1. The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract.

Two, eligible buyers to apply for loans to the loan bank, and provide relevant certification materials.

Three. The buyer and the seller should go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal.

Four, the law firm to verify, investigate and analyze the borrower's credit certification materials and evaluation report, issued a "legal opinion".

Five, after the approval of the loan bank, notify the loan applicant whether to agree to the loan.

Six, the buyer and the seller handle the transfer of property rights, after the transfer, the borrower to the bank for loan procedures.

Seven, the buyer and the loan bank signed a second-hand housing mortgage loan contract.

Eight, the buyer and the seller will transfer the house ownership certificate to the loan bank for mortgage registration.

How to identify the second suite?

65438+ According to the previous policy, as long as there is no loan for underage real estate, applying for a mortgage is not a second set.

2. Parents have a house and buy a house in the name of minor children: according to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

3. If you have the money to buy a house under your own name, you can take out a loan to buy a house after you settle the sale: at present, the bank recognizes the second house as "recognizing the house and recognizing the loan", which means that after the property bought by the loan is sold, although there is no house under your family name, if you apply for a mortgage again because of your previous loan record, it will be counted as a second house.

4. If you have a house bought in full under your name, you can borrow money to buy a house: in the past, you only "recognized the loan", not counting the second suite, but now you have added "recognized the house". Although you haven't borrowed money, as long as you can find the property under your name in the housing property rights trading system, you will be recognized as a second suite if you don't sell it or lend it.

5. Use commercial loans to buy a house, and then use provident fund loans to buy a house: At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if he has never used the provident fund loan, applying for the provident fund loan is considered as a second suite.

Can I get a loan for the second suite?

Due to the continuous adjustment of local policies, the corresponding regulations have been made for the purchase of second suites, which can well curb the rise in housing prices. So can I get a loan for the second suite? What is the loan process for buying the second suite? Do you know that?/You know what? Now let's have a look.

Can I get a loan for the first and second suites?

The second suite can be loaned, but the loan amount should be subject to the local bank. Under normal circumstances, to buy a second apartment with a commercial loan, you need to pay more than 30% of the total house price, and the loan cannot exceed 70% of the total house price; If you use provident fund loans, you need to pay more than 20% of the total house price, and the loan cannot exceed 80% of the total house price.

Second, the loan process of purchasing the second suite

1. After choosing a house, the buyer can sign a house sales contract with the developer and pay the down payment according to the regulations;

2. Property buyers shall submit loan application materials and loan application forms to the banks cooperating with the developers to apply for bank loans;

3. The bank will strictly review the materials submitted by the buyers and evaluate the value of the mortgaged house;

4. The bank staff will review the credit information of the loan applicant to see if there is any problem with the credit information. Only when the credit is good can the next step be carried out;

5. After approval, the bank will further communicate with the lender and seek the consent of the applicant;

6. The staff of the bank will inform the buyers to go to the bank to sign the loan contract;

7. After the loan contract is signed, the bank will transfer the loan amount to the developer account according to the developer account provided by the loan applicant;

8. The lender shall deposit the monthly repayment into the designated bank card as agreed;

9. After the lender repays the principal and interest, the mortgage guarantee is released.

As for whether the second suite can be loaned or not, I will introduce the process of the second suite loan here first. Are you clear? You can buy a second suite if you have money, but the down payment and loan interest rate will be higher.

How to get a loan for the second suite? Procedures for the second suite

Nowadays, many people have spare money at home and will buy a second suite. The second suite refers to the second house bought by borrowing money, which is the opposite of the first suite. Although they all buy houses, the procedures for buying houses in the second suite and the first suite are different. The materials, documents and so on to be prepared are different. If you take the experience of buying the first suite, you may not succeed. Today, Bian Xiao will introduce you to the process of the second suite, hoping to help you.

Definition scope of the second suite

"Second Suite" is the abbreviation of the second set of ordinary self-occupied housing, which refers to the mortgaged housing that is approved by the borrower's family (including the borrower, spouse and minor children), and the per capita housing area of the borrower's family is higher than the local average level, and then applies for housing loans from commercial banks. First, the number of mortgage loans is determined by the borrower's family (including the borrower, spouse and minor children); Second, based on the total area of family housing released by the local real estate management department according to the housing registration information system, the per capita housing area of the borrower's family is higher than the local average housing level; Third, families who have used housing provident fund loans to buy houses and then applied for housing loans from commercial banks.

Second home loan policy

If 1 suite has used the loan to buy a house, according to the regulations, whether it is paid off or not, the second-home loan standard will be followed when applying for a house loan again. In addition to not enjoying the preferential interest rate, the down payment is increased by 10% and the interest rate is increased by 10%. On September 27th, 2007, the central bank and the China Banking Regulatory Commission jointly issued the Notice on Strengthening the Management of Commercial Real Estate Loans, which stipulated that the down payment ratio of the loan should not be less than 20% for the purchase of the first self-occupied house with a construction area of less than 90 square meters. Purchase the first set of self-occupied housing with a building area of over 90 square meters in Xing Tao, and the down payment ratio of the loan shall not be less than 30%; For those who have used loans to purchase houses and apply for the purchase of second and above houses, the down payment ratio of loans shall not be less than 40%.

Second home mortgage loan processing flow

1. The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract;

2. Eligible buyers apply for loans from loan banks and provide relevant certification materials;

3. The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal;

4. The law firm shall identify, investigate and analyze the borrower's credit certification materials and evaluation reports, and issue legal opinions;

5, after the approval of the loan bank, notify the loan applicant whether to agree to the loan;

6. The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities;

7. The purchaser signs a second-hand housing mortgage loan contract with the loan bank;

8. The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration;

9. After the loan contract comes into effect, the loan bank transfers funds according to the loan contract;

10. The borrower repays the loan monthly;

1 1. The borrower pays off the loan principal and interest and cancels the mortgage guarantee.

The above is what Bian Xiao will introduce to you today about how to borrow a second suite. I believe that after reading it, you already know the process and procedures of the second home loan. Compared with the first suite, both the complexity of the procedures and the loan amount have changed. This is to prevent some people from buying second-home real estate speculation, and the procedures will be more. If you really want to buy a second suite, you can refer to the above process and go through the formalities patiently.

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What are the conditions for a second home loan?

Many families will buy a second suite because one suite is not enough to live in, but the application conditions and loan conditions for buying a second suite are very strict. What are the conditions for a second home loan? How much is the down payment for the second home loan? Let's study with Bian Xiao.

1. What are the requirements for a second home loan?

1. The lender has full capacity for civil conduct.

2. The lender has an urban hukou in this city or a valid residence identity certificate.

3. The lender has stable economic income, good credit and the ability to repay the principal and interest of the loan.

4. The lender has continuously paid the housing accumulation fund for more than half a year before the loan.

5. The lender may provide the purchase contract or agreement of the house where it lives.

6. In the house purchase contract, the lender and the buyer have the same name, and in addition, there must be a written commitment from the owner (except the spouse) to agree to mortgage the house.

7. If the lender uses a commercial loan, it needs to have a house payment of not less than 30% of the total house value; If you buy a second-hand house, you need to pay at least 40% of the total value of the house.

8. The Lender agrees to handle the mortgage and insurance formalities of the house.

9. If you buy a commercial house, you need the developer to provide a regular guarantee and report the relevant credit materials.

10. The lender agrees to open a personal bank account with the loan bank, and then the loan bank will deduct the principal and interest of the second home loan from the account every month.

Second, how much is the down payment for the second home loan?

1, the down payment ratio of the second loan shall not be less than 60%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate.

2. The calculation method of interest on the second home loan is related to the down payment and the loan period. The following example shows that the loan is 300,000 yuan, which will be paid off in 20 years, and the principal and interest will be repaid in equal amount:

(1) If the house purchased by the lender is the first suite, then the mortgage interest rate for more than five years is calculated according to the current benchmark loan interest rate of 6.55%, then the lender needs to repay 2,245.56 yuan per month, and the total interest to be paid for 20 years is 23,934.338+08 yuan.

(2) If the house purchased by the lender is a second suite, then the mortgage interest rate is 1. 1 times of the benchmark interest rate, that is, 7.205%, so the lender needs to repay 2,362.96 yuan per month, and the total interest to be paid in 20 years is 267 109.23 yuan.

(3) From the results, it can be seen that after 20 years, the total interest to be paid for the second home loan will be 28 175.05 yuan more than that for the first home loan.

The second home purchase policy is strict, the loan amount is reduced and the loan conditions are harsh. If you want to buy a second suite, you must understand the relevant policies. The above is an introduction to the requirements of the second home loan and the down payment of the second home loan. I hope it helps you.