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What are the conditions for home purchase loans?

Most people are not financially well-off, and they need to pay high housing prices to buy a house, so many people choose to take out loans to buy a house. So what are the conditions for home purchase loans? What should you pay attention to when purchasing a home loan? Let’s take a look with the editor below.

1. What are the conditions for home purchase loans

1. The borrower has a stable career and economic income, has good credit, and has the ability to repay the principal and interest of the loan.

2. In principle, the town (including urban area, county town, and large market town) where the house purchased by the lender is located should be the lender's current residence or place of work or business.

3. The lender has signed the "Commercial Housing Sales Contract" and has paid the down payment for the house required by the bank based on his or her personal credit situation. At least 30% of the purchase price must be paid.

4. The lender agrees to go through the mortgage registration procedures for the pre-purchased commercial house first, and promises to use the purchased house as a loan mortgage and apply for a new house mortgage before the commercial house is completed and after the property certificate is obtained. Registration procedures.

5. The loan amount is determined based on the borrower’s credit situation, occupation, education, repayment ability, and the ability to liquidate the house purchased.

2. Precautions for house purchase loans

1. When making a transaction, make sure that the seller’s double certificates are complete. When signing a house sales contract, all *** on the property ownership certificate must be included. It will only take effect if someone signs it in person. It should be prevented from being signed by someone else or someone missing the signature.

2. Before the transaction, you must try to clarify all the detailed fees that should be paid to avoid adding miscellaneous fees midway, because the fees involved in the entire house purchase transaction are not collected at once.

3. A well-known person with high prestige or a formal, large-scale, well-reputed real estate agency should be selected as the supervisor of the buyer and seller's funds and housing delivery, and should ensure that the money can go smoothly after payment. Transfer, or the house and funds will be cleared after the transfer.

4. House buyers need to pay attention to whether the house they are buying is under mortgage, so as to determine the transaction time and move-in time. Because the loan time after the transaction between the buyer and the seller cannot be delayed too long, otherwise it will cause a lot of unnecessary trouble.

5. House buyers should clearly determine the conditions and related costs required for a loan to buy a house before the transaction, so as to prevent transaction losses due to loan problems later in the transaction.

6. The property registration at the time of handover, as well as the transfer of water, electricity, cable TV, gas, etc., and the details of the house must be carefully checked to avoid discovering these problems after handing over and incurring expenses. dispute.

If you want to get a loan to buy a house, you need to pay attention to the loan process, and prepare relevant documents and materials. The above is an introduction to the conditions for a house purchase loan and the precautions for a house purchase loan. Everyone. Friends who want to get a loan to buy a house can learn more about it.