Which ICBC branches in Fuzhou can handle second-hand house mortgage loans

Which ICBC branches in Fuzhou can handle second-hand house mortgage loans. Inquiry based on relevant information: Industrial and Commercial Bank of China (Fuzhou Liming Branch) No. 69 Gaoqiao Road, Gulou District, Fuzhou City. Fuzhou, also known as Rongcheng or simply Rong, is located in eastern Fujian and along the lower reaches of the Min River. It is the capital of Fujian Province, a famous historical and cultural city in China, an important city on the southeast coast, and the center of the modern financial services industry in Haixi. As one of the largest cities in China, Fuzhou is also the ancestral home of more than 3 million overseas Chinese and is a major hometown of overseas Chinese in Fujian.

Fuzhou second-hand house loan process

Mr. Wang from Fuzhou feels that his economic conditions are average and he cannot afford a first-hand house, so he wants to take a loan to buy a second-hand house, but he heard that the process is more complicated. , I don’t know it myself, so I will sort out the process of buying a second-hand house loan in Fuzhou here, hoping to help people who want to buy a second-hand house loan.

Fuzhou second-hand house loan process:

1. After the house buyer selects the house and inquires about the relevant conditions, he signs a house sales agreement or house sales contract with the house seller;

2. If the house buyer meets the loan conditions, he or she shall submit a loan application to the lending bank and provide relevant supporting materials (proof of identity, income certificate, etc.);

3. The buyer and seller shall go to the lending bank to obtain a loan application approved by the lending bank. The appraisal agency evaluates the house;

4. The law firm authenticates, investigates, and analyzes the borrower's credit certification materials and appraisal reports, and issues a "Legal Opinion";

5. The lending bank will conduct approval and notify the borrower after successful approval;

6. The buyer and seller will go through the property transfer procedures. After the transfer, the borrower will go to the bank to handle the loan procedures;

7. The borrower signs a second-hand house mortgage loan contract with the lending bank;

8. The buyer and seller submit the transferred house ownership certificate to the lending bank for mortgage registration procedures;

9. Loan contract After it takes effect, the lending bank will lend according to the loan contract;

10. The borrower will repay the principal and interest in full every month;

11. The borrower will repay the principal and interest of the loan and release the mortgage guarantee.

Precautions for second-hand house loans in Fuzhou

When buying a house with a loan, second-hand houses are a good choice. This can reduce the pressure on the borrower, but when choosing a second-hand house loan There are some areas that require special attention, such as the age of the house, location of the house, etc. But many people don’t pay so much attention, and they are the ones who suffer the consequences. Today I will briefly introduce what should be paid attention to when choosing a second-hand housing loan?

1. House age

The age of second-hand houses has become an important review criterion for many banks to issue loans. The shorter the age of the house, the easier it is to obtain a loan; on the contrary, the age of the house The longer it is, the lower the loan-to-value ratio, and the bank may not even grant the loan.

2. The location of the house, unit price, area, etc.

If the location of the house is relatively good, the unit price is relatively high, and the area is large, it will be easier to obtain a loan; if the location is Houses that are remote, have low unit prices, and are small in area have lower loan ratios, and banks may even refuse to lend them.

3. The borrower’s age, personal credit and repayment ability

For those borrowers who are older, have poor credit, and have low repayment ability, the loan percentage The lower it is, the loan may not even be granted.

4. Number of houses loaned

If the borrower takes a loan to buy more than a second house, the loan ratio will be reduced, and the loan may even be denied.

5. If the borrower has an out-of-town residence, the loan percentage may also be reduced

Before formally signing the contract, the house buyer should have a copy of the seller’s property ownership certificate and proof of his or her income and other materials. Go to the bank for detailed consultation and make sure you know what to do before signing the contract to avoid losing money.

Can provident fund loans be used to buy second-hand houses in Fuzhou

Yes, but the following conditions must be met: the loan must be used to purchase houses with independent property rights or independent rights in Fuzhou Self-occupied housing (excluding villas).

Specifically, it includes "second-hand" housing with steel-concrete structure; when applying for a loan, the housing provident fund account of the borrower is in a normal state and the housing provident fund has been paid in full and on a monthly basis for more than 6 months (inclusive); in the name of an employee's family Those who have no house or only one house (excluding the house for which this loan is applied).

That’s it for the introduction of second-hand housing loans in Fujian.