At present, it is common that second-hand houses are mortgaged with real estate licenses. This is normal, just like if you buy a house with a loan now, you will sell it in two years, and the real estate license will be banked again. But there are still some precautions for you.
Make clear the reason of mortgage loan, whether it is ordinary mortgage loan or commercial mortgage.
Clarify the loan amount and the landlord's repayment ability
Understand whether there is a situation in which one room is sold more and one room is mortgaged many times.
Find out whether there is property or seized property.
The most important thing is to see the house before buying it. Whether it is the advance payment or the landlord's own repayment, you must buy a house after the mortgage is released. If anything happens in the middle, it will take a few days to launch. Don't believe the story of going through the formalities first.
Second-hand housing mortgage loan
Second-hand housing mortgage loan refers to the loan business in which the buyer applies for a loan from the bank with the property traded in the secondary real estate market as collateral, which can be used to purchase houses, parking spaces, large durable consumer goods, automobiles, house decoration, etc., and then the buyer pays the principal and interest to the bank in installments. The second-hand housing loan period shall not exceed 30 years at the longest; The loan amount is 70% of the appraised value of the house; The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 5.94%. Interim Measures for the Administration of Personal Loans Article 3 Personal loans mentioned in these Measures refer to local and foreign currency loans granted by lenders to qualified natural persons for personal consumption, production and operation.
How to handle the second-hand housing mortgage loan?
With the continuous operation of modern capital chain, second-hand housing loan has become one of the important ways of bank mortgage loan, so how to handle second-hand housing mortgage loan? Maybe many friends are not particularly clear about the process. Let's take a look at the relevant knowledge! I hope it will help everyone.
First, prepare materials.
First, determine the loan bank, prepare the loan materials, apply for a loan (the running income of the bank 1 year must meet the conditions and be calculated according to the loan amount), collect and fill in the application form for second-hand housing mortgage loan, and submit it to the relevant staff for review.
Second, evaluation
Real estate appraisal agencies go to the housing management office for appraisal, and then issue appraisal reports to the bank. This stage will take about 3-5 working days, depending on the agreement. The counterparty is required to pay the evaluation fee.
Third, sign a contract.
The two sides signed a second-hand housing mortgage loan contract and notarized the second-hand housing, and began to apply for mortgage registration.
Fourth, bank approval.
The loan bank conducts qualification examination according to the materials submitted by the lender. In line with the conditions, the bank will review the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days.
Verb (abbreviation for verb) transfer and lend.
After approval, the buyer pays the down payment of the house. With the down payment certificate, mortgage application issued by the bank and other materials for the transfer of housing property rights. Then go through the mortgage registration and insurance procedures for second-hand houses. After the buyer gets the real estate license, go through the mortgage registration and insurance procedures for real estate. Call the designated account by transfer. In this way, the second-hand housing mortgage loan will be successfully handled, and the buyer will repay the loan on schedule according to the contract.
Conclusion: Before going through the mortgage loan procedures for second-hand houses, you should know your own economic situation and bank policies. There is also a second-hand housing loan amount based on the lower price of the original value and the evaluation value, so it is necessary to consult the bank in advance whether there is a designated evaluation agency before lending.
This is the end of the introduction of second-hand housing with mortgage and second-hand housing with mortgage. I wonder if you have found the information you need?