I bought a suite with a loan and then sold it. You can't find the property through the house registration system, but you can find the loan record in the bank credit information system and then borrow money to buy a house.
3. Buy a suite in full and buy the first house with a loan.
4. I bought a suite in full and sold it. The housing registration system can't find the property and then borrow money to buy a house.
5. There are two suites in the name of the individual, but the loans have all been paid off and sold, and two sets of house sales certificates can be provided at the same time. In this case, when the loan is re-borrowed, the first set is counted.
6. There are two suites in my name, but the loan has been paid off. The other is that the provident fund loan has been sold, and at the same time, it provides proof of house sale, and applies for a commercial loan before buying a house.
7. One spouse buys a house with a commercial loan before marriage, and the other spouse buys a house with a provident fund loan before marriage. After marriage, they want to borrow money in the name of husband and wife. If the loan has been paid off by banking financial institutions, they can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.
8. One spouse has a house before marriage, but there is no loan record. The other spouse has a loan record before marriage, but there is no real estate under his name. Buying a house and applying for a loan after marriage is the first set.
What should I pay attention to when buying a second suite?
1, can the second suite use the provident fund?
According to the regulations of most urban provident fund management centers, under normal circumstances, when purchasing the first suite, if the purchaser has used the provident fund loan, but the provident fund loan has not been paid off, then when purchasing the second suite, the purchaser cannot use the provident fund loan or use the provident fund to repay the mortgage. However, if the property buyers meet the local purchase qualification and have paid off the provident fund loan for the first suite when purchasing the second suite, they can apply for the provident fund loan when purchasing the second ordinary self-occupied house.
2. Consult the loan bank in advance:
Although the bank's loan regulations are implemented in accordance with national policies, there must be some subtle differences between different lending banks in the provisions of housing loans. Before buying a house, it is best for buyers to consult the local loan bank in detail. The consultation contents mainly include the interest rate of the first home loan, the interest rate of the second home loan, the interest rate of new commercial housing and the interest rate of second-hand housing. In addition, property buyers should also pay attention to whether the current bank loan policy is tight or loose. If the loan policy is loose, it will be easier to apply for a loan.
3. Know the real estate situation in advance:
Although it is very simple to buy a new house now, and developers help with all the formalities, most developers have cooperative banks at present, and many developers are unwilling or even refuse to use provident fund loans for property buyers. Therefore, before buying a house, buyers need to know what kind of loans their favorite real estate supports, and which one or several specific cooperative banks are.