Loan Scheme Consultation-Collateral Evaluation-Pre-trial loan information through signing a loan contract (next home)-Loan information is entered into the bank, and the bank reviews it-The real estate trading center handles mortgage transfer (next home)-New property right certificate and mortgage certificate of other rights are obtained-The bank issues loans.
In addition, there are several issues that need attention.
1. Which second-hand houses can borrow from banks?
There are two ways to get loans: the first is to buy public housing that can be sold according to regulations and need housing loans; Second, the purchase of second-hand houses with property rights requires housing loans.
Second, meet the application conditions for second-hand housing loans:
Domestic: 1, permanent residence in this city. 2. Foreigners who live and work in this city need to provide temporary residence permits. Overseas people: 1. Overseas personnel living and working in this city need to provide temporary residence permits and employment certificates. 2. Overseas people living and working abroad can also apply for loans from banks if they have notarized certificates certified by lawyers and embassies and consulates.
Three. Loan type:
There are many kinds of existing loans. You can use provident fund, and borrowers without provident fund can use commercial loans. If your provident fund is not enough for your loan amount, you can also use a combination of provident fund and commercial loan.
Four, the bank's maximum loan amount for second-hand housing:
The bank stipulates that the maximum amount of personal housing loan is 70% of the house price, but if your loan amount exceeds 50% or 60%, it must be evaluated by an evaluation company designated by the bank, and the requirements for review are different.
Five, the second-hand housing bank loan period:
Provident fund loans shall not exceed 15 years, and commercial loans shall not exceed 20 years.
Six, the bank's credit requirements for borrowers:
Banks usually measure borrowers' repayment ability by personal income. The specific measure is that the family's monthly income should be more than twice the monthly repayment amount, but after deducting the monthly repayment amount, it must meet the family's normal living expenses (generally 1 000 yuan); If you only apply for a pure provident fund loan, there is no such requirement.
Seven. Requirements for down payment amount:
You must pay 30% or 40% of the total house price before you can apply for a loan.