1. What is the meaning of mortgage loan? Mortgage loan refers to a kind of credit behavior in which the applicant applies for a loan from the bank to pay the house price for the purpose of buying a house, and then repays the loan to the bank in stages according to a certain number of years, and the bank charges interest at the same time. For example, housing mortgage loan is a personal housing loan business in which the buyer takes the purchased house as collateral and the real estate enterprise of the purchased house provides phased guarantee. The so-called mortgage means that the mortgagor transfers the property rights of the house to mortgage, and the beneficiary acts as the repayment guarantor. After the mortgagor pays off the loan, the property rights involved are immediately transferred to the mortgagor, and the mortgagor enjoys the right to use in this process. Second-hand housing mortgage loan Second-hand housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house or commercial house with a house title certificate that can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral. The second-hand housing mortgage lender needs to be a natural person with full civil capacity, with stable occupation and income, repayment ability and good credit record, and the self-raised house purchase price (down payment) is not less than 40% of the house purchase price. 3. The standard of mortgage fee for second-hand houses is as follows: 1, insurance premium: appraised value × loan term ×55%2, notary fee: loan amount ×2%3, mortgage fee: loan amount × 1%, mortgage stamp duty: loan amount ×0. 1%4, information fee for warrants. Loan service fee: appraisal value ×0.5%+500 yuan/Example 7. Verification fee: 50 yuan/Example 8. Registration fee: 80 yuan/Example 9. Transaction appraisal fee: appraisal value ×5% (villas and houses with an area of more than 200m2 shall be paid) 10. Transaction handling fee: area ×6 yuan /m2 (second-hand housing transactions) The housing reform fee is halved) 1 1, transaction stamp duty: the transaction price of both parties × 1% (according to the contract price, both the buyer and the seller pay 50%) 12, deed tax: market-guided price ×2% 13, business tax: market-guided price ×

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What is second-hand housing mortgage? First, what is the second-hand housing mortgage? The word "mortgage" comes from Hong Kong, which is the Cantonese homonym of English mortgage. The popular meaning of "mortgage" refers to the mortgage of loans with pre-purchased commercial housing. It means that the mortgagor transfers the pre-purchased property rights to the mortgage beneficiary (bank) as a repayment guarantee, and after repayment, the mortgage beneficiary transfers the property rights to the mortgagor. Specifically, mortgage loan refers to the loan that the buyer obtains from the bank with the pre-purchased building as collateral, and the buyer pays the bank in installments according to the repayment method and time limit agreed in the mortgage contract; Banks charge interest at a certain rate. If the lender defaults, the bank has the right to take away the house. Second-hand housing mortgage refers to a kind of credit method in which the buyer applies for a loan from the bank with the second-hand housing purchased as collateral because the funds are insufficient to pay the rest of the house payment except the down payment, and the buyer repays the principal and interest to the bank by stages. Second, the second-hand housing mortgage loan application conditions? After reading the above introduction, you should have a certain understanding of the concept of second-hand housing mortgage. Let's take a look at the application conditions for second-hand housing mortgage loans. In general, the following documents and certificates are required for second-hand housing mortgage: 1. Legal identity documents of the borrower, including ID card (husband and wife) and temporary residence permit (migrant population); 2. The borrower's economic income certificate or professional certificate, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. The applicant must have a stable income, good credit and the ability to repay the principal and interest of the loan. ; 3. The account book of the borrower; 4. Borrowers with spouses need to provide proof of husband-wife relationship; 5. If * * * is the same as the borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the repayment responsibility; 6. Certificate of property right of the purchased second-hand house; 7. The house sales contract signed with the seller and the transfer account provided by the seller; 8. If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender; 9. The property right of the purchased house * * * A written authorization document that someone agrees to sell the house; 10. Other documents or materials required by the lender. What is the answer to the second-hand housing mortgage and the application conditions of second-hand housing mortgage? Simply put, second-hand housing mortgage is to spend tomorrow's money to realize today's dream. Although the second-hand housing mortgage loan can temporarily relieve the financial pressure for buyers, when applying for personal housing loan, the mortgage applicant should make a correct judgment on his current economic strength and repayment ability, and at the same time make a correct and objective prediction of his future income and expenditure, and do what he can to avoid the situation that he can't repay in time. If you still have questions, or have plans to buy a house with a mortgage recently, you can also consult a real estate lawyer.