Legal analysis: the application conditions for housing (house) mortgage loan guarantee are as follows: it is ok to buy a house with housing mortgage loan. Have legal status; 2. Have a stable economic income, have the ability to repay the principal and interest of secured loans, and have no bad credit record; 3. There is a legal and effective purchase contract; 4. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; 5. If the mortgage loan guarantee has been purchased and handled, the original mortgage loan guarantee has been repaid for more than one year and the loan has been executed. Legal basis of mortgage loan guarantee: laws, regulations and rules on loan implementation Article 3 The issuance and use of loans shall abide by the laws and administrative regulations of the state and the administrative regulations issued by the People's Bank of China, and follow the principles of efficiency, safety and liquidity.
Second, the personal mortgage credit loan takes the newly purchased house as the mortgage credit loan, and the starting date of the validity period is the purpose of signing the Personal Housing Loan Contract ().
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The validity period of personal mortgage credit loan is 30 years at the longest. The specific provisions are as follows: (1) If the newly purchased house is used as a mortgage credit loan, the effective period starts on the day before the signing date of the individual housing loan contract; (If it is converted into a personal mortgage credit loan, the starting date of validity is the day before the original mortgage loan issuance date; (3) It can exceed the maturity date of the mortgage credit loan.
Third, hello, does it matter if you buy a house mortgage loan after an interest-free commercial loan?
The mortgaged house can be mortgaged to the bank for a second loan.
In the second mortgage, there are not many loan institutions and banks to choose from, so which one to choose for real estate has become a headache for many customers, because it is very important to consider security, interest rate, quota and loan. The speed difference between different banks and institutions may be about 1 month. Then, which bank is good for the second mortgage of real estate? Which bank has the lowest interest rate for the second mortgage? Compared with different application conditions, banks have different conditions for applying for secondary mortgage of real estate, such as credit status, personal income, work unit and repayment ability. When a loan company applies for a second mortgage of real estate, it mainly depends on whether the real estate value is high or not and whether it has liquidity. Credit status is good or bad. Borrowers with debts can generally borrow from banks or loan companies as long as they can provide qualified real estate for secondary mortgage. Compared with credit loans, the secondary mortgage risk of real estate is lower, because there is real estate as a guarantee for bank loans. But at present, the interest rates of two mortgage products of different banks are different, and the loan interest rates of the same bank in different regions will be different. At present, the second mortgage interest rate of bank real estate is floating on the basis of the benchmark interest rate. 20 17 The benchmark annual interest rate of banks is within one year (including one year), 4.35%, 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it Compared with the approval speed, the two mortgage banks have many processes and the approval time will be longer. It will take about 20 working days at the earliest to get the loan. The loan company has simple procedures and quick approval, and it usually takes 10 working days to get the loan. Comparing the loan amount Generally speaking, the loan amount of the second mortgage bank of real estate is related to the assessed value of the house, and the highest is about 70%. Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing hotline: 0769-33888836 IV. Does the existing mortgage loan have an impact on the new housing loan?
It must have an impact!