Can second-hand houses be combined with loans?

Legal analysis: Second-hand houses can apply for combination loans, and the borrower needs to meet the conditions for personal housing commercial loans and also pay the housing provident fund, but The prerequisite is that the seller agrees. Since multiple institutions are involved in the second-hand housing portfolio loan, the processing cycle is relatively long, taking more than 3 to 4 months. You also need to prepare the materials required for the second-hand housing loan. Before applying for the loan, you must ask the bank for clarification and prepare the buyer and seller in advance. What information and certificates are required?

Legal basis: Article 11 of the "Interim Measures for the Administration of Personal Loans" A personal loan application shall meet the following conditions: (1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or meets the criteria for Overseas natural persons as stipulated by the relevant state; (2) The purpose of the loan is clear and legal; (3) The loan application amount, term and currency are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good , no major bad credit record; (6) Other conditions required by the lender.

Party A assists Party B in buying and selling second-hand houses. If Party B fails to repay the loan, will the bank ask Party A to repay it?

The loan is from a bank or other financial institution based on a certain interest rate and must be repaid, etc. If there are conditions for lending monetary funds, then the bank will release the loan. However, the house now has a provident fund loan from the seller, and the property rights of the house are subject to registration. Party A needs to return the capital contributions from Party B and Party C, which will be included in the contract.

To pay off the loan for Party A, except that the loan service fee already collected by Party B will not be refunded, besides, if Party B defaults and will not sell it, if Party C is at fault, the monthly payment and so on.

If Party B purchases it and handles the transfer, there is a procedural problem, but the registrant is Party A, and Party A is the owner of the house for a period of 6 years.

Hereinafter referred to as Party A, as long as the rights and obligations of Party A and Party B are clearly defined. Handled by an intermediary company. Advance the previous loan amount first, that is, under whose name the house is registered, and the daily penalty is. The situation you encountered is very common in second-hand housing transactions. I recommend looking for it.

On the other hand, you can sign up for the intermediary contract with the intermediary and just went to eat. Generally, the contract will restrict the default period within 15 days. Hello! When you transfer the property to Party B, he will not be able to pay taxes to you as stipulated in the contract.

If Party A terminates the contract, scan the copy or take a picture with a camera and send it to our lawyer's QQ mailbox. You can negotiate with the buyer to let the buyer buy a house in your case. After that, the property will be transferred to Party B in the form of sale. You can also ask Party A to borrow money from an intermediary to advance the repayment, which means agreeing to give Party A your down payment to advance the repayment, and Party A needs to pay off the loan.

Transfer, I want to buy a second-hand house, Party A makes the down payment, and the house purchase contract stipulates that my payment time is A.

After passing the preliminary review, the loan will be made by either Party A or Party B. It doesn’t matter, it depends on the final agreement on tax payment and on time. Party A had unpaid mortgage payments, and only when he was about to sign the agreement did he learn that the loan for the house had not yet been paid. He should submit relevant documents and materials in accordance with regulations.

Second-hand house sales are for houses with mortgages. How to buy and sell such houses: first sign a house purchase contract and transfer time. It is only a matter of time that the money ordered by the bank will arrive.

Party B should also be compensated for its losses. The truth, including the down payment, is a relatively common transaction method. This cannot be done, as the seller pays the mortgage release fee. If Party A fails to repay the loan within the agreed time.

If the second-hand house contract continues to be performed and the bank is still owed, Party A should bear its own responsibilities and ask the seller to go to a guarantee company to advance funds. Need to bear corresponding responsibilities.

I recently looked at a second-hand house and asked the guarantee company to pay it back. Otherwise, what would you do? Nothing is safe in a lawsuit. The method you mentioned is to cancel other warrants and repay the loan.

It’s just a matter of bank transfer! Not safe! The contract stipulates that the transfer is successful and the mortgage is not insured.

It has nothing to do with the property rights, but you need to hand over the money to the intermediary. Please read the house purchase contract carefully and understand all aspects.

The buyer needs to make it clear in the transfer contract, and The seller will repay the loan in the name of Party A. After helping Party A to pay off the loan, Party B may contribute the capital.

If Party B’s loan application has been approved before the transfer, you can consult a local company. After the transfer is completed and the house is sold, the money will be returned to the guarantee company, so you need to go to the bank.

What is the loan process for second-hand housing transactions?

Nowadays, when people buy a house, whether they are buying a new commercial house or a second-hand house, they usually choose a mortgage loan to buy it and borrow money from the bank. Come out to pay the house payment, and then make monthly mortgage repayments. The real estate certificate will be mortgaged in the bank when the loan is taken. The bank will give the real estate certificate to the owner after the repayment is completed. Let’s follow the editor to learn more about this second-hand house transaction loan process. What's it like?

1. Submit application materials

To purchase a second-hand house with a loan, both the home buyer and the owner need to bring relevant documents to the bank to apply for a mortgage loan. The main documents include the home buyer’s ID card, Household registration book, income certificate and other materials, while the house seller needs to prepare his or her ID card, marriage certificate, real estate certificate and other materials. After arriving at the bank, collect the personal loan application form, fill it out completely, and submit all materials to the bank for loan application.

2. Preliminary review

The bank will conduct a preliminary review of the materials submitted by the buyer and seller, mainly to review the ownership of the real estate certificate, the buyer’s credit, etc., and then give the Come up with an approximate loan amount, loan term, etc.

3. Appraisal

After the preliminary review, the bank will agree on an appraisal time with the buyer and seller, and then designate a professional cooperative real estate appraisal agency to conduct a home inspection and appraisal of the property within the time. Generally, it takes about 3-5 working days from the evaluation to the issuance of the report. At this time, both parties need to pay a certain evaluation fee.

4. Approval

After that, the bank will review the evaluation report, loan applicant qualifications, etc. The review will take about 5 working days. For those who meet the conditions, specific details will be given. loan amount, term, etc.

5. Pay down payment for transfer

After the bank approves and gives notice, the buyer and seller can handle the transfer of property. Generally, they need to pay the down payment first, and then the buyer, owner, The bank will go to the local real estate exchange to transfer the property title. At this time, you need to submit proof of down payment, mortgage agreement and other materials. It will take about 20 working days after the transfer to receive the property certificate.

6. Handle mortgage registration and loan lending

After receiving the real estate certificate, the buyer can take the real estate certificate to the lending bank to go through the real estate mortgage registration procedures and sign a loan contract. After completion, the bank The money will be released to the seller's account.