Generally, what we talk about the most is that parents buy houses for their children, what school district to buy, good location, close to work and so on; And rarely talk about children buying houses for their parents and what kind of houses to buy for their parents. Choosing a house for parents is different from choosing a house for yourself, so can parents give their children a loan to buy a house? What should I pay attention to when buying a house for my parents?
Generally speaking, we are talking about parents buying houses for their children, what school district to buy, good location, close to work and so on; And rarely talk about children buying houses for their parents and what kind of houses to buy for their parents. Choosing a house for parents is different from choosing a house for yourself, so can parents give their children a loan to buy a house? What should I pay attention to when buying a house for my parents?
Can parents give loans to their children when they buy a house?
Parents can buy houses for their children.
However, if parents buy a house and borrow money in the name of their children, they need their children as the first lender and their parents as the second lender, and they need ID cards, household registration books, marriage certificates, income certificates and bank accounts. (Married couples provide information) Parents also need to provide these information.
What should I pay attention to when buying a house for my parents?
1, pay attention to whether life is complete.
When you are old, your body is prone to such and such problems, and medical care is inevitable. Therefore, providing high-quality medical resources in neighboring areas has become one of the issues that many young people should consider when choosing their parents' homes. Older people rely more on public transport system for travel. Therefore, when choosing housing for parents, a good bus system is also an important factor that must be considered. After retirement, parents have more leisure time, coupled with physical needs, many parents are willing to go out for a walk, have a look and exercise.
2. The community environment is livable
Compared with the surrounding environment, parents mostly stay in their own houses and small areas. Therefore, the next object to consider is the community environment. A residential area suitable for the elderly usually needs to meet the following conditions: good greening, adequate fitness and entertainment venues, convenient community medical services, home delivery of convenience stores, reasonable age structure, stable living neighbors and adequate barrier-free facilities.
3. Good property services
A good residential property can not only make the residential environment more tidy and orderly, but also provide more thoughtful and convenient services. When parents are old, some things are difficult to do by themselves, such as repairing toilets. In this case, if there is timely and thoughtful property service, it will save a lot of effort. It would be better if the real estate can often organize some entertainment activities for the elderly.
4. Respect parents' wishes
Finally, buying a house for parents is still in accordance with their wishes. Which one to choose is up to them. After all, some living habits are deeply rooted and difficult to change. So when choosing a house, bring your parents and listen to their opinions.
Can parents give loans to their children when they buy a house? The whole content of what should be paid attention to when buying a house for parents, and the problems to be considered when buying a house for parents are completely different from those of young people. From the surrounding facilities, the surrounding environment to the interior design, we must consider it. Specific attention should be paid to supporting facilities, living areas, huxing three aspects. Besides, the most important thing is to respect parents' wishes.
Can parents give their children a loan to buy a house? I didn't know until I saw it.
With the development of society, it has become very common for parents to buy houses and loans for their children, because the price of good lots is too expensive for them to afford. As a parent, it is generally to give the down payment to the child first, and then let the child borrow money to buy a house. So can parents give loans to their children when they buy a house? Let's meet today!
Can parents give their children a loan to buy a house?
After parents buy a house, their children can get a loan, but they must meet certain conditions. Details are as follows:
1. Parents need their children as the first lender, and parents as the second lender need to provide ID cards, household registration books, marriage certificates, income certificates, bank accounts, etc. Both parents should provide it.
2. Under normal circumstances, men under 60 and women under 55 can apply for bank loans. Because of the problem of proof of income, children can sign the bank loan information as * * *, and children can not show it on the real estate license.
3. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.
4. The credit is good, the credit record meets the requirements of the bank, and there is no default in the loan business handled by the bank at present.
5. The loan period for house purchase and the age of the borrower shall not be greater than 70 years.
It is worth noting that whether parents can get loans for their children when buying a house depends on how local policies stipulate. For example, in Shanghai and Shenzhen, the children of the applicant can be the same applicant, and the children can also help their parents repay the loan.
The above is the answer about whether parents can buy a house, hoping to help everyone solve problems in life.
Can a daughter borrow money to buy her parents' house?
Generally speaking, parents can borrow money to buy a house if they meet the relevant conditions. If parents buy a house, their children can be the main lenders.
Parents can borrow money to buy a house. If parents buy a house loan in the name of their children, they need their children as the first lender and their parents as the second lender, and they need ID cards, household registration books, marriage certificates, income certificates and bank accounts. (Married couples provide information) Parents also need to provide these information. Can only be purchased in the name of parents. If your parents are under the age of bank loans, you can also take out loans.
At present, the general bank loan age, men do not exceed 60 years old, women do not exceed 55 years old, can be loaned. If there is any problem with the income certificate, the child can sign the bank loan information as the repayment party, and the child can not show it on the real estate license.
Can children borrow money to buy their parents' house?
You can apply for a second-hand housing mortgage loan.
Second-hand housing mortgage loan application process
I. Submission of materials and applications
The buyer and the seller bring all relevant materials to the bank, collect and fill in the application form for personal loan of second-hand house, and then submit all materials to the staff for review. The staff will make a preliminary evaluation of the materials, give the approximate loan amount and service life, and finally the three parties will agree on the time, and the bank will contact the designated real estate appraisal agency to inspect and evaluate the house.
Second, evaluation
According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.
Third, bank approval.
Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days.
Fourth, pay the down payment and handle the transfer.
After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.
Five, do real estate mortgage registration, insurance procedures, bank loans.
After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule as agreed in the contract.
Extended data:
First, the second-hand housing mortgage loan application conditions
1. Legal and valid identity documents of the borrower.
2. The borrower's economic income certificate or occupation certificate.
3. The account book of the borrower; 4. Borrowers with spouses need to provide proof of marital relationship.
4. If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment obligation of * * *.
5, the purchase of second-hand housing property certificate
6. The house sales contract signed with the seller and the transfer account number provided by the seller.
7. If the collateral needs to be evaluated, a collateral evaluation report issued by an evaluation institution recognized by the lender shall be issued.
8. The property right of the house purchased * * * A written authorization document that someone agrees to sell the house.
Second, the second-hand housing mortgage loan application materials
1, ID card (husband and wife), temporary residence permit (migrant population)
2. Household registration book (both husband and wife)
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate)
4. Proof of income or solvency (unit)
5. Copy of business license stamped with the official seal of the employer (presented by the employer)
6. Certificate of academic qualifications (provided by junior college or above)
7. Current passbook of the applicant's loan bank.