Many people can't pay the full amount at one time when buying a house, so they will choose to apply for a housing loan from the bank. Can I apply for a loan if I want to buy a second-hand house? Next, Bian Xiao will briefly introduce you to the loan to buy a second-hand house.
1. As long as it meets the loan conditions of the bank, everyone can apply for a loan from the bank to buy a second-hand house. We can take the purchase contract, proof of family income, written proof of agreeing to mortgage and other materials to the bank to fill in the application for second-hand housing loan, and then go to the appraisal company designated by the bank to evaluate the second-hand housing. If the bank approves, the bank will give us a mortgage loan.
2. Whether the second-hand house can be loaned depends on the age of the second-hand house. If you apply for a provident fund loan, the age of the second-hand house plus the loan period cannot be greater than 40 years. Therefore, we can't apply for provident fund loans if the second-hand house we bought is over 40 years old.
3. If you apply for commercial loans, major banks have restrictions on the age of second-hand houses. Under normal circumstances, it is difficult to apply for a loan when the second-hand house is over 30 years old. Many banks stop lending to old second-hand houses, because the older the house, the greater the risk of the house. Some banks therefore do not make second-hand housing loans.
If the second-hand real estate license we bought is incomplete, we can't apply for bank loan. For example, small property houses, enterprise workshops, resettlement houses and so on. Because land like small property houses usually belongs to allocation, which is collective land. According to the relevant regulations of the state, small property houses cannot be filed in the housing management office, and generally there is no real estate license.
Bian Xiao concluded: Can I get a loan for buying a second-hand house? Bian Xiao introduced it here. To buy a second-hand housing loan, you need to know the relevant loan policies of the bank. Under normal circumstances, you can apply for second-hand housing loans as long as you meet the conditions of bank loans.
Can a second-hand house be loaned?
Second-hand housing can be loaned.
Second-hand housing can be loaned. Second-hand houses are basically individuals who can apply for commercial loans and provident fund loans. However, the lender must be a China citizen with full capacity for civil conduct. There must be collateral in the process of loan. If you buy it with the provident fund, you need to go to the bank to apply for a loan with your unit certificate and identity certificate.
Although it is a second-hand house, for many families, this house price is also very expensive. And if buyers can't buy a house in full at one time, then they can choose a bank mortgage loan to buy a house at this time.
How to handle the second-hand housing mortgage? What are the procedures and procedures for handling second-hand housing loans? These schemes are divided into the following nine items in order, namely:
1. The buyer and the seller sign a house sales contract, and the buyer pays a certain down payment to the seller. In most cases, the down payment is not less than 70%. Some lenders with particularly good qualifications can only lend 80%. After paying the down payment, the seller is required to issue a receipt, which will be used in the loan information.
2. The purchaser applies for a loan from the bank and submits written materials, including the purchase contract, the identity information of the buyer and the seller (ID card, household registration book), proof of marital status (unmarried certificate or marriage certificate), property title certificate and down payment certificate. Copies of these certificates are enough.
3. The appraisal agency designated by the bank evaluates the real estate, so the purchaser also needs to bear the appraisal fee, which generally ranges from several hundred yuan to several thousand yuan.
4. A legal opinion issued by a law firm designated by the bank. Banks issue loans and issue loan commitments.
5. The bank signs a mortgage loan contract with the purchaser (lender and borrower), which is notarized or witnessed by a lawyer.
6. Set up deposit and loan accounts and allocate housing loans.
7. On the day of real estate transfer, handle house transfer procedures and bank mortgage registration, and handle loan insurance procedures or repayment guarantee of guarantee companies. To this end, buyers need to pay insurance or guarantee fees.
8. Banks issue loans. It can be distributed to seller's account, buyer's account or intermediary company's account. At present, most of the ways are to lend money directly to the seller's account (home). Lawyer Shen strongly advises you not to transfer the loan into the account of the intermediary company, so as to avoid serious legal consequences, such as the intermediary company diverting the money for other purposes and absconding with the money.
9. The borrower repays the principal and interest on a monthly basis until the principal and interest are fully paid off and the loan contract is terminated.
Can I get a loan for buying a second-hand house?
You can get a loan for buying a second-hand house, but you need to meet certain requirements first, otherwise you can't get a loan.
Second-hand houses with room age 15 can be mortgaged, and the excess depends on the specific house.
Usually, the loan ratio of commercial banks is as follows:/kloc-70% for loans within 0/0 years, and 50-60% for loans within 0/0-15 years.
Under normal circumstances, second-hand housing mortgage loans need third-party agent guarantee. Individuals can't get loans by going directly to the bank. You can find an intermediary company or a loan company to handle the loan.
Can you get a loan for a second-hand house in Huizhou?
Second-hand housing can be loaned.
But second-hand housing mortgage loans, generally speaking, have these limitations:
Property right certificate: the commercial house that has obtained the property right certificate, or the commercial house that can immediately obtain the property right certificate and live;
Age of the house: no more than 20 years for ordinary houses and no more than 15 years for other properties;
Loan ratio: 80% for ordinary housing and 60% for other properties;
Loan term: the sum of the service life of ordinary houses and the loan term shall not exceed 30 years, and the sum of the service life of other houses and the loan term shall not exceed 20 years (and the loan term shall not exceed 10 year); The sum of the loan term and the borrower's actual age shall not exceed 65 years old.
The choice of interest rate varies from person to person: people with stable income and high monthly income can consider choosing a fixed interest rate because it will not be affected by interest rate hikes in the future. However, if you are a class with stable job but low income, such as teachers, university professors, civil servants, etc. It is suggested to choose floating interest rates, because they are high-quality customers among bank loan customers and can enjoy preferential interest rates, so floating interest rates are more favorable.
Proof of income and repayment ability: banks will require borrowers to provide proof of income when issuing loans. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time, and the bank can also approve it after meeting the conditions. In addition, the family also has some other assets, such as large deposits, bonds, real estate and so on. It can also be used as proof of income, and banks will generally make reference.
Special reminder, some second-hand houses cannot be loaned, such as relocated houses, resettlement houses, public houses, enterprise houses, small property houses and other second-hand houses with incomplete property rights certificates cannot be loaned. When choosing a house, you must pay attention to whether the house has a property right certificate.