What is self-housing?
Generally speaking, self-occupied housing is actually self-occupied commercial housing. The difference with ordinary commercial housing is that its price is about 30% lower than that of ordinary commercial housing, and the building area needs to be below 90 square meters.
Self-occupied housing is a unique product of Beijing. Only people who meet certain conditions can buy it, and if they want to transfer it after purchase, it must be five years later, and 30% of the income generated by real estate transactions must be handed over to financial institutions.
Can I apply for a mortgage for my own house?
Self-occupied housing can be mortgaged, but because self-occupied housing is purchased at a price lower than that of similar housing in the market, when handling loans, the loan amount will be lower than that of ordinary commercial housing, and the loan qualification will be stricter than other real estate types.
What are the requirements for home mortgage loan?
1. The lender must be at least 18 years old with full capacity for civil conduct;
2. The lender must be able to provide valid identification documents such as ID card and household registration book;
3. The lender shall hold the ownership certificate of the mortgaged house and other documents;
4. The lender must have a stable income and work, and have strong repayment ability, and it is best to issue certificates such as bank running water;
5. Other conditions stipulated by the bank.
Note: Mortgage loans can only be used for large-scale consumption such as buying a house, going abroad or decorating a house, and cannot be used for investment activities such as real estate speculation and stock speculation. Lenders need to know the purpose of their loans.
How to handle the self-occupied mortgage loan?
1. application
Lenders need to submit a loan application to the bank, fill in the application form, and consult the specific matters of handling the loan.
Step 2 prepare materials
Lenders need to prepare mortgage loan information, such as ID cards, household registration books and other important documents, and try to reach the designated position in one step, and then submit the information to the bank for review, and the bank will inform the lender of the results after review.
3. House evaluation
Mortgage loan needs assessment, which is generally an assessment institution designated by the bank. The lender only needs to cooperate with the appraisal. After the assessment is completed, the lender needs to submit the assessment report to the bank for review.
Step 4 conclude a contract
After the bank reviews all the information, if it passes, the lender can sign a loan contract with the bank and go through the formalities of loan insurance.
5. Bank loans
After the formalities are completed, the bank will release the loan to the account designated by the lender on the specified date.
(The above answers were published on 20 16-06-0 1. Please refer to the actual situation for the current purchase policy. )
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