You bought a house in the county and have paid the down payment. The bank designated by the developer has a credit card debt of 60,000 yuan and a loan of 500,000 yuan. The monthly payment is within 50 yuan, as long as your credit report is not bad. records, then you can apply for a home loan.
House loan.
A house purchase loan refers to a loan business in which a house buyer uses the building in the housing transaction as a mortgage to apply for a loan from the bank to pay for the house purchase, and then the house buyer repays the principal and interest to the bank in installments. Also known as a home mortgage. The process of buying a house with a loan is: preparation before viewing the house - on-site inspection - ranking, selecting the house - subscribing, paying the deposit - signing online, signing the contract, paying the down payment - loan - taking over the house and inspecting the house - paying taxes - house application book, as follows These processes will be introduced in detail.
The specific process of buying a house with a loan
① Preparation before looking at a house Before looking at a house, you must first determine the type of property you want to buy, and then allocate funds reasonably according to the type of house you want to buy.
② Visit the property on-site to understand the specific conditions of the entire property. If you are purchasing an existing home, you can intuitively see the structure and floor plan of the house. You can also ask the real estate consultant about surrounding facilities, planning and construction and other related issues. ; If it is an off-plan house, you can only understand the structure of the house by looking at the floor plan. Since the surrounding facilities are still being planned, buyers can check the surrounding planning documents.
③ Ranking and selecting houses. For some properties that are launched intensively, developers will ask buyers to rank and select houses according to certain rules on the actual opening day. When choosing a house, buyers can make backup plans in advance, mainly considering the following six aspects, including location, price, surrounding municipal planning, environmental facilities, house structure and orientation, and property management.
④Subscription and payment of deposit. Before choosing a house to subscribe for, the home buyer needs to prepare materials for house purchase qualification review in advance, and submit the materials to the developer's staff after signing the subscription letter. At the same time, when subscribing, you must pay a part of the deposit. The deposit will have a receipt (UnionPay receipt), and the amount of the deposit will not exceed 20% of the total house price stated in the contract.
⑤Sign online, sign the contract, and pay the down payment. After submitting the home purchase qualification review, the review results will generally be issued within 10 working days. If the review is passed, the developer will notify the home buyer to come and sign a home purchase contract. (Existing house: existing house sales contract; off-plan house: commercial house pre-sale contract) When signing a house purchase contract, pay attention to whether there are any blank clauses in the contract, whether the rights and obligations in the supplementary agreement are reciprocal, whether liability for breach of contract and compensation are clearly written, and whether the delivery of the house is Are the date and delivery criteria clear, etc.? To pay the down payment, there is usually a POS machine at the sales office. The UnionPay receipt for payment by credit card should be kept and wait for the down payment invoice issued by the developer. Usually you can get it on the same day.
⑥Loan If there are bank staff stationed at the sales office, buyers can hand over the prepared materials to the bank. The loan time is related to the bank's processing speed and the cap situation of the building. Taking Beijing as an example, for off-plan housing, the lending time for commercial loans and municipal provident fund loans is after the cap is reached, while the mortgage loan time for state-managed provident fund loans has nothing to do with whether there is a cap.
⑦House acceptance and inspection: Home buyers need to wait for the developer to notify them to take over the house, and pay attention to the house closing time. During the home inspection, you should carefully check every detail of the house, or you can also hire a professional to inspect the house. Check the "three certificates, two books and one form". If the developer cannot produce these certificates, it can refuse to take over the house.
⑧Pay taxes After collecting the property, you need to go to the local tax bureau to handle tax payments. Generally speaking, commercial houses need to pay deed tax and special residential maintenance fund, and then pay property fees, heating fees, parking spaces and other fees.
⑨ To apply for a property loan to buy a house, the home buyer only needs to hand over the preparation materials to the developer. Under normal circumstances, the property loan is 180 days (existing house) - 270 days (off-plan house) from the date of move-in. issued.
Things to note when buying a house with a loan
① It is very important to have a good personal credit record. If there are overdue records for three consecutive months and six months in total, then basically the bank will not will lend you a loan.
② Proof of Income The proof of income must cover 2 times the debt in the personal name. The month of bank turnover needs to be issued in accordance with the requirements of the specific bank.
③Keep the invoices for house purchase. The invoices for house purchase with loan include down payment invoice and loan invoice. If you buy an existing house, you need to pay the tax with these two invoices; if you buy an off-plan house and there is a difference in area, the developer will usually issue a new down payment invoice and recycle the previous invoice. If you accidentally lose the down payment invoice, the developer will not replace it, and the home buyer will also need to go through the procedures for losing the invoice, because there is no way to replace the invoice.
④ Provident Fund Loans Provident Fund loans need to be paid in full for 12 consecutive months and are still being paid before applying for a loan. Compared with commercial loans, provident fund loans take a relatively long time.