1. Can I get a loan for buying a second-hand house?
According to the relevant policies of China's banks, the purchase of second-hand houses can be loaned, but it must meet certain conditions. The specific situation of different banks is different. Generally speaking, the following conditions should be met:
1. Natural person with full capacity for civil conduct, age 18 (inclusive)? -65 years old (inclusive);
2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;
3. Have a good credit record and willingness to repay;
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
5, with the purchase of housing contracts;
6. Have the ability to pay the down payment of the purchased house;
7. It has an effective guarantee recognized by the lender;
8. The seller has the right to dispose of the purchased house according to law, and the purchased house has the property ownership certificate;
9. If the property right of the house * * * exists, there must be a certificate of consent to transfer issued by the owner of the house property right * * *;
10, other conditions stipulated by the bank.
To apply for a second-hand housing loan, you need to provide the following information:
(1) Housing transaction contract signed by the buyer and the seller and signed by the competent department;
(2) the property right certificate of the house purchased and the document that someone agrees to sell the house;
(3) the borrower's family property certificate and income certificate (including personal income certificate, tax payment certificate, bank deposit certificate, real estate license, securities, etc.). Issued by the work unit);
(4) The borrower's legal and valid identity certificate (referring to the resident identity card, household registration book or other valid residence certificate) and proof of marital status;
(5) The document that the borrower and the * * * people agree to mortgage the purchased house.
You can refer to the above conditions and ask the bank according to the specific situation.
Second, the second-hand housing loan process
The buyer will investigate the property rights of the house.
When examining the integrity, authenticity and reliability of property rights, we should pay attention to whether the owner's name on the property certificate is consistent with that of the seller, whether there is mortgage or not, and whether there is anyone. This is the most critical for buyers, otherwise it may lead to the back.
Everything I did became useless.
Sign a second-hand house sales contract
The buyer and the seller discuss the house price, payment method, liability for breach of contract and delivery time, and agree on the deposit. Buyers and sellers can download the format contract text from the relevant website of the housing management department, or go to the intermediary company to ask for the contract text.
Find an evaluation company to make an evaluation.
This process usually takes 5~7 working days.
The loan house should handle the relevant mortgage business.
If it is a combination of provident fund loans and commercial loans, you must apply to the provident fund center and the bank at the same time. This is the most time-consuming stage in the whole DIY process of second-hand houses, which generally takes about 40 working days.
After handling the mortgage, we should pay attention to the cancellation of other warrants of the property.
Submit the contract to the relevant service window of the property rights trading center of the housing management department and take the acceptance form.
Pay the relevant taxes and fees at the agricultural tax center with the acceptance form and receive the tax payment certificate.
Go to the housing management department to apply for the real estate license with the tax payment contract certificate.
With the tax payment certificate, go to the land management department to handle the land certificate.
That's what Bian Xiao introduced to you. Can I get a loan for buying a second-hand house? I hope I can help you. For more information about whether the second-hand house can be loaned, please continue to pay attention to the decoration of Tuba Rabbit.