No problem.

Loan conditions of mortgage loan:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.

2. Can I buy a house after the mortgage loan?

Calculate how much it will cost to decorate the house. When buying a house, many people choose mortgage to buy a house. Mortgage can reduce the pressure on buyers to buy a house. So can I buy a house after mortgage? Let's take a look with Bian Xiao. 1. Can I buy a house after mortgage? You can go to mortgage to buy a house, but you can't enjoy some preferential policies issued by the state. If you borrow from a bank, the loan interest rate and down payment ratio will be higher. Secondly, property buyers don't have enough funds and their income can't meet the auditing standards of banks, so they will be considered as having limited repayment ability and it will be much more difficult to borrow from banks. Second, how to buy a house with a house mortgage loan is cost-effective 1. When looking for a lending institution, it is best to "shop around". The loan interest rates of different lending banks are different. Low loan interest rate can reduce the borrower's repayment pressure and save a lot of money all the year round. Therefore, when choosing a loan bank, we can compare several banks and choose a bank with lower interest rate, which is beneficial to the lender. 2. Determine a reasonable loan amount and term. When applying for housing mortgage loan, the lender should not only pay attention to the repayment method according to his own actual situation, but also choose the loan amount and term suitable for him. If the loan amount is higher and the loan time is longer, then the lender will have to pay more loan interest. 3. There are many ways to choose the right repayment method, which can provide the lender with choices. For different repayment methods, the interest is different. When the lender chooses the repayment method, it must choose according to its own situation, and should choose the repayment method that suits it. 4. After handling the repayable loan, if you have enough spare money in the later period, you can consider prepayment, which can save most of the loan interest. Editor's summary: The above is the relevant explanation about whether you can buy a house with mortgage loan, hoping to bring help to our friends. Enter the area and get the decoration quotation for free.

Third, is it cost-effective to buy a house with a mortgage loan?

From the loan interest rate, we know that when banks apply for loans, the loan interest rate will be different for different products.

The mortgage interest rate will be higher. The average interest rate of 202 1 first home loan is above 5.8%, while the mortgage interest rate is average.

Suppose A wants to buy a house with a price of 6,543,800 yuan. If you choose a mortgage, A will prepare a down payment of 300,000 yuan.

According to the loan interest rate of 5.8%, if the loan term is 30 years, a * * * needs to bear about 1.2 million loan.

And if A buys a house in full and then mortgages the house, the high probability is that the loan amount is about 700,000, and the loan interest rate is about 5%.

Of course, the bank will not allow A to apply for a 30-year mortgage term. According to 10 year, A needs interest.

In addition to saving interest, it can also save a tax, and because buyers buy a house in full, they can also negotiate the price of the house with the developer.

And the general approval period of mortgage loan is 1-2 months, and the approval period of mortgage loan is 2-3 working days.

Mortgage, also known as mortgage bank, fills in the application for mortgage loan and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. After passing the examination, the bank promises to issue the loan sales contract and mortgage loan contract concluded between the bank and the purchaser, and handle the notarization of real estate mortgage registration. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract.

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Personal housing entrusted loan refers to the purchase of ordinary housing by banks with housing provident fund deposits as the source of funds according to the requirements of the Regulations.

Self-operated loan

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

Consortium lending

Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there is housing.

Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.

Loan amount: 80% of the value of the loanable property after being audited by the bank.

The down payment for the second home mortgage requires a down payment of 50%.

Loan life: 30 years for first-hand housing loan and 20 years for second-hand housing loan, plus the age of the applicant.

Loan interest rate: the benchmark interest rate of the first home loan for more than 5 years is 6.55%, and the second home loan is 1. 1 times, that is, 7.26%.

way

There are three ways of housing loans, namely, bank commercial loans and reserves.