If it is a house without a loan, you can use a portfolio loan, which takes a little longer and the minimum down payment can still be 30%. Explain a normal second-hand housing transaction process, regardless of the loan method, the buyer only needs to pay the down payment, and then he can go to the transaction center for transfer with the bank loan contract, and the rest of the money is directly transferred to the seller's account by the bank. Therefore, the main way is not feasible and risky. I guess there are three situations in this house. 1) The owner's loan has not been repaid. No money to pay back. I want to transfer ownership through refinancing. 2) The intermediary is too lazy to run a portfolio loan with you, because the trouble is small. 3) The owner does not want the buyer to use this combination because the time is too long. Finally, never help the buyer _ house. There are too many cases, search online by yourself.
2. Can I apply for a portfolio loan when buying a house in Zhengzhou? Process introduction!
There are many ways to buy a house with a loan. If your provident fund loan amount is insufficient, you can consider combining provident fund with commercial loans. Today, taking Zhengzhou as an example, the application conditions and process of a portfolio loan are introduced.
1. Application conditions: 1. The purchased property is a newly-built commercial residence in Zhengzhou (excluding second-hand commercial residence), and the real estate project is an access project for personal housing loans of entrusted banks, which has been filed in the management center; 2, in line with the housing provident fund and commercial bank personal housing loan conditions; 3. I and my spouse have no outstanding personal housing loans or other large debts; 4. Agree to guarantee according to the guarantee method recognized by the management center and the entrusted bank; 5. Other conditions required by the management center and the entrusted bank. Two. Zhengzhou portfolio loan application process 1. The borrower applies to the management center with the corresponding application materials. If it meets the requirements after examination, fill in the Approval Form for Individual Housing Portfolio Loan and forward it to the entrusted bank to confirm whether it meets the individual housing loan conditions of commercial banks. 2. Borrowers who meet the conditions for personal housing loans of commercial banks shall handle the procedures for personal housing loans of commercial banks with the application materials and entrusted banks. 3. The borrower shall go through the formalities of housing provident fund individual housing loan with the approval form for individual housing portfolio loan and the application materials confirmed by the management center and the entrusted bank. 4. The borrower shall handle loan guarantee, house mortgage and other procedures with the Approval Form for Individual Housing Portfolio Loan approved by the management center and the entrusted bank, and sign the Individual Housing Portfolio Loan Contract at the same time. 5. After the management center and the entrusted bank agree on the loan issuance date, the guarantee company will issue loan guarantee and guarantee certificate to the management center and the entrusted bank respectively, and the three parties will exchange individual housing portfolio loan contracts and issue loans according to the agreed date. 6. The borrower starts to repay the principal and interest of the portfolio loan on the day after the loan date, and receives normative texts such as the Mortgage Contract and the Individual Housing Portfolio Loan Contract according to the notice of the guarantee company.
Third, Zhengzhou housing portfolio loan problem.
How to buy without a down payment? Unless you buy a second-hand house, the evaluation is very high, for example, the transaction price is 750,000, and you spend money on the evaluation of 654.38+00,000, and you can get a loan of 700,000 with almost no down payment, provided that you negotiate with the seller, it is generally not easy to do so much, so you have to spend money. The greater the risk that banks take. Also, although the interest rate of provident fund loans is low, its amortization rate of provident fund is low, which is sometimes not as good as that of commercial bank loans and provident fund amortization. Moreover, the amount of provident fund loans is limited. How much do you want to calculate? Search the loan calculator online and you can work it out. It's simple!
Fourth, Zhengzhou housing portfolio loan problem.
Portfolio loans are provident fund commercial loans. The first is the quota: there is an upper limit for provident fund loans, like the 300 thousand you mentioned above. As for commercial loans, strictly speaking, there is no requirement, and income = twice the monthly repayment amount of commercial loans. Term: 30 years for general commercial banks-existing house age = loan period (calculated by the maximum age of 30 people, for example, the loan period is obtained at the age of 7 (up to 30 years).