For the first suite, it should be ok.
For details of mortgage loans, please refer to the following information:
Letter of credit clause
1, with urban permanent residence or valid residence status;
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
3. There is a purchase contract or agreement;
4. Be able to pay a deposit of not less than 50% of the national defense evaluation price after full purchase;
5. Agree to use the purchased house as collateral, or provide assets recognized by the loan bank as collateral or pledge, or have a unit or individual with guarantee qualification and sufficient compensation capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;
6. Other conditions stipulated by the lending bank.
Loan amount, term and interest rate
Second-hand housing mortgage loans usually have a maximum amount of not more than 50% of the purchase price or evaluation price. The loan term shall not exceed 15 years minus the service life of the house, and the longest term shall not exceed 20 years minus the service life of the house. The loan interest rate is the individual housing loan interest rate stipulated by the People's Bank of China.
Bidding procedures
1. The borrower submits a written loan application and provides the following information:
(1) Housing transaction contract signed by the buyer and the seller and signed by the competent department;
(2) the property right certificate of the house purchased and the document that someone agrees to sell the house;
(3) the borrower's family property certificate and income certificate (including personal income certificate, tax payment certificate, bank deposit certificate, real estate license, securities, etc.). Issued by the work unit);
(4) The borrower's legal and valid identity certificate (referring to the resident identity card, household registration book or other valid residence certificate) and proof of marital status;
(5) The document that the borrower and the * * * people agree to mortgage the purchased house.
2. The buyer and the seller open an account in the loan bank, and the buyer deposits the down payment in full into the account designated by the loan bank.
3. After investigation and approval by the lending bank, the borrower and the lending bank sign a loan contract and a transfer deduction authorization.
4 for housing transfer, insurance, notarization, mortgage registration and other procedures.
5. Proof of property right transfer. The borrower shall submit the house ownership certificate, house ownership certificate and insurance policy (original) of the purchased house that has gone through the mortgage registration formalities to the loan bank for mortgage.
6. Transfer loans. After the above procedures are completed, the loan bank will transfer the loan to the account opened by the borrower in the loan bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the Power of Attorney for Deduction.
Who knows the down payment of second-hand housing loans in Xiamen?
First of all, we need to know whether the buyers have real estate, one set or two sets.
1. If the buyer has no real estate, that is, the first second-hand house, then the down payment of the second-hand mortgage is not less than 30%. The 30% mentioned here is not the transaction price, but the evaluation price. Second-hand housing loans are based on the evaluation of second-hand housing, and the general evaluation price is lower than the market price.
2. If the buyer has real estate, then his down payment ratio on the second-hand house should be about 70%. At present, the benchmark interest rate is 6.55%, and some banks can get a 15% discount on the first set.
3. In the case of three properties, if you need to borrow money from the bank to buy a second-hand house, then according to the regulations, you will not issue loans.
The down payment ratio of second-hand housing loans is divided into the following three situations.
1. If the last one has paid off the mortgage, and the buyers have good qualifications, they can get a down payment of only 20% on the second-hand housing loan.
2. If the last family did not explicitly repay the loan and asked the buyers to cooperate with the loan repayment, the safest way is to go through the fund supervision procedure. So you can use the second-hand mortgage 30% down payment.
3. If the property buyers have sufficient funds, they can pay clearly in one lump sum, so there is no problem of down payment and mortgage.
How to handle the second-hand housing loan in Xiamen
In order to get a second-hand housing mortgage loan smoothly and successfully, consumers generally have to "take seven steps": the first step: first, find the house they want to buy, but the house must have clear property rights (the house ownership certificate has been handled) and meet the conditions stipulated by the government for entering the real estate market. Step 2: Select the real estate transaction institution designated by the bank that can handle mortgage loan business (such as the real estate agent of Quanzhou Real Estate Transaction Management Office), complete the real estate value appraisal in this institution and pay the real estate appraisal fee. Step 3: When applying for a second-hand housing mortgage loan, you should fill in the loan application form and submit the following materials to the loan bank: 1) proof of identity (resident ID card, household registration book or other valid proof of residence), proof of academic qualifications and proof of marital status; 2) proof of economic income and other property certificates, including deposit certificates and securities, can be provided selectively; The more comprehensive the above certification materials, the higher the score of the bank in the loan evaluation, and the better the conditions for enjoying the loan amount and time; 3) The house purchase agreement signed by the buyer and the seller; 4) Proof of agreeing to mortgage the purchased house; (5) Having its own funds not less than 30% of the purchase price; 6) Other documents or materials required by the lending bank. The seller shall provide the following information: 1) identification certificate and photocopy of the seller (including the owner) and proof of marital status; 2) The written document of the owner of the house agreeing to sell; 3. The house ownership certificate and a copy of the house sold; 4) If the house has been rented, the certificate of the lessee's consent to the sale shall be provided; 5) Proof that the house sold meets the conditions for listing and sale. Step 4: The bank will review the authenticity, legality and compliance of the information sent by the buyer and the seller and the credit standing of the borrower. After the approval, a loan commitment letter will be issued to the buyers, and the bank will indicate the mortgage loan for several years. Step 5: The buyer deposits the down payment of the house into the account of the real estate transaction institution designated by the bank, and the bank freezes it. After the down payment is delivered and the loan commitment letter is signed, the seller goes to Quanzhou Real Estate Transaction Management Office to handle the house transaction procedures. Step 6: After the house transaction procedures and the new real estate license are completed, the buyer signs a loan contract with the loan bank and goes through the mortgage, insurance and other related guarantee procedures. Step 7: the loan contract comes into effect, the funds are transferred to the account designated by the buyer, and then the buyer delivers the loan and the down payment to the seller together.
How to handle the second-hand housing loan in Xiamen?
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, customers also need to buy the required insurance, and if it involves loan notarization, they also need to pay notarization fees. Generally, you can go to the bank to sign a loan within 3-5 working days after collecting all the materials. After the certificate of other rights is issued in the property right trading center where the house is located, it will be issued in about 3-5 working days. If it is through a guarantee company, the loan can be released within 2-3 working days after the transfer of the real estate bureau. The property buyers shall go to the District Real Estate Management Bureau to handle other warrants with the loan contract, mortgage contract, mortgage list, mortgage registration application form, newly-processed house ownership certificate, state-owned land use certificate and mortgage evaluation report signed when applying for loans. After the guarantee company issued the loan notice, the buyers and sellers came to the bank with their ID cards, newly-established real estate licenses, state-owned land use certificates and other warrants. Both parties open accounts with their own ID cards, and the bank transfers the loan applied by the buyers to the landlord's account, and the buyers' own account will be used as the monthly repayment account.
The process of mortgage loan for second-hand housing transactions is as follows: (1) Determining the mortgage service company and loan scheme Before handling the loan, the borrower needs to determine the mortgage service company with the intermediary, and ask the mortgage service company to conduct loan consultation and determine the loan scheme. (2) After inquiring about the provident fund and the seller's intention to purchase a house, the borrower provides the provident fund account number, and the mortgage service company inquires about the provident fund to determine the loanable amount and loan term. (III) Signing a house sales contract The borrower and the seller sign a house sales contract. Due to the different requirements of the trading center, it is necessary to go to the trading center in the region to handle the house transfer after the contract is signed. (4) Prepare loan information and review loan eligibility. Mortgage service companies assist borrowers to prepare loan information according to the requirements of banks. Some houses need to be appraised by a designated appraisal company; And the mortgage service company will conduct a preliminary audit. (5) Sign the loan agreement and notarize it. The insurance mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees. (6) Handling the formalities of house transfer and mortgage The borrower shall handle the formalities of house transfer and mortgage at the trading center in the district where the house is located, and submit the mortgage documents and receipts to the loan bank through the mortgage service company. (7) Handling Property Right Certificate and Mortgage Certificate After the lender's property right certificate and other rights certificate are issued, the mortgage service company will submit a copy of your property right certificate and the original of his rights certificate to the bank. (8) After the bank loan bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.
The information required for the second-hand housing loan is as follows: (1) ID cards (with copies of ID cards) for the applicant, spouse and eligible immediate family members to participate in the calculation of the housing provident fund loan amount 1; (2) 1 Copy of the applicant's and spouse's household registration book (attached with a copy of the household registration book) and persons who meet the conditions for calculating the loan amount of the housing provident fund. If the applicant and spouse are not in the same household registration book, a description of marriage relationship shall be attached; (3) 1 original title certificate; The existing housing certificate should indicate whether it is a commercial house or an anjufang; (4) Two local (city/district) real estate sales contracts provided by the trading center; (5) Original and photocopy of advance payment receipt for 30% or more of the house price 1 copy; (6) 1 loan application form: 1 personal housing commercial loan application form and two personal housing provident fund loan application forms; (7) 1 set of loan contracts and mortgage contracts: 6 sets of provident fund loan contracts, 5 sets of commercial loan contracts and 4 sets of mortgage contracts; 1 guarantee contract; (8) 1 A copy of the account number (or employee housing provident fund balance sheet) of the borrower, spouse and eligible immediate family members who participated in the calculation of the line; (9) Letter of commitment that the borrower, spouse and eligible lineal blood relatives agree to use their housing provident fund1; (10) Proof of the applicant's family income and related assets (determined according to the remarks, including salary table and personal income tax table, and the employees of foreign-funded enterprises shall be provided with monthly income certificate by the unit; Recent business tax, income tax and financial accounting statements provided by private industrial and commercial enterprises; Bank certificates of deposit, securities and proof of the source of regular remittance, etc. ); (1 1) If the above assets belong to the family members of the applicant, the repayment commitment letter agreed by the relevant family members shall be attached 1 copy; (12) 1 Copy of deposit certificate and/or passbook of housing savings that have been deposited for a specified period of time (required when applying for personal housing commercial loan with housing savings, not required for other types); (13) 1 a copy of the certificate that the enterprise allows the loan to apply for the enterprise housing provident fund personal housing loan (it is required to apply for the enterprise housing provident fund personal housing commercial loan, and other types are not provided).
This is the end of the introduction of Xiamen second-hand housing mortgage loan and Xiamen second-hand housing loan. I wonder if you found the information you need from it?