The first anniversary of repayment will be 65438+1October 23rd next year!

2. When does the mortgage start to count for one year?

The time to purchase a house by loan is counted from the date when the bank lends money. After the bank lends money, it will send a short message to the lender, telling the lender what the monthly repayment date is and what the monthly repayment amount is. The service life of the house is based on the service life of the land, and the calculation time starts when the developer takes the land. Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased. The types of housing loans provided by banks mainly include enterprises and individuals. Personal housing loans can be divided into personal housing provident fund loans and personal housing commercial loans, entrusted loans, self-operated loans and portfolio loans. Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center. Personal housing loan refers to the loan issued by the borrower to the bank with the purchased house as collateral, including forward mortgage loan and existing home mortgage loan. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount. Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years. Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years. Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.

Third, why do you say that the mortgage is still full for one year before you can change rooms?

Yes, you can sell it after the loan is settled and decompressed and the real estate license is obtained. Real estate decompression process: after paying off the mortgage, the bank will issue settlement procedures within 1-3 working days. With the settlement procedures, you can go to the real estate bureau, then you can cancel the mortgage and go through other transfer procedures. The following materials shall be submitted for the property transfer formalities:

1. Personal mortgage of creditor's rights: cancel at the trading center with my personal certificate and creditor's receipt or running bill (with correct amount) and debtor's ID card (or copy of business license) that can be proved to creditors;

2. Bank credit mortgage: When an individual requests a loan, he should bring the information provided by the bank, including (a copy of the borrowed bank business license, a copy of the legal person, a copy of the client, a certificate of other rights, etc. ) and the real estate license to the trading center for cancellation.

4. When does the mortgage start to count for one year?

The time for mortgage of loan to purchase a house is counted from the date of bank lending. After the bank lends money, it will inform the lender whether the monthly repayment date is short.

The service life of the house is based on the land, which is calculated from the time when the developer takes the land.

Housing loan is a form of housing loan support provided by banks and other financial institutions, and the purchased houses are usually used as mortgages and commercial loans. According to the repayment method, it is divided into equal principal and interest repayment method and equal loan interest rate, which is slightly higher than the loan interest rate of the same bank in the same period.

The types of housing loans provided by banks mainly include enterprises and individuals: personal housing provident fund loans and personal housing commercial loans, loans and portfolio loans.

Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period apply to the fund management center when housing (including second-hand houses) is secured by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.

Personal housing loan refers to the loan issued by the borrower's bank, including forward mortgage loan and existing mortgage loan. Among them, the auction house refers to the house under construction or the house that has been completed and accepted and is handling the real estate license, and has passed the acceptance and obtained the real estate license. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.

Personal second-hand housing loans refer to bank loans. Among them, the second-hand house refers to the house that has obtained all property rights and can enter the secondary market of real estate. The room age is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.

Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the longest loan period shall not exceed.

Personal housing consumption loan refers to the loan issued by the bank to the borrower, and the loan period does not exceed 10 year.