Second-hand housing mortgage loans shall meet the following requirements:
The purchased property should be a property with superior geographical location, good residential environment and strong liquidity;
The property right of the purchased house must be complete and clear, and the property right certificate has been handled, and the conditions for entering the real estate market circulation transactions are met;
When applying for a loan, the transferred property is not included in the scope of urban reconstruction and demolition planning, and the seller has the legal right to dispose of the transferred property;
Second-hand housing buyers and sellers should go to the housing management department to handle the transfer procedures, get a new property certificate, and go through the real estate mortgage registration procedures before issuing loans. If they fail to register in time, the real estate agency or guarantee company should provide phased guarantee.
In addition, other requirements stipulated by the bank must be met.
Three things to know when applying for second-hand housing mortgage loan
At present, many property buyers will mainly use second-hand houses, so it is more and more common to apply for second-hand housing mortgage loans from lending institutions. However, it is not so easy to apply for a second-hand housing mortgage loan successfully. Three things to know when applying for second-hand housing mortgage loan.
1. The loan interest rate of second-hand houses is higher than that of first-hand houses.
2. When the second-hand house is handled, it needs all the consent of the seller and the owner before it can be sold. If one party disagrees, it is not allowed.
3. Second-hand housing loans not only have certain requirements for borrowers, but also for houses. If the house is very old, it is generally impossible to get a loan.
In addition, for second-hand housing mortgage loans, most lending institutions only accept houses with a house age of less than 20 years. Therefore, borrowers need to consult in detail in advance before applying for loans.
Matters needing attention in applying for second-hand housing mortgage loan
1. The loan shall be used to purchase second-hand houses;
2. Before applying for a loan, the borrower must pay a specified proportion of the purchase price and provide legal and effective second-hand housing transaction documents. The seller of the house purchased by the borrower must also be a natural person with full capacity for civil conduct. If the house has been transferred, the transfer date shall not exceed 90 days from the application date;
3. Need to use the purchased house as collateral, and at the same time meet the requirements of second-hand housing mortgage loan stipulated by the bank for guarantee;
4. Other * * people know about the purchased property and agree that the borrower applies for a loan from the bank, and unconditionally agree to mortgage the property to the bank.
The above is the second-hand housing mortgage loan related knowledge compiled by Bian Xiao for everyone.
(The above answers were published on 2015-12-10. Please refer to the actual situation for the current purchase policy. )
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