What are the management methods for the housing maintenance fund? Before the owners' committee is established, the housing maintenance fund cannot be used; secondly, it must be used, and the cost of the maintenance project needs to be evaluated and calculated by an authoritative organization. The maintenance can only be started after the organization's assessment; maintenance

After the project is completed, the property management company must bring the maintenance tax stamp and the acceptance certificate issued by the intermediary company to the trusteeship unit to apply for the transfer of the housing maintenance fund.

What should you know about applying for a second home mortgage loan?

1. Loan standards 1. The borrower has no overdue loan behavior, has a stable job, and has a good credit report.

2. The borrower has the ability to repay the loan interest on time and has repaid the interest on time for more than one year.

3. The house used for the second mortgage loan of your own house must be an existing house.

4. The house notice registration has been processed, and the person applying for the loan is the pledgee of the house.

5. The house has been commercially insured, and the original policy is in the custody of the bank.

6. The houses used for second mortgage loans should be high-quality houses and commercial houses with great sales market prospects.

7. The house is located in an excellent location, has a superior geographical location, complete supporting facilities, and has relatively large potential for value-added development.

2. Loan term The term of the second mortgage loan should be determined according to the specific main purpose of the loan.

If used for personal consumption loans, the term shall not exceed 5 years. If used for personal business loans, the term shall not exceed 3 years, and the loan expiration date shall not exceed the expiration date of the first pledged loan.

3. Loan credit limit The calculation method of loan amount is loan credit limit = house use value * pledge rate - principal balance of the original loan.

Among them, the quality of the house is compared with the original purchase price of the house and the transaction price after the second mortgage, and the lower of the two is used as the standard.

The maximum pledge rate for secondary mortgages for self-occupied properties shall not exceed 70%, while the maximum pledge rate for secondary loans for commercial properties shall not exceed 50%. 4. Annual loan interest rate The loan interest for secondary mortgage loans is determined by the People's Bank of China.

Fluctuate based on the prescribed annual interest rate for commercial service loans of the same grade.

In addition, if the loan period is less than one year, if the legal interest rate is adjusted, the interest will be calculated based on the annual interest rate of the original contract; if the loan period is more than one year, if the legal interest rate is adjusted, the interest will be calculated in January of the next year

The new interest rate will be gradually implemented on the 1st.

5. Loan steps 1. The borrower submits the second mortgage loan information to the insurance company and submits the loan application.

2. The financial institution examines the borrower's application and appoints a professional rating agency to evaluate the pledge.

3. The bank examines and approves the secondary mortgage materials submitted by the borrower and handles relevant procedures.

4. If the approval of the commercial bank is passed, the borrower can authorize the financing guarantee company to handle the release procedures for the advance funds of the original loan.

5. After the original loan release procedures are completed, the borrower needs to apply for a new mortgage registration.

6. After the formalities are completed, the financial institution distributes the loan and the borrower repays the loan again.

6. Frequently Asked Questions 1. Pay attention to whether the pledged property has a pledgeable credit limit, which is actually the house. If the pledged credit limit is too high, the borrower will not be able to obtain a second mortgage loan.

Generally, it is easier to get a loan approval when the mortgage credit limit of a house exceeds 70%.

2. Borrowers pay attention to their personal credit status. Don’t think that it is a pledge loan and do not pay attention to their personal credit.

Better credit is guaranteed through review for all loans.

Borrowers should pay attention to immediate repayment when applying for their first mortgage loan.

If the loan is overdue, it will be difficult to apply for a second mortgage loan.

3. A real estate second mortgage loan must have a real estate certificate. The borrower must have a property ownership certificate for the house before applying for a second mortgage loan.

If the property ownership certificate is placed in a financial institution or elsewhere, you will not be able to successfully apply for a second real estate mortgage loan.