Lead: In this era of rapid economic development, house prices will naturally rise. Although the government will control the growth of housing prices every year, the housing prices have not changed much, which has doubled the pressure on many people who want to buy a house. The speed of wage increase can never keep up with the speed of house price increase, so most people will have the concept of "spending in advance", and many people will choose loans to buy a house. However, most people don't know much about the conditions of the loan and some of its procedures. Below, Bian Xiao will introduce them in detail.

(A) the general procedures for buying a house by loan

First of all, buyers need to go to the bank to understand the relevant situation and handle relevant information. Then the bank will review the buyers and then determine the loan amount. The next step is to handle the loan contract, the bank will handle the insurance, and then handle the notarization of real estate mortgage registration. What is left behind is the cancellation of registration after the bank issues loans, the borrower repays each month and pays off the principal and interest.

Specifically, the information and procedures required for handling the house purchase loan are as follows (mainly depending on whether the house purchased is a new house or a second-hand house):

1. Buy a new house

Required information: ID card, household registration book, marriage certificate, income certificate, bank account and house purchase contract (husband and wife information is provided for married people).

Conditions: As long as there is stable income and bank flow, the bank flow is enough every month, and the monthly income on the income certificate needs to be twice as much as the monthly payment. For example, the monthly payment is 2000, and the monthly income needs about 4000. There is no overdue credit report. Generally speaking, the bank's requirement is that it cannot be overdue for three times in a row, and accumulated for six times in two years, and this is based on families.

Buy a second-hand house

Required information: ID card, household registration book, marriage certificate, income certificate, bank account, (married couples provide information).

Conditions: the same as the new house. To have a stable income and bank flow, as long as there is bank flow every month. The monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment is 2000 yuan, and the monthly income needs to be around 4000 yuan. There is also that credit reporting cannot be overdue. Generally speaking, the bank's requirement is that it cannot be overdue for three times in a row, and accumulated for six times in two years, and this is based on families.

(B) the cost of housing loans

The procedures and expenses of buying a house by loan vary according to whether you buy a new house or a second-hand house. Details are as follows:

1, the cost of buying a new house with a loan:

(1) deed tax: less than 90 square meters1%; Grade 90 ~ 1441.5%; 144 is above 3%; Delivery by the buyer;

(2) Maintenance fund: 2%-3% of the total purchase price;

(3) 80 yuan.

2, the loan to buy second-hand housing costs:

(1) Personal income tax: 1% paid by the seller (a family has at least one house for five years);

(2) Deed tax: less than 90 square meters1%; Grade 90 ~ 1441.5%; 144 is above 3%; Delivery by the buyer;

(3) Business tax: 5.6% paid by the seller (exempted after two years);

(4) Transaction fee: area * half of the buyer and seller are in 6 yuan;

(5) Production cost: 80 yuan, which shall be paid by the buyer.

Compared with buying a house in full, the advantage of buying a house by loan is that you can still spend less money to buy a house, which can reduce the pressure to a certain extent, but at the same time, buying a house by loan will also have the pressure to repay the loan, so each has its own advantages and disadvantages, and buyers need to decide a better buying plan according to their own situation.

Conclusion: For most people, buying a house is one of the most important things in life. In order to buy a house, many people have become house slaves, and loans have naturally become their first choice. Before buying a house with a loan, everyone must know about the conditions, procedures, expenses and other related aspects of the loan in advance to avoid problems with the loan. Regarding the conditions for buying a house by loan, what procedures and expenses are there for buying a house by loan? Bian Xiao would like to introduce here. I hope the above contents can help everyone.

Tubatu Online provides you with "every decoration quotation, 1-4 local decoration companies, 3 sets of decoration design schemes" and the decoration pit avoidance strategy for free! Click this link:/Zhu Ye /zxbj-cszy.php? to8to _ from = SEO _ zhidao _ m _ jiare & amp； Wb, you can get it for free ~