Yes, if you still have a loan on your previous property, you need to find a loan company to help you out. You must repay your previous mortgage before you can refinance.
2. Can mortgage bank loans be used for down payment?
If the purpose of personal loans is clear, we will not support the down payment for house purchase for the time being.
Third, is it ok to pay the down payment for the house mortgage loan?
You can get two mortgages.
House mortgage:
Application conditions:
1, nature of the house; Houses, office buildings, villas, commercial houses, houses and affordable housing (strict requirements for affordable housing) have clear property rights within 20 years.
2. The mortgagor (normal age 18-65 years old) is in good health.
3. The Mortgagor has not participated in the credit investigation in recent 24 months.
4. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). )
5, the actual use of funds is clear.
Prepare information:
1, original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required).
2. Proof and copy of the borrower's marital status
3. Proof and photocopy of family property and car ownership, and other assets proof materials (original and photocopy of house ownership certificate, land use certificate and deed certificate).
4. Statement of personal main bank account from June to1February (with official bank seal)
5, work unit income certificate
6. Proof materials such as family private lending articles.
7. Evaluation report
Process: submit materials → sign bank documents → house evaluation → bank approval → bank loan → mortgage registration → monthly repayment.
Fourth, take the existing real estate as a mortgage loan, can the loan be used as a down payment?
This can't be said in general.
1, depending on the remaining space of the property value.
In principle, before the mortgage is settled, the property right is pledged to the other bank, which is not entirely yours. The maximum mortgage of the property is generally 70%.
For example, if the value of your property is 1 10,000, you pay a down payment of 30% and a mortgage of 700,000 yuan. After only a few months, the basic remaining mortgage principal has not changed.
Then the space for secondary mortgage = present value of the property 1 10,000× 70%-mortgage balance of 700,000 = 0.
This is already the most ideal state, because the average secondary mortgage ratio is 4.5-60%, and 70% is hard to come by.
Unless, in just a few months, the value of your property skyrockets, or your down payment ratio is high.
2, the holder time
First of all, we must understand that credit loans may not need the original property certificate, but mortgages must provide the original property certificate. Many real estate licenses are said to be placed in the mortgage bank before the mortgage is settled, or the unified handling of the community has not been completed at all. There is also a postscript to the real estate license, which is added by the mortgage bank, such as "no transfer or mortgage before the mortgage is settled", and this kind of mortgage can no longer be done.
If you have a certificate and don't have that sentence, that's fine.
Moreover, banks or financial institutions generally require certificates for half a year or more for the second mortgage of mortgage houses.
Step 3: Interest
Regular banks generally don't accept mortgages, but there are some, such as CCB and ICBC, but they all require to be business owners with high residual value of real estate.
Banks have high requirements and low ratios, but low interest rates.
If it is a financial institution, the requirements are low and the percentage is high, but the interest is also high. Interest is basically 2-4 times that of banks, such as Ping An Pratt & Whitney, Dida, Bank of China and so on. There are too many mortgage financial institutions.
Generally speaking, newly mortgaged properties rarely encounter secondary mortgages, and space alone is stuck.