Provident fund loan is the favorite loan method for most property buyers. Provident fund loan is a loan based on housing provident fund paid by employees, and the main body of the loan is the housing provident fund center. Housing provident fund loans have the nature of policy subsidies, which are lower than the loan interest rates of commercial banks in the same period. However, provident fund loans also have some shortcomings, that is, handling provident fund loans requires the approval of multiple institutions, and the whole procedure takes a long time.
2. Commercial loans
Commercial loan is the most common loan method at present. Commercial loans generally require sufficient deposit balance in the loan bank as the down payment for house purchase, and assets recognized by the loan bank as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities, so they can apply for bank mortgage loans.
3. Portfolio loan
Portfolio loan actually refers to the combination of provident fund and commercial loan. Under normal circumstances, housing provident fund loans are limited. If the loan amount required for house purchase exceeds this limit, the insufficient part needs to apply to the bank for commercial housing loan. The interest rate of portfolio loan is moderate, and the loan amount is large, which many buyers will choose.
Second, the process of buying a second-hand house loan 1, and signing a house purchase contract.
The first thing before handling the loan is that the buyer and the seller negotiate the price, sign the house purchase contract, and then go through the loan formalities.
2. Apply for a second-hand housing loan at the bank.
Note: When the bank handles the second-hand housing loan, both the buyer and the seller must be present, and both parties must bring all the information. Take personal information with you when buying a house. When selling a house, you should also bring relevant real estate information. After filling in the second-hand housing loan application form, the bank will contact the designated real estate appraisal agency to inspect and evaluate the house.
3. Institutional evaluation
The appraisal report can be issued in about three working days without making an appointment in advance at the appraisal institution designated where the house is located. Of course, you have to consult the appraisal office for the specific time limit. Note that when conducting institutional evaluation, there is also a cost involved, that is, the evaluation fee, which is generally paid by the buyers.
4. Bank audit
After submitting the loan application and evaluating the house, you can submit the relevant information to the bank and wait for the bank's review. Generally speaking, the bank calculates the loan amount according to the evaluation value of the evaluation agency. Of course, the premise must be that the bank has reviewed your loan qualification and passed it if it meets the conditions.
5. Transfer and transfer of property
After the bank audit, the buyer needs to pay the down payment to the seller. The next process is the handover and transfer of property. Generally, the property is handed over first, and then the transfer is made.
On the day of transfer, the buyer and the seller can go to the real estate exchange and the bank staff to handle the transfer of property rights with the down payment certificate, the bank's mortgage application review commitment and other materials. Generally speaking, the transfer can be completed on the day of transfer, and the real estate title certificate can be obtained in about half a month.
Remember: you can't pay the down payment before the bank clearly approves it! If you pay the down payment casually while waiting for the bank's review, the down payment will be wasted in case the loan application is not passed.
6. Bank loans
After you get the property right certificate, you can go to the bank to mortgage the property. The bank will lend the money to your designated account, usually directly to the seller's account, and repay the mortgage on a monthly basis according to the contract. Reminder: There may be insurance premium or handling fee in the process of handling property right certificate, and different banks will be different.
Iii. Precautions for buying a second-hand house 1, depending on the age of the house.
Note: If you are going to buy a second-hand house with a loan, you must pay attention to the age of the house. The age of second-hand houses is the main factor affecting housing loans. Usually, the loan period of a house is 20-25 years, and the relatively loose one will require 30 years, and the strict one is 10- 15 years. For older second-hand houses, the loan amount may be reduced, and the younger the house, the easier it is to get a loan, and the loan amount is higher than that of the older house.
Step 2 look at the collocation
Although the second-hand house has become a very mature community, and the surrounding living facilities are basically perfect, buyers should pay attention to whether there are unfavorable factors affecting our normal life in these facilities. For example, there are many public places near the square and residence, especially those squares and parks contracted by the square dance aunt, which is not necessarily a good thing. If you unfortunately choose the surrounding residence, your basic rest will not be guaranteed and your mood will be affected to some extent.
Step 3 look at the quality
Everyone must pay attention to the quality of the house, or they will be in trouble after buying it. Housing quality problems include many aspects, such as whether there are cracks in the wall, whether the doors and windows are loose, and whether the roof leaks. Buyers can choose to look at the house in rainy days. After the heavy rain, houses with quality problems are easy to show their true colors. At this time, it is clear at a glance whether there are cracks, water leakage and water seepage in the walls, corners and ceilings of the house.