The total price of a house is high, and those who just need it have to buy a house through a mortgage loan. When buying a house with a loan, what many people are most concerned about is their loan limit and whether they can successfully apply for a bank commercial loan. When taking a mortgage loan, you need to know the following things:

1. How is the amount of a commercial loan determined?

The loan amount is generally related to factors such as the loan applicant's bank statement and income certificate, and is subject to the bank's final approval. There is no maximum limit for a single loan, but the bank will determine the maximum loan amount based on the monthly repayment ability of the loan applicant. The maximum loan amount shall not exceed 80% of the total house price, and the second-hand house shall not exceed 70%.

The method for calculating the loan limit based on the repayment ability is as follows: the repayment ability after the household monthly income minus living expenses and other expenses is divided by the monthly repayment amount per 10,000 yuan for the corresponding loan period to obtain the loan limit. .

2. What aspects will the bank review?

Many people believe that after their property is supported by a bank mortgage, they naturally assume that they will be able to obtain mortgage approval from the bank. This is actually a misunderstanding. In fact, the bank decides whether to approve the mortgage application based on the following two aspects.

1. Applicant’s creditworthiness certificate

Applicants must provide their ID card, household register, marriage certificate and other identity information. At the same time, present the income certificate and tax payment certificate issued by the applicant's unit. If you have a part-time job, please provide proof of part-time income. In addition, personal financial information is required, including savings, private car ownership, securities and other assets. The original passbook or deposit certificate issued by the bank should be presented.

2. Relevant house purchase documents that loan applicants must submit

Including the formal "Pre-sale Contract of Commercial Housing in a certain city" registered with the Real Estate Bureau, etc., and also include bank requirements Other documents provided.

Therefore, when buying a house loan, it is necessary to learn from the bank or the institution designated by the bank about the regulations for home buyers to obtain mortgage loan support, and prepare relevant documents to avoid encountering a situation where the mortgage loan application cannot be approved and cause problems to yourself. Not a small loss.

3. What should I pay attention to during the bank interview?

After the bank reviews the relevant information, it will be followed by an interview. When interviewing at the bank, you need to pay attention to these:

1. Proof of income. The official seal of the unit or the seal of the human resources department must be stamped, and the income certificate must be guaranteed to be more than twice the monthly payment, otherwise the loan limit will be affected. If the income is not enough, you can add more borrowers. In addition, if there are other loans that have not yet been repaid, the income certificate must be more than twice the total monthly repayment of all outstanding loans to obtain bank approval. If you expect to repay early, you must also contact the bank Confirm the penalty for early repayment.

2. Marriage certificate. If you are married, both husband and wife need to be present, and you need to bring your household registration book, marriage certificate, education certificates of both parties, income certificate, statement, business license copy with official seal (required for self-employed individuals), bank card, etc.; if you are unmarried, you need to provide your identity Certificate, household register, academic certificate, income certificate, statement of account, copy of business license plus official seal (required for self-employed individuals), bank card.

3. If it is a second home, you need to provide the property ownership certificate and loan contract (settlement certificate) from the first home purchase.

4. Sign the contract online. At present, all banks have reviewed online contracts as a necessary document, so online contracts must be provided. The bank will approve the loan amount based on the principle of whichever is lower, the appraised value of the house and the contract price signed online.

Many people are stuck at the bank loan level after paying the down payment for buying a house. Due to bad personal credit or other reasons, the loan application cannot be processed. At this time, if the developer requires you to pay the balance in one lump sum, otherwise it will be troublesome if the down payment is confiscated and the agreement is terminated. If the loan cannot be applied for, it will be more difficult for home buyers because they do not have that much money for a one-time payment, and it is not easy to check out.

Here, I would like to remind everyone that when signing a house purchase contract, if the developer promises to provide a mortgage, the developer’s commitment to the mortgage loan must be written into the contract. In addition, it must be clearly stated in the contract The payment method or settlement method after the mortgage cannot be processed. For example, the home buyer can ask the real estate agent to write in the contract: If the buyer has provided the corresponding documents in accordance with the bank regulations and completed the mortgage loan application procedures within the specified time, If the lending bank refuses to provide a loan to the buyer, the buyer can choose among the following methods: 1. Terminate the sales contract, and the seller will refund all the house payment and interest received within 3 days from the date of termination of the contract; 2. Sell People choose other payment methods and enjoy corresponding discounts.

(The above answer was published on 2016-04-12, please refer to the actual relevant current house purchase policies)

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