It is easy to buy a house with a loan, but it must meet the requirements of the bank and provide qualified application materials.

First, the information needed when buying a house loan:

According to the difference between first-hand houses and second-hand houses, the details are as follows:

1, first-hand housing mortgage loan

If you buy a newly developed new house, you need to use the newly bought property as collateral and apply for a mortgage loan for the lender yourself.

Loan procedures need: identity certificate, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, guarantee certificate of guarantee company, etc.

2. Second-hand housing mortgage loan

If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan from the lender.

Loan procedures need: identity certificates of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, appraisal report, income certificate of the buyer's husband and wife, proof of no house, etc.

Second, the housing loan requirements:

This needs to be determined according to personal qualifications. Buy a first-hand housing loan or a second-hand housing loan, a commercial loan or a provident fund loan? The loan amount for first-hand houses is 70% of the property value, and that for second-hand houses is about 50%. In other words, the first-hand housing loan down payment needs at least 30%, the second-hand housing down payment needs more than 50%, and some banks need about 60%. The interest rate of commercial loans to buy a house is 6.9% for less than five years and 7.05% for more than five years. The interest rate of housing provident fund loans for more than five years is 4.9%.

Third, the housing loan problem:

There are many reasons why the mortgage can't be done, so in practice, different situations have different treatments. In the trial of a contract, the agreement in the contract will generally be given priority. Therefore, it is an important basis to stipulate in the contract who will bear the liability for breach of contract if the loan is not approved. If there is no agreement or the agreement is unclear, it should be handled according to the following principles:

1. developer's reason: if a developer sells a house that is not qualified for sale, that is, if the developer fails to obtain a pre-sale permit or sells an existing house that is not qualified for use, the bank will not grant a loan when reviewing this situation. At this point, the buyer can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.

2. Reasons for the buyer: If the information provided by the buyer is untrue or the buyer's credit record is bad, the bank will not approve the loan, and the buyer will be liable for breach of contract.

3. Non-seller's reasons: If the government policies or bank regulations change and the loan that the buyer should get cannot be realized, the buyer should negotiate with the developer. If negotiation fails, there is no agreement in the contract. Property buyers can prove that they are not at fault and are really unable to buy a house, and ask the developer to repay the down payment and deposit.

Therefore, it is easy to get housing loans. The key is that you should prepare complete information and understand the legal knowledge contained in it. Familiar with the process of housing loan, handle it freely.

Will you approve the bank loan to buy a house and mortgage? What do I need to prepare to apply for a loan?

It's common to buy a house now as long as the down payment is ready, and then the loan is ok. However, if you choose a bank loan, not everyone can apply for it, and you can only lend money after approval. Then let's take a look at the good bank loans to buy a house and mortgage. What do I need to prepare to apply for a loan?

It's common to buy a house now as long as the down payment is ready, and then the loan is ok. However, if you choose a bank loan, not everyone can apply for it, and you can only lend money after approval. Then let's take a look at the good bank loans to buy a house and mortgage. What do I need to prepare to apply for a loan? The content is as follows:

Will you approve the bank loan to buy a house and mortgage?

1. Generally, the mortgage will be put down within 3 months. If you haven't heard from the mortgage in the past three months, I suggest you call the loan bank directly to see if your loan has been approved. If there is, there is basically no problem, just wait for the bank to lend money. If it has not been reviewed, it is usually a small problem at this time. At this time, you need to call the bank for advice.

2. First-hand houses here are usually very fast, because developers and banks sign a house payment contract. The quickest way is to approve it in 2 days and lend it in 3 days. Generally speaking, the approval takes 3-5 days, and the mortgage time will be based on the requirements of the developer. Time is hard to say, just 2-3 days, wait patiently.

3. In the case of sufficient bank quota, it only takes one week from application to approval, or half a month if it is slow. If the bank's quota is insufficient, the house cannot be handed over until the beginning of the month, so the longest waiting period is probably 1 month.

What do I need to prepare to apply for a loan?

1. Original and photocopy of the borrower's valid identity certificate (in which the borrower's age must meet the basic conditions of 18-65 years old). Local permanent residence or valid proof of residence. Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

2. The borrower obtains the pledge, the list of collateral and the ownership certificate required for the pledge and mortgage amount, and the written document of the owner and the real estate * * * agreeing to pledge and mortgage. The Guarantor agrees to provide the written documents of the guarantee and the guarantor's credit certificate required by the borrower to obtain the guarantee amount (not required if it is a credit loan).

3. Collateral evaluation report issued by the socially recognized evaluation department (this material is required for mortgage loans, and other materials are not required). Other documents and materials specified by the bank. Different banks and different loan products require different conditions. It is suggested that users in need can call the bank customer service or credit manager directly.

Shall we follow me and approve bank loans to buy a house and mortgage? After understanding what needs to be prepared to apply for a loan, we know that if we choose a bank loan to buy a house, we must meet the conditions of the loan. To know that different bank loan conditions are completely different, be sure to ask in advance. I hope my introduction above can help you.

Is it easy to get a house loan?

Buying a house loan is generally easy to handle. The key is to look at personal qualifications. Here are some suggestions on mortgage, hoping to help:

Pay attention to the family's financial affordability. It is recommended that one husband and wife bear the mortgage and the other bear the economic expenses, which is the best. Excessive loan amount will affect the quality of life. Loans are divided into three types: pure provident fund, pure commercial loans and portfolio loans;

If conditions permit, it is best to choose a pure provident fund loan. The interest rate is much lower, and the repayment can be deducted directly from the provident fund, which is convenient. However, the requirements for provident fund loans are relatively high. Apply for a loan amount according to your monthly repayment amount, and the house needs a fixed number of years. Some old second-hand houses are not allowed to lend. Commercial loan terms are relatively wide. The choice of bank loans depends on many aspects. Generally, large banks with the highest interest rate concessions and certain strength are selected.

There are many repayment methods, such as equal repayment and equal principal repayment. The longest loan period is 30 years. Second-hand housing loan period is calculated according to the construction time. Some second-hand housing loans have a short term, so you should ask the bank clearly.

One thing to pay attention to when buying a house with a loan is how long it takes for the bank to approve the loan amount applied for. If you are eager to buy a house, you'd better ask the bank. It will take a year to meet the bank's financial shortage. If two people have housing provident fund, they can borrow money from each other's provident fund, which can reduce the pressure and burden at home, and the funds can also be turned around, so that more money can be left in their hands and invested in other places. If you use the housing provident fund, the interest will be quite small.

20 17 the introduction of "mortgage is easy to approve, mortgage is easy to approve" ends here. I wonder if you found the information you need from it?