City life makes more and more people want to own a house of their own. However, with the rise of housing prices, many working-class people can only flinch from the ideal of buying a house in full, so housing mortgage loan has become a new choice for many people. Yes, as a necessary step for buying a house to "save the country by curve", housing mortgage loan has gradually become a popular practice. But do you know the policy of housing mortgage loan, and to what extent? Let Bian Xiao interpret several important points for you, hoping to give you some help when buying a house with a mortgage loan in the future.

What is a mortgage loan?

Housing mortgage loan is a kind of loan type born with the development of the times, mainly for individuals. It refers to a kind of currency issued by the bank to the borrower to buy a new house, and it also belongs to a kind of loan. Usually we also call it "personal housing mortgage loan". The most basic requirement is that the final amount issued by the bank cannot be higher than 80% of the actual purchase cost given by the real estate appraisal agency, that is, it must be lower than the house value or the actual purchase cost.

Unscramble the housing mortgage loan policy;

According to the regulations of housing mortgage loan, mortgage loan should have the following procedures: firstly, choose a specific property, which is actually to apply for a loan according to the actual situation, then sign a house purchase contract with the seller, then sign a building mortgage contract, and finally apply for mortgage level and insurance until we finally have a special repayment account. In this process, as a property buyer, it should be noted that in the process of my loan performance, insurance and other collateral cannot be interrupted. Keep the bank documents until the principal and interest of the loan are clear.

The housing mortgage loan policy has special requirements for foreigners. For example, people in Taiwan Province Province need to show their Taiwanese certificates and transcripts of household registration, while people in Hong Kong need to show their Hong Kong identity cards and mortgage notarial certificates. For people in other countries, they need all kinds of translated notarized documents. Similarly, mortgage notarization documents are also essential.

Having said that, I believe everyone has a basic understanding of the policy of housing mortgage loan. In fact, the policy of housing mortgage loan is not static. If you have plans to buy a house with a mortgage loan in the near future, you may wish to pay more attention to the real estate news and the new relevant policies of the country, which will bring you more unexpected help!

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