1. Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral.
2. According to the source of loan funds, it can be divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.
What does a house loan mean?
Question 1: What does mortgage to buy a house mean? Buying a house is divided into full payment and mortgage payment. Mortgage payment is a certain proportion of down payment (generally at least 30% for second-hand houses and 20% for new houses). Before Sichuan applied for a bank loan, the loan was given to the seller as the house payment after the application. Then you pay the mortgage to the bank on a monthly/annual basis.
Question 2: What does mortgage mean? Mortgage is to buy a house by installment. For example:
654.38+0 million to buy a house. According to the regulations of the bank, I will pay at least 30% in advance, and then the rest will be repaid in installments according to the period agreed between you and the bank.
But you have to mortgage the house to the bank. In case you can't pay off on time, the house will auction off your house.
Question 3: What does mortgage mean? Mortgage is the general name of all loans related to real estate or applied for with real estate as collateral. Including the development funds of real estate development enterprises, mortgage loans for house purchase when purchasing real estate, mortgage loans for real estate consumption with real estate in one's own name as collateral, etc.
Question 4: What does a house loan mean? Not with your current savings or things, but with the house you bought!
It's actually quite simple. You deal with the owner first, and then pay the down payment to the owner. At this time, start preparing some pieces, including your ID card, income certificate, etc. And when your new house comes down, go directly to the loan bank to make a mortgage!
Question 5: What does mortgage mean? Taking housing mortgage as loan guarantee: The mortgage acceptable to the loan bank includes: purchased housing and owned housing (with property rights). If the borrower takes the purchased house as collateral, according to the regulations of the loan bank, there is no need to evaluate the collateral. For the borrower, it can save the evaluation fee. If the house he already owns property rights is used as collateral, the collateral needs to be evaluated by an evaluation agency designated by the bank, and the mortgagor needs to pay the evaluation fee. At present, the appraisal fee is charged according to the stipulated standard of real estate appraisal fee. If the house is used as the loan guarantee, the borrower and the borrower shall go through the mortgage registration formalities with the real estate management authority in accordance with the provisions of relevant laws and regulations, and the mortgage registration fee shall be borne by the borrower. The borrower should choose mortgage as the loan guarantee method, and at the same time purchase collateral property insurance and loan guarantee insurance from an insurance company recognized by the loan bank according to regulations, and make it clear that the loan bank is the first beneficiary of this insurance, and the insurance period is not shorter than the loan period, and the insurance amount is not less than the total loan principal and interest. During the mortgage period, the insurance policy shall be kept by the lending bank and the insurance premium shall be borne by the borrower. With mortgage guarantee, the borrower needs to pay mortgage registration fee, insurance fee and collateral evaluation fee. If the borrower's economic conditions are relatively rich, this method is an ideal choice and the most acceptable loan guarantee method for banks.
Question 6: What does mortgage mean? What house cannot be mortgaged? Hello! Housing mortgage refers to the act that the mortgagor transfers the property right of the real estate to the bank that provides the loan as the repayment guarantee, and after the mortgagor pays off the loan, the mortgage beneficiary immediately transfers the property right involved to the mortgagor. Under normal circumstances, if it is a new commercial house, only a house with five certificates can be mortgaged. If you buy a second-hand house, it must be a second-hand house with a real estate license.
Question 7: What exactly does the so-called mortgage loan mean? What is mortgage loan? It is a personal housing loan business in which buyers use the purchased houses as collateral and real estate enterprises provide phased guarantees.
Mortgage is the transliteration of the English word "mortgage", which refers to the act that the mortgagor transfers the property right of the property to the mortgage beneficiary (usually refers to the bank that provides the loan), and the mortgage beneficiary immediately transfers the property right involved to the mortgagor after the mortgagor pays off the loan.
Housing mortgage loan is a kind of housing guarantee loan, which refers to the personal housing mortgage loan provided by real estate development enterprises with the purchased house as collateral during the illness period. 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.
People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
The loan procedures and formalities are:
First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials.
Then accept the bank's review of you and determine the loan amount.
Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.
After the above procedures and formalities, you can get a new house through mortgage.
Through what the reporter said above, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.
Question 8: What does mortgage mean? Apply for a loan from the bank with the house you bought as collateral.
You don't own what you mortgaged, and the house doesn't belong to you until you pay off the loan.
Question 9: What does mortgage mean? Housing loan.
When buying and selling a house, the money borrowed from the bank because of financial problems is called mortgage.
Question 10: What does mortgage mean? What is a mortgage loan?
When the real estate is selling well, mortgage has become a shortcut to buy a house in the hearts of the public, but what is a mortgage loan? How to apply for a mortgage? Maybe many people don't know. The reporter came to the real estate credit department of China Construction Bank to learn about this matter. The so-called mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and real estate enterprises provide phased guarantees.
People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
The loan procedures and processes are as follows.
First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials.
Then accept the bank's review of you and determine the loan amount.
Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.
After the above procedures and formalities, you can get a new house through mortgage. Through what reporter Ding Shang said, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.
How do buyers handle mortgage loans?
Building mortgage is quite common in the United States, Japan, Singapore, Hong Kong and other places, and has become a widely popular financing method for buying houses in developed countries and regions. In China, mortgage has only been implemented in Shanghai, Peking, Shenzhen and other cities in recent years. The sales performance of real estate that provides mortgage in the real estate market is obviously better than other real estate. Buyers' handling
The specific procedures of house mortgage are as follows:
(1) Select a property
If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
(2) Apply for mortgage loan
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
(3) sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) signing a house mortgage contract
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) Mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
(6) Open a special repayment account
After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming ......
What does a house loan mean? What is the process of buying a house with a bank loan?
Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the house price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan. What should I do with the bank loan to buy a house? 1. Bank loan 1 house purchase process, providing consultation, accepting applications and conducting pre-loan investigation; 2. Loan approval; 3. Loan issuance; 4. Loan recovery; 5. Post-loan management. 2. The materials to be submitted for the bank loan to buy a house are 1, and the proof that all or part of the down payment has been paid; 2. Proof of the borrower's repayment ability; 3. Original and photocopy of the contract, agreement or letter of intent for purchasing second-hand houses; 4. Legal and valid identity documents of the borrower: resident identity documents, household registration books, military officers' cards or other valid residence permits; 5. The borrower and/or spouse have the right to inquire about the authorization documents of the personal credit information system of the People's Bank of China; 6. The leased property must provide a certificate of change in the leased rights and interests; 7. A copy of the current passbook of China Bank in the borrower's own name for capital contribution; 8, the transaction of housing "real estate value assessment report"; 9. Other supporting documents or materials required by the lender.
What does mortgage mean? What does the mortgage include?
What is a mortgage loan? People who have never bought a house, if they have never been exposed to mortgages, naturally do not know enough about mortgages. In fact, mortgage is a kind of loan specially applied for buying a house. The loan amount is generally higher, depending on the loan amount. What does mortgage mean? What does the mortgage include?
What is a mortgage loan? People who have never bought a house, if they have never been exposed to mortgages, naturally do not know enough about mortgages. In fact, mortgage is a kind of loan specially applied for buying a house. The loan amount is generally higher, depending on the loan amount. If you want to fully understand the mortgage, you must understand what the mortgage includes. Learn from me what mortgage means. What does the mortgage include?
What does mortgage mean?
Mortgage actually refers to the one-to-one loan that buyers need to repay to the bank on time after mortgage to buy a house. mortgage to buy a house refers to the loan behavior of taking real estate assets as collateral, obtaining bank loans and repaying the principal and interest in installments according to the contract, and the bank returns the collateral after the loan is paid off.
What does the mortgage include?
1, bank loans are divided into two repayment methods: equal principal and interest and average capital. Equal principal and interest is the sum of principal and interest repaid every month. The average capital is the total monthly repayment, in which the principal remains unchanged and the interest is calculated separately. There is also a saying that the average capital repayment method is more cost-effective than the equal principal and interest repayment method. There are also misunderstandings in this formulation.
2. When the mortgage is repaid, for whatever reason, as long as your mortgage appears, the bank will call to remind the borrower to repay, and as long as it is repaid, there will be a penalty interest. The penalty interest of different loan banks is different, which is basically 30%-50% higher than the original loan interest rate. Banks usually set default clauses in mortgage contracts, requiring borrowers to repay all loan principal and interest in one lump sum after three consecutive repayments or six cumulative repayments.
3. After the mortgage loan is paid off, the lender needs to go to the bank, and the bank will issue the corresponding repayment certificate. This is very important, and it is the necessary material for the Housing Authority to handle the mortgage cancellation procedures. A considerable number of people choose guarantee institutions to guarantee their mortgages when they are "business-to-business". After the mortgage is settled, they should also go through the formalities of canceling the guarantee in time and return the guarantee deposit. If you buy a house after the mortgage is repaid, if you have the idea of repaying the mortgage in advance, it is still recommended to discuss it with the loan bank before signing the house purchase contract. You need to repay the loan in advance when consulting.
What does mortgage mean? Mortgage is actually quite understandable. Simply put, it is to apply for a loan to buy a house and then repay it on time every month. What does the mortgage include? Most people buy houses with loans, and they need to repay their mortgages on time every month. As for how much to pay each month, it depends on the amount applied. The higher the mortgage, the more you have to pay back every month. Therefore, everyone must choose the appropriate loan form according to their own economic situation.
What does it mean to buy a house with a loan?
Hello, simply put, it is to buy a house through a bank loan;
If you apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, it is generally necessary to contact the local personal loan department to provide personal information and purchased real estate before applying. To apply for a first-hand property loan, the following application materials are generally required: 1. Identification materials: ID card, military officer's card, etc. ; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Use certificate: the original property right certificate of the purchased property, the purchase contract, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, the supervision fund entry certificate is enough); 4. Proof of repayment ability. If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
The introduction of the meaning of house loan ends here.