1. What are the procedures and conditions for buying a house with a loan in Wuhan?
What are the procedures for buying a house with a loan in Wuhan?
1, apply for a loan
After the buyers confirm that the property they choose can be supported by bank mortgage, they should learn about the bank's regulations on mortgage loan support for buyers from Wuhan Bank or the law firm designated by the bank and prepare relevant legal documents. , and fill in the mortgage application.
2. Sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the buyers, the bank confirmed that the buyers in Wuhan met the conditions of mortgage loan after examination, and issued a loan consent notice or a mortgage loan commitment letter to the buyers. Property buyers can sign a "pre-sale contract for commercial housing" with developers or their businesses.
3. Sign a house mortgage contract.
After the purchaser signs the house purchase contract and obtains the payment voucher, Wuhan signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment and other rights and obligations of the mortgage loan.
4. Apply for mortgage registration and insurance.
Property buyers, developers and banks hold Wuhan building mortgage loan contract and purchase contract to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.
5. Open a special repayment account.
After signing the Building Mortgage Loan Contract, the purchaser opens a special repayment account in the financial institution designated by Wuhan Bank, and authorizes the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. After going through the relevant formalities, the loan will be transferred to the bank account opened by the developer in the bank at one time as a personal housing loan business guaranteed by the purchaser's purchase payment in installments.
What are the conditions for Wuhan to buy a house with a loan?
1. Agree to use the purchased house as mortgage guarantee.
2. The age of the borrower plus the loan period shall not exceed 65 for men and 60 for women.
3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China.
You must pay a down payment of not less than a certain percentage of the total price of the house purchased.
5. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan.
6. A house purchase contract or agreement has been signed.
Second, the down payment ratio of Wuhan loan to buy a house
House prices are very high at present. Friends who are going to buy a house must want to know the down payment ratio of the loan to buy a house. It is getting harder and harder to buy a house in Wuhan. Because of the emergence of various restrictions on purchases, people who are going to buy a second house are not only foreigners, but also locals should consider buying a house. Then, what is the down payment ratio of Wuhan loan to buy a house?
(1) Household registration in this Municipality
1, the first suite
If you have no house or loan in Wuhan, you can buy a house in the restricted area, and the down payment ratio is not less than 30%.
2. Second Suite
Those who own 1 house in Wuhan (whether the loan is settled or not) can purchase houses in the restricted area, and the down payment ratio for the second house is not less than 50%, and the down payment ratio for non-ordinary houses (144 square meters or more) is not less than 70%.
3, two suites and above
If you own 2 or more houses in Wuhan, you may not buy houses in the restricted purchase area.
(2) Non-local household registration
1, purchase conditions
Provide proof of continuous payment of social insurance or personal income tax in Wuhan for two years (including two years) from the date of purchase.
2, the first suite
If you have no house or loan in Wuhan, you can buy a house in the restricted area, and the down payment ratio is not less than 30%.
3. Second Suite
If you already own 1 house or above in Wuhan, you may not buy a house in the restricted area.
Third, Wuhan's loan purchase policy in 2020
1, the down payment ratio of the first home mortgage is 20%-30%, the down payment ratio of the second home mortgage is 50%-70%, and the implementation interest rate is 1. 1 times of the benchmark interest rate, and the down payment ratio will be different in different regions.
2. The number of mortgage sets, actual mortgage interest rate, mortgage ratio and mortgage period of the first-hand house shall be subject to the approval of the bank; Under normal circumstances: the first home loan, the down payment of ordinary housing is not less than 30%, and the benchmark interest rate is implemented; The down payment for the second home loan is not less than 60%, and the benchmark interest rate is raised by10%; The third suite is not allowed to buy a house with the current loan. When buying a new house and a second-hand house, the calculation of loan down payment is very different.
3. Different from the new housing loan, the second-hand housing loan is based on the "second-hand housing evaluation price" as a reference. The so-called evaluation price refers to the professional evaluation agency designated by the bank according to the market situation at that time.
4. The new house loan does not need to be evaluated, and the loanable amount is generally calculated according to the transaction price. Property buyers can prepare according to the local loan policy. At present, the down payment ratio of the first suite in Beijing and Shanghai is 35%; The down payment ratio of other restricted cities is mostly 30%; In some cities with unlimited purchases, the down payment ratio is mostly 20% ~ 25%.
5. The evaluation price is generally used for second-hand housing loans, and the evaluation price is generally only 80%-90% of the transaction price, so the amount of second-hand housing loans is lower than that of new houses, and the down payment is higher.
The above is about
What procedures and conditions are needed for Wuhan loan to buy a house, the down payment ratio of Wuhan loan to buy a house, and the related contents of Wuhan loan to buy a house policy 2020, I hope to help everyone!