A house is very important to everyone, so whether it is buying a second-hand house or a new house, everyone will choose a loan to buy a house, but a second-hand house loan will be more troublesome than a new house loan. If there are more, it will be more complicated. If you don’t know the relevant knowledge very well, there will be many problems. Next, we will share with you whether you can get a loan for second-hand houses in Chengdu? At the same time, also talk about the things to pay attention to when choosing a second-hand house?
Can I get a loan for second-hand houses in Chengdu?
1. Sign a loan agreement and notarize it. The insurance mortgage service company will submit the loan information after the preliminary review to the lending bank for review. After passing it, the mortgage service company will Arrange for the borrower to sign a loan agreement with the bank and process the notarization of the agreement, and collect fees, including house insurance premiums, etc. To handle house transfer and mortgage procedures, the borrower should go to the trading center in the district where the house is located to handle house transfer and mortgage procedures, and submit the mortgage receipt to the lending bank through the mortgage service company.
2. Apply for the real estate certificate and mortgage certificate. After the lender's real estate certificate and other certificates of rights are issued, the mortgage service company will submit a copy of your property certificate and the original certificate of other rights to the bank. After the bank lending bank receives the above two certificates from the borrower, the mortgage service company will release the loan amount to the borrower. Due to the particularity of second-hand housing transactions, banks generally designate loan guarantee companies to provide services, and guarantee companies generally charge handling fees and guarantee fees. In addition, second-hand housing loan customers are required to purchase required insurance, and if loan notarization is involved, they will also need to pay notarization fees.
Things to note when choosing second-hand houses
1. Pay attention to the age of second-hand houses. Banks have strict regulations on the age of second-hand houses. If the house is too old, then the loan application is likely to be will be rejected by the bank. Some banks require that the combined age of second-hand houses and the loan period cannot exceed 30 years, and some directly stipulate that the age of second-hand houses cannot exceed 15 years. Older homes also have shorter loan terms when applying for loans.
2. Maintain a good personal credit report. The credit report of a home buyer is also an important review condition for bank approval of loans, because the credit report reflects personal credit and can see whether the borrower has good repayment habits. Otherwise, even if your income is high but your credit score is poor, the bank will not lend you a loan. Therefore, home buyers who plan to buy a house are best to keep their personal credit report in good condition, such as paying off credit on time and paying living expenses in a timely manner.
3. The property rights of the purchased houses must be clear. In recent years, disputes in second-hand housing transactions have become common, among which the property rights of the houses are mostly unclear. Therefore, when buying a second-hand house, buyers must make sure that the property rights of the house are clear. Never buy houses without real estate certificates or real estate certificates, such as relocation houses, resettlement houses, small property rights houses, etc. You must know that the real estate certificate or real estate certificate is Important documents that prove the ownership of a house. If these documents are incomplete during the second-hand house transaction, you will not be able to obtain a bank loan.
4. Pay attention to bank statements. When applying for a loan to buy a house, banks will generally require home buyers to provide bank statements within 6 months to examine the buyer's repayment ability. Therefore, home buyers must make a beautiful running account for themselves before buying a second-hand house. For example: depositing a certain amount of money into your bank card every month can increase your loan approval rate.
5. The loan information must be true and complete. The authenticity and completeness of the loan information are the primary factors that determine whether you can successfully obtain a loan. If you provide false information to the bank, the bank will reject your application without hesitation after finding out, and you may also be blacklisted by the bank, which will affect future loans. In addition, if the personal information filled in is incomplete and certain necessary information is missing, banks and lending institutions will not approve your loan application. Therefore, loan applicants should not commit fraud when submitting loan materials, borrow in good faith, and fill in personal information truthfully.
6. Don’t change jobs frequently before buying a house. If you have the idea of ????taking a loan to buy a house, then don’t change jobs before taking a loan to buy a house. At least don’t change jobs within six months of taking a loan to buy a house, because if you are applying for If you change companies or jobs before taking out a loan, the bank will definitely think that your job is unstable, your repayment ability will be affected, and the bank's credit risk will increase, resulting in your loan application being rejected.
7. Choose the loan bank accurately. For borrowers, since they are buying second-hand houses, they can choose the loan bank by themselves.
Each loan bank provides different types of services, charging standards are also different, and the requirements for borrowers are also different. The loan amount and maximum loan period may also be different. Borrowers can choose a loan with good service and low fees based on their actual situation. , a loan bank with simple and fast procedures.
8. Choose a loan repayment method that suits you. There are currently two main repayment methods for personal housing loans: one is equal monthly repayment (equal principal and interest), and the other is equal principal repayment. Way. The former has the same monthly repayment, but pays more interest in the first few months, and then the principal increases; the latter has different monthly repayments, but the monthly repayment of the principal is the same, and the interest decreases.