What are the conditions for buying a house loan?
1, with a house purchase contract, you can get a loan. Buyers who buy faster houses by mortgage apply for loans on the basis of purchase contracts.
2. However, if a second-hand house wants a loan, it must first apply for the transfer of the real estate license. Only when you have a real estate license can you go to China Merchants Bank and credit cooperatives to apply for mortgage loans. Only signed second-hand houses cannot apply for mortgage loans. Negotiate with the developer to cancel the record and sign a new contract, so that you can buy a first-hand house with a down payment of 30%. However, if the developer has already set up a house permit, it will be more difficult to cancel the record.
3, let him handle the real estate license, and then you transfer the ownership. This method is not very good, because he needs to pay the deed tax when handling the real estate license, and you also need to pay the deed tax when transferring the ownership, so you pay two yuan, and this is a second-hand house mortgage, and the loan down payment is relatively high! Your landlord's mortgage sale is troublesome, so I suggest you adopt the first method.
What are the precautions for signing a housing loan contract?
1, find out the parties in the contract. In the process of buying and selling new houses, the signing of the contract involves two parties: one is the buyer and the other is the developer. Property buyers, that is, the "buyer" in the purchase contract, will become the owner recorded in the real estate license; Need to pay the house price; Once the contract is violated, it shall be liable for breach of contract. Verify the condition of the house. When you look at the house, you can understand it from the following aspects: housing construction status, housing community status and housing rights. The verification of these situations will help you control the actual cost and risk of the transaction; Liability for breach of contract.
2. Clarify the transaction procedures. Second-hand housing transactions can be divided into several major steps, such as looking at the house, signing a contract, paying the down payment time according to the contract, transferring ownership, handing over the house and giving the balance. Attention should be paid to these steps: keep the transaction evidence, transfer the ownership only when everyone on the property certificate is present, and check whether the other party has paid the property fee, water, electricity and gas fee when handing over the house. Clarify the liability for breach of contract. Clear and strict liability for breach of contract with the seller is the guarantee for both parties to fulfill the second-hand housing sales contract in good faith. In practice, small down payment punishment or simple "the breaching party should bear the losses of the observant party" lacks practical effect.
3. The Buyer and the Seller shall carefully read the contents of this contract. If they have different understandings of the terms and professional terms of the contract, they can consult the local real estate development authorities. If there is no objection, it shall be deemed that both parties agree. Before signing the contract, the seller shall show the relevant certificates and supporting documents provided by the seller to the buyer. The terms of the contract shall strictly abide by the People's Republic of China (PRC) Contract Law, the People's Republic of China (PRC) Urban Real Estate Management Law and other relevant laws and regulations, and shall be interpreted by the Ministry of Construction of People's Republic of China (PRC) and the State Administration for Industry and Commerce.