Nowadays, many people attach great importance to the sale of houses, which can be said to be very common now, but the operation process of this matter is not simple, and there are many factors related to the sale of houses, so many people attach importance to the way of payment. So what are the rules for commercial housing mortgage loans? What should I pay attention to when handling commercial housing mortgage loan?
Nowadays, many people attach great importance to the sale of houses, which can be said to be very common now, but the operation process of this matter is not simple, and there are many factors related to the sale of houses, so many people attach importance to the way of payment. Now the most common way to buy is loan, so let's take a look at the provisions of commercial housing mortgage loans. What should I pay attention to when handling commercial housing mortgage loan?
What are the mortgage loan provisions for commercial buildings?
1. How is the commercial housing loan stipulated? Commercial housing loans are granted to houses that have been completed and accepted. The down payment ratio of the commercial housing purchase loan shall not be less than 50%, the term shall not exceed 10 year, and the loan interest rate shall not be less than 1. 1 times of the same grade interest rate published by the People's Bank of China. The specific down payment ratio, loan term and interest rate level are determined by commercial banks independently according to the relevant principles of loan risk management.
2. How to calculate the loan for commercial and residential dual-use houses? If you apply for a loan in the name of "commercial and residential dual-use house", the down payment ratio shall not be less than 45%, and the loan term and interest rate level shall be implemented in accordance with the Provisions on the Administration of Commercial Housing Loans. Considering that some "commercial and residential dual-use houses" are really used to meet the housing needs of residents, the Notice increases the down payment ratio of "commercial and residential dual-use houses" from 40% to 45%, which is lower than that of commercial houses.
What should I pay attention to when handling commercial housing mortgage loan?
1. Before signing the contract, you should know the cooperative bank designated by the developer and ask yourself whether it meets the conditions for handling loans. In order to avoid the difficulty of checking out because the loan cannot be approved after signing the contract blindly.
2. You need to bring the original and copy of the basic certificate. They are: ID card of the buyer and seller, household registration book, marriage certificate, buyer's income certificate, bank running water, certificate of no room or first suite, down payment certificate, repayment card opened in loan bank, copy and original of house purchase contract, and real estate license. If a real estate agent is involved, a tripartite agreement is needed, and the bank loan officer will check, verify and copy the payment card opened by the seller in the loan bank.
3. The standard house sales contract text uniformly printed by the real estate management department shall be adopted. Fill in the items listed in the article item by item, and never be careless. Online signing is implemented in some areas, and the contents of the contract should be strictly verified when signing online. The purchase contract should only stipulate the down payment time and loan balance. Try not to agree on the time when the loan will arrive (the loan will be transferred from the mortgage bank to the developer's account), otherwise the buyer may be liable for payment breach for reasons other than his own.
Ask a lawyer or an expert to review the contract text for you from a legal point of view. Matters needing attention in signing a house purchase contract Pay attention to whether the rights and obligations in the contents filled in by both parties in the terms of the contract are equivalent. Reduce unnecessary losses.
The above content mainly describes what provisions I have for commercial housing mortgage loans? The introduction of all matters needing attention in handling commercial housing mortgage loans, as well as some relevant provisions of commercial housing mortgage loans, are described in detail in this article, hoping to help everyone, and some specific matters needing attention in handling are also mentioned in this article.
How to handle mortgage loans for mortgage houses?
1. Choose a lending institution: First, choose a suitable lending institution, which can be selected according to your own needs. 2. Fill in the mortgage loan application form and submit relevant materials: After the loan institution is selected, prepare relevant materials and submit them to the loan institution for loan application. 3. Preliminary review: Banks and other lending institutions will review their loan information and loan qualifications, and once they meet the loan application conditions of the institution, they will approve them. Article 9 of the Measures for the Administration of Urban Real Estate Mortgage: If more than two mortgages are set for the same real estate, the mortgagor shall inform the mortgagee of the mortgages already set. The creditor's rights secured by the mortgagor shall not exceed the value of the mortgaged property. After the real estate is mortgaged, if the value of the mortgaged real estate is greater than the balance of the secured creditor's rights, it may be mortgaged again, but it shall not exceed the balance.
What is the process of second-hand housing bank loan?
Second-hand housing bank mortgage loan process:
1. Submit loan information for preliminary review. The mortgage service company will ask the borrower to prepare the loan information and review it according to the requirements of the bank;
2. After approval, sign a loan agreement. The bank will evaluate and investigate your personal credit, financial situation and credit history. After the loan is approved, the borrower signs a loan agreement with the bank and notarizes the agreement, charging corresponding fees;
3. Handle the house transfer and mortgage procedures. The borrower shall go to the county (district) real estate trading center where the house is located to handle the house transfer and mortgage procedures, and submit the mortgage receipt to the loan bank for filing through the mortgage service company.
4. Apply for real estate license and mortgage certificate. After the lender's real estate license and other rights certificates are issued, the mortgage service company will hand over the information to the lending bank and wait for the bank to lend money.
5. Bank loans. After the bank receives the borrower's real estate license and other rights certificates, the mortgage service company will issue the bank's loan amount to the borrower.
legal ground
"Measures for the Administration of Individual Housing Loans" Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.
"Measures for the Administration of Individual Housing Loans" Article 8 The loan amount issued by the lender shall not be higher than the value of the house to be purchased assessed by the real estate appraisal agency.
Article 9 of the Measures for the Administration of Individual Housing Loans applies for the use of housing provident fund loans to purchase housing. After the loan application is approved, the lender will transfer the funds to the bank account opened by the selling unit according to the time stipulated in the loan contract.
Can I still apply for a mortgage loan after the transfer?
After the house is transferred, you cannot apply for a mortgage loan. You can only mortgage your house and apply for a mortgage loan.
According to Article 5 of the Measures for the Administration of Individual Housing Loans, the borrower shall meet the following conditions at the same time:
1, with urban permanent residence or valid residence status;
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
3. There is a purchase contract or agreement;
4. If there is no housing subsidy, not less than 30% of the total price of the purchased house shall be used as the down payment for the purchase; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;
5. There are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;
6. Other conditions stipulated by the lender.
Extended data:
Article 17 of the Measures for the Administration of Individual Housing Loans: If real estate is used as mortgage, the mortgagor and the mortgagee shall sign a written mortgage contract and go through the mortgage registration formalities at the department designated by the local people's government at or above the county level before the loan. The relevant contents of the mortgage contract shall be determined in accordance with the provisions of Article 39 of the Guarantee Law of People's Republic of China (PRC).
Article 18 The borrower shall properly keep the mortgaged property during the mortgage period, be responsible for repairing, maintaining and ensuring its integrity, and accept the supervision and inspection of the lender at any time. Before the expiration of the mortgage period, the lender shall not dispose of the mortgaged property without authorization.