Buying a second-hand house is usually bought in a real estate agent, or you can directly contact a family who wants to sell a house. No matter where you buy it, the loan procedure is the same. If you buy in an intermediary, the general intermediary will help you with the loan procedures or one-stop service. If you buy it after contacting your family, you have to go through the relevant procedures yourself (more complicated).
I. Loan conditions and materials to be prepared:
1. When the borrower purchases a commercial house or a second-hand house, it must have a self-raised fund of not less than 30% of the total house price (the second-hand house should be more than 40%, which varies from place to place) as the down payment.
2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan.
3. The lender must have permanent residence or valid residence status in the town of this province (city).
4. Agree to use the purchased house as collateral.
Information to be prepared:
1. The valid identity certificate and household registration book of the borrower and spouse (if any) (the second-generation ID card should be copied on the back, and the household registration book should be copied on the title page, the first page of the household registration book, and the borrower and spouse pages).
2. Marriage certificate: if unmarried, the marriage registration office at the place where the household registration is located will issue a single certificate; Divorce certificate and non-remarriage certificate (divorce certificate, court judgment or ruling, and non-remarriage certificate issued by the marriage registration authority where the household registration is located); Married people provide marriage certificates.
3. The original purchase contract signed by the borrower and the selling unit or seller (second-hand house).
4. The borrower and his/her spouse (married) * * * fill in the loan application form, the salary income certificate issued by the unit, and the flow of the borrower's bank card in the last year.
5. The down payment receipt delivered by the Borrower shall not be less than the amount stipulated in this Agreement.
If you meet the loan conditions, you can give the above information to an intermediary or find a bank to apply for a loan.
Your annual salary is 50,000, and your monthly salary is about 4,200. According to the general regulations of banks, your monthly payment ability is about 2 100 yuan. I want to know what the total price of the second-hand goods you want to buy is? Now suppose you want to buy a house with a total price of 500,000 yuan, a down payment of 200,000 yuan and a loan of 300,000 yuan. At present, the annual interest rate of our commercial mortgage loan is 7.05%. According to your monthly payment capacity of 265,438+000 yuan, your loan term should be 30 years. At present, there are two repayment methods:
1, equal principal and interest method: the monthly repayment amount is 2005.99 yuan (the same every month), and the total interest is 422 156.97 yuan.
2. Average capital method: the monthly repayment amount is different. The repayment amount in the first month is 2,595.83 yuan (and will be reduced month by month, with a monthly decrease of 4.90 yuan), and the repayment amount in the last month is 838.23 yuan, with total interest of 3 18 13 1.25 yuan.
Compared with the above two methods, the average capital method is less than the equal principal and interest method 104025.72 yuan. The specific repayment method can be selected when the bank handles the loan procedures.
The above calculation is based on the assumption that the interest rate will remain unchanged throughout the repayment period.
If you want to use the average capital method to repay the loan, the bank may not pass it according to your monthly payment ability, and the unit can issue a little more (for example, 5,000 yuan) of "proof of salary income".
In addition, within the 30-year repayment period, those who have the ability to repay in advance after 5 years or 10 years may apply to the bank to pay off the loan in advance (50,000 yuan or10,000 yuan) or pay off the loan in one lump sum, and the total interest will decrease in proportion to the prepayment amount.
The above answers are for your reference only.