with real estate as collateral to obtain funds, and then repay the principal and interest to the banks in stages. It is a way for homeowners to solve the financial problem by means of real estate, and it is imperative for homeowners not to sell their houses.
2. Personal housing mortgage loan, referred to as housing mortgage loan for short. The mortgage buyer fills in the application form for housing mortgage loan to the loan bank, and provides legal documents and other terms that the bank stipulates that it must withdraw money. After passing the examination, the bank promises loans to the property buyers, and handles the mortgage payment of the property according to the house sales contract provided by the property buyers and the mortgage loan contract concluded between the bank and the property buyers.
3. The starting point of real estate mortgage consumption loan is 5,000 yuan, and the maximum amount does not exceed the loan term, generally not more than 5 years, and the longest can reach 10 year. The loan interest rate shall be implemented according to the commercial loan interest rate stipulated by the People's Bank of China for the same period, which is conducive to repaying the principal and interest on a monthly basis.
house property mortgage
A natural person who has the necessary conditions for a lender, the actual age of the loan maturity date is generally not more than 65 weeks, has a stable source of income, and has the ability to repay the loan principal and interest on time; Willing and able to provide real estate mortgage approved by the lender; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.
The mortgaged property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading without other mortgage; The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years; Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate.
Although managing loans can solve short-term urgent needs, we should fully consider our future income and solvency, avoid foreclosure of mortgaged houses and protect our own interests. What conditions does the mortgage loan mentioned in the above article need to help?
Can a building with a building age of three or more years be mortgaged?
Mortgage loans can last as long as 30 years.
1, and the highest mortgage rate of commercial housing can reach 70%;
2. The mortgage rate of office buildings and shops can reach up to 60%;
3. The mortgage rate of industrial plants can reach up to 50%;
4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.
Generally speaking, the current bank loan term is 1 to 10 years. The shorter the loan term, the lower the interest rate. For example, the bank loan interest rate for the one-year mortgage period is 6. 10%, while the loan interest rate for the five-year loan period is 7.05%, which is quite different. So how many years can a mortgage loan last? What are the factors that affect it? The age of the borrower, of course. Nowadays, many commercial banks like customers with good qualifications, but sometimes the age problem needs to be considered no matter how good the qualifications are. At present, the maximum age at which banks can lend money is 60 years old or younger for male borrowers and 55 years old for female borrowers. Or a ten-year loan period can be cycled up to three times. Of course, the long period of bank loans is also directly related to the monthly payment. The loan period is long, and the monthly pressure is small, just like the same customer borrows 65,438+10,000 yuan from the bank, and the monthly repayment amount is 8,632.4 yuan within one year. The loan term is ten years, and the monthly repayment amount is 1 163 yuan. When many people face this problem, many people still choose long-term bank loans, although there is a gap of more than 30 thousand interest due to the pressure of monthly repayment. Generally speaking, house prices are relatively stable, which explains why banks prefer to operate bank mortgage loans. The term of mortgage loan for older houses will not be very long, and bank loans generally control the construction period of mortgaged houses within 20 years.
Fourth, can the old house be mortgaged?
Old houses can also be mortgaged. As long as there is a certain value space, it can naturally be mortgaged to obtain certain loan funds. But if the house is too old, the value of the house will be greatly reduced, and it is naturally not easy to get a loan from the bank. Especially old houses over 30 years old, many banks will refuse. Even if the loan is approved, it is estimated that the approved amount will not be too high (the loan amount will generally be lower than 80% of the value of the collateral, depending on the approval result). The difference between housing mortgage loan and housing mortgage loan: mainly in terms of interest rate, mortgage loan is a commercial loan, also called personal housing loan. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Due to tight policies and small quotas, interest rates have risen instead of falling. But the floating property of mortgage loan is lower than that of mortgage loan. Different subjects of legal relationship: in the mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there must be at least three legal subjects, namely, the mortgagor (bank), the mortgagor (buyer) and the third party (original house owner). The preconditions are different: the borrower wants to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy a house or for other purposes. However, mortgage loan is a personal housing loan business that buyers use the purchased house as collateral and real estate companies provide regular guarantees, but it can only be used for buying houses. Mortgage and unsecured loans are essentially credit loans, and mortgage loans are guaranteed (or guaranteed) loans; In terms of loan interest rate, our interest rate will be much higher than the mortgage interest rate. The general interest rate will be 2-3 times that of the mortgage. In terms of loan life, the loan life is relatively short, generally not exceeding 3 years. The term of mortgage loan can be long or short, one year or as long as 20 years. The repayment pressure is small. Loan amount: the amount is generally small, and it is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount. Mortgage loan is mainly based on the value of collateral to determine the loan amount, if the loan amount is relatively large, but also consider the lender's repayment ability. Judging from the loan issuance time, the loan approval time is short, and the loan can be obtained in 3-5 days generally; Mortgage loan approval-mortgage registration-lending takes 2-3 weeks.