When buying a house with a mortgage, the payment is paid to the seller.

Under normal circumstances, the mortgage is directly credited to the seller's account.

This is true for both new and second-hand houses.

Provident fund loans, loans to the buyer or directly to the seller?

Provident fund loans are for owners and have nothing to do with property buyers. If your loan is not approved, you can apply to cancel the provident fund loan. If it passes, the money will be given directly to the owner, and there will be no way out.

Provident Fund loan process

1. The borrower consults with the provident fund guarantee institution and provides the above application materials. After the materials are complete, the Credit Commissioner reports to the Provident Fund Loan Center for credit evaluation and house evaluation.

2. Preliminary review: After both the credit review and the house review are reported, both the buyer and the seller bring the original materials to the provident fund loan center for preliminary review. After the loan letter is issued, the transfer department arranges the transfer of ownership between the buyer and the seller. 3. Re-inspection: the agent evaluates the deed tax ticket and the notice of obtaining the certificate, and re-examines it at the management department.

4. Face-to-face signing: the agent takes the property buyers to the provident fund management center to sign a formal loan contract.

5. Lending: The loan amount is lent by the provident fund management center to the repayment bank selected by the buyer, and then directly to the seller by the bank.

As the seller, to whom will the buyer pay?

There are three main payment methods for purchasing commercial housing: one-time payment, installment payment and mortgage loan. 1) One-time payment is the payment method of paying the house price to the developer immediately after signing the contract. This is the most common payment method before the bank's housing loan business has been carried out. At present, it is generally used for the sales of low-priced small apartments.

Loan buyers must see: can the repayment method of mortgage be changed?

Different banks have different regulations on whether individual mortgage repayment methods can be changed. In addition to equal principal and interest, there are also equal principal repayment methods for mortgage repayment. In the case of the same loan amount, fixed number of years and interest rate, the total interest of the repayment of the equal principal is less than the equal principal and interest. This is also the main reason why many friends want to change the repayment method.

Generally speaking, the method of mortgage repayment cannot be changed. Because the personal repayment method was signed at the beginning, it is not easy to change. However, some banks support changing the repayment method, but the procedures are more complicated.

Although most banks do not support changing the convenience of mortgage repayment, if an individual now has a certain deposit and has the ability to pay off his mortgage or part of it in advance, he can apply for repayment before the repayment deadline.

Loan buyers must see: what if there is not enough running water to buy a house?

Conditions for buying a house with bank loan:

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

Second, what materials do you need for a bank loan to buy a house?

1, loan application form;

2. Subscription agreement or sales contract;

3. identification;

Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, home visit certificates and work permits. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located.

4 proof of income (including tax bill, bank deposit record and employer's confirmation).

Third, what is the process of buying a house with bank loans?

Step 1: The buyer and the seller prepare complete information to see a lawyer.

Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion;

Step 3: The bank reviews the evaluation report and the president signs the loan.

Step 4: Loan.

Can banks lend money to buyers now?

It is necessary to find out which region and bank to lend money to, and the policies of each bank are different, and the policies of each region are different.

The collapse of the property market is unfavorable to loan buyers.

If the purchase price of the house is 80w, and the current house price drops to 70w due to the property market crash, and you bought it with a mortgage loan, then now you must continue to perform the contract and return it to the bank for 80w, but now your house is not worth 80W, but only worth 70w, so you will permanently lock in the loss.

What kind of repayment form is beneficial to buyers?

It depends on one's economic ability. The average capital is paid back at first, and gradually decreases, so the interest is less. Matching principal and interest is a fixed repayment amount. Under the same conditions, the interest paid is more than the average capital.

Is the property tax borne by the buyer or the seller?

According to the tax law, 20% income tax should be paid by the seller.

That is, the transaction price minus its original purchase cost is 20%.

But if the seller thinks it is not cost-effective, it will be passed on to the house price, and finally the buyer will pay the bill.

Loan to buy a house, the debtor is the buyer, and the creditor is the developer or bank.

Go to the bank for a loan.

It is also a loan issued by the bank.

The creditor is of course a bank.

As for the developer, in some cases, the developer is the guarantor in the mortgage.