How can I get a loan for a one-time second-hand house?

The second-hand house that has paid off the loan means that the red book is in hand. If you want to use this house as collateral to get a loan from the bank, it is a consumer loan, and the interest rate of the consumer loan will rise by about 2%. The maximum number of floors can be loaned to 5-7 floors, and the service life is 1 years. The specific data depends on your credit information and repayment ability. There is also an operating loan, which requires the existence of a company, and the maximum loan amount can be 1.2, accompanied by the evaluation value of the real estate bank. This loan must be paid off once a year. There is also a decoration loan, and the maximum decoration loan can be 5, yuan per square meter.

If you still have any questions, you can call the real estate expert Qin Sheng at 135915221

Can you get a second loan for the decoration loan once?

You can apply for a second loan for the decoration loan, but it should be noted that the second loan can only be made after the first payment is settled, and the bank or financial institution we choose must be the one we borrow.

Can the decoration loan be repaid in advance

The decoration loan can be repaid in advance. Customers can directly call the service hotline of the handling bank and apply to the customer service staff through the manual service channel, or they can operate it through online banking. Of course, different banks have different regulations, and some banks may need to make an appointment first, and then go to the outlet to go through the formalities (please consult the customer service of the handling bank for details).

Can a second-hand house get a decoration loan?

A second-hand house can get a decoration loan. When a decoration loan is needed, you can apply for a decoration loan whether it is a second-hand house or a house that has lived for a long time and is aging. When applying for a decoration loan, you only need to provide the bank with proof of identity, proof of income, proof of work and some normal formalities of the house to prove that it is your own. If you need a decoration loan, you should prepare sufficient information.

When renovation loans are needed for second-hand housing renovation, the applicants for renovation loans should also plan the amount of renovation loans in advance. Different banks have different requirements for the proportion of decoration loans to the overall decoration expenses, so when second-hand housing decoration loans are used, the decoration expenses should be reasonably controlled.

how much is the interest on the renovation loan?

the loan is 1, yuan, and the monthly interest rate is .25%;

monthly interest = loan amount × monthly interest rate = 1,× .25% = 25 yuan;

annual interest = monthly interest ×12 months = 25× 12 = 3, yuan.

the loan is 2, yuan, and the monthly interest rate is .25%;

monthly interest = loan amount × monthly interest rate = 2,× .25% = 5 yuan;

annual interest = monthly interest ×12 months =5×12=6 yuan.

the loan is 3, yuan, and the monthly interest rate is .25%;

monthly interest = loan amount × monthly interest rate = 3,× .25% = 75 yuan;

annual interest = monthly interest ×12 months =75×12=9 yuan.

calculation formula of monthly interest: monthly interest = loan amount × monthly interest rate;

calculation formula of annual interest rate: annual interest rate = monthly interest ×12 months.

you can calculate the interest of your own decoration loan according to the formula.

what are the loan processes for second-hand housing renovation in Shenzhen?

The process of applying for decoration loan for second-hand houses in Shenzhen:

(1) When a borrower applies for housing decoration loan, he must apply at the business outlet where the business is started, fill in the application form, submit relevant materials and go through relevant guarantee procedures;

(2) After investigation and examination by the account manager, the loan contract will be signed after the approval of the competent examination and approval department.

(3) The account manager will go through the loan procedures and transfer the money to the borrower's personal settlement account in the bank, so that the customer can use the loan funds;

(4) The borrower repays the loan at the business counter, or leaves enough repayment amount in the deposit account or bank card, and entrusts the loan bank to withhold the repayment; After the loan is settled, the bank cancels the creditor-debtor relationship with the customer and goes through the relevant formalities.

can the purchased second-hand house be renovated before the bank lends money?

yes, as long as the owner agrees, you can decorate as soon as you sign the contract.

But the bank has changed a lot now. Maybe the bank will inform you to make up the down payment after you get the certificate. So it's better to save more money. If you think it doesn't matter and the owner agrees, you can pretend boldly.

can I use provident fund loans for renovation? Can I use provident fund loans to buy second-hand houses?

1. Can I use provident fund loans for decoration?

As long as I meet the following conditions, I can use provident fund loans for decoration:

(1) The lender must have permanent residence or valid residence status in this city;

(2) Push forward from the date of application and pay the housing provident fund in full for more than 12 months.

(3) Having the capacity for civil liability and a certain proportion of self-raised funds.

(4) have a stable economic income and the ability to repay the principal and interest of the loan.

(5) The borrower must be the owner of the large (installed) house and sign a project implementation contract with a regular decoration company.

(6) Agree to use the purchased house or the house owned by itself or the house of a third party with complete property rights as collateral, or use the securities recognized by the loan bank or the time deposit certificate of the bank as pledge, or provide a guarantee by a legal person, organization or a third party recognized by the loan bank.

Second, how many times can the provident fund be loaned

The provident fund loan can only be loaned once at the same time, and it can only be loaned after the repayment; If the family has already bought two rooms with the provident fund, they can no longer use the provident fund loan; That is, the provident fund loan can only be loaned twice at most, and the provident fund management center has certain restrictions on the down payment ratio of different houses.

third, can you buy a second-hand house with a provident fund loan?

You can also buy a second-hand house with a provident fund loan. The second-hand housing provident fund loan refers to the housing provident fund paid by the employees in their units by the provident fund management center, and the housing mortgage loan specially used for buying second-hand housing issued by commercial banks to the on-the-job employees who have paid the housing provident fund and the retired employees who have paid the housing provident fund.

(1) Application conditions

1. The borrower has been in the housing provident fund account for more than 12 months (inclusive), and has paid the housing provident fund in full for more than 12 months (the normal payment state refers to continuous monthly payment, prepayment and supplementary payment of housing provident fund), and the borrower is in the payment state when applying for a loan.

2. The center has approved that the employees of the units that are in deferred payment can apply for loans if they have owned the housing provident fund account for more than 12 months (inclusive) and have paid it normally for more than 12 months (inclusive).

3. The loan applicant can also be a retired employee who has paid the housing accumulation fund during his employment.

4. Neither husband nor wife of the loan applicant shall have the record of outstanding provident fund loan or discount business.

This is the end of the introduction of the second-hand housing renovation loan and the amount of second-hand housing renovation loan. I wonder if you have found the information you need?