In recent years, people have many difficulties in buying a house. People have different solutions to the problem of buying a house. Some people buy a house only after earning enough money, but these people know how to buy a house with a loan and can repay the loan with their future salary. Among these two people, we can know that the latter enjoyed the party by using the house purchase loan, but did not pay attention to the new way of buying a house. In order to help people understand the decision-making problem of housing loan, we conducted a survey on it. It is for everyone's convenience. Housing loans can be roughly divided into: ① individual housing loans, ② customer housing loans. In this way, we can distinguish how to implement housing loans, and people can enjoy the convenience of housing loans.

Loans to individual housing buyers

1. loan purpose: it is used to support individuals to buy or overhaul houses in Chinese mainland towns. At present, its main product is housing mortgage loan, commonly known as "personal housing mortgage loan".

2. Loan targets: China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.

3. Loan conditions: The borrower must meet the following conditions at the same time: (1) has legal status; (2) Contracts and agreements with stable economic income, good credit and repayment of loan principal and interest, as well as other supporting documents required by the loan bank; (4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house; (5) A legal person, other economic organization or natural person with sufficient compensation ability who takes the assets recognized by the loan bank as the guarantor; (6) Other conditions stipulated by the lending bank.

4. Loan amount: the maximum amount is 80% of the total price or evaluation value of the purchased (overhauled) house (whichever is lower);

5. Loan term: Generally, the longest loan term does not exceed 30 years.

6. Loan interest rate:) The annual loan interest rate is 4.77%; If the loan term exceeds 5 years, the annual interest rate of the loan is 5.04% (in 2002

7, apply for a loan should be submitted to the information:

(1) individual housing loan application;

(2) Identity cards, military officers' cards, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visiting cards, home visiting cards and other residence certificates or other identity documents;

(3) The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank.

(4) Legal purchase (overhaul) contracts, agreements and relevant approvals.

(5) the certificate of consent to mortgage or pledge issued by the person who has the right to dispose of the mortgaged property or pledge, and the assessment approved by the loan bank.

(6) The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;

(7) debts, bills, etc. The borrower intends to

(8) The borrower is used to purchase relevant certificates;

(9) House sales (pre-sale) license or the property ownership certificate of the building (existing house) (copy);

(10) If both the borrower's spouse and his/her * * apply for a loan, the relevant letter of the spouse shall be clearly filled in the loan application form;

(1 1) Other documents and materials specified by the lending bank;

8. Customer loan process:

(1) application. The customer submits a written loan application to the bank and submits relevant materials.

Second, the research topic: housing loan decision.

Oh,

First, decide who you want to see this topic for, that is, your position.

Then determine your research group, that is, the subject orientation.

With these two main directions, you can build a framework.

For example, if your topic is to show people who are ready to buy a house with a loan, and your research group includes successful borrowers, real estate developers, relevant banks and government agencies, then your research topic is how to successfully reach a house purchase loan, or the current situation of the house purchase loan.

The next framework can be subdivided into:

1, current housing loan form

2. People who use housing loans and their characteristics.

3. Relevant national policies and matters needing attention

4. Market demand for housing loans.

5. Interests and risks of relevant groups

6, the impact on the macro economy

7, timeliness and practical significance,

8, expert advice and opinions

9. Note: housing loan tips, etc.

Third, how to solve the decision-making problem of housing loan?

You can ask an intermediary for help.

Fourth, how to avoid the husband's loan to buy a house before marriage, and how can the woman protect her rights after marriage?

If the woman doesn't want the man to borrow money to buy a house before marriage, she can protect her rights and interests through clear communication and agreement before marriage and legal means.

Here are some suggestions:

Fully communicate with the man before marriage to clarify his views and concerns. If the man has plans to buy a house, we can discuss whether we can solve it in other ways.

Sign a prenuptial property agreement before marriage, clearly stipulating the source of the man's property and the ownership of the property, as well as the way of property distribution and debt burden after marriage. It should be noted that the prenuptial property agreement should comply with the law, and both parties should fully understand and recognize the contents of the agreement.

If the man has purchased the property and applied for a loan, the woman can ask the man to provide the loan and supporting documents related to the pre-marital property and review them. At the same time, a loan agreement can be signed with the man * * to clarify the loan amount, repayment period and method of both parties.

If the woman has agreed to share the mortgage before marriage, it is suggested that the man buy marriage insurance in advance to reduce the financial risk of the woman.

In short, both sides need to fully communicate and understand, and take corresponding measures to safeguard their own rights and interests, so as to prevent the man from borrowing money to buy a house before marriage and repaying the loan after marriage.