With the development of the real estate market, house prices are still rising, and many owners will mortgage their houses with bank loans to obtain activity funds and then use them for housing investment. How to get a mortgage loan? Then let's take a look at the following!
First, apply for a mortgage loan in the bank, fill in the form and submit the required materials. Then the staff will make a preliminary inspection, and if there is no problem, they will go to the real estate appraisal to make a report. Then the bank will carry out the approval process according to the materials and reports, and sign the loan contract and notarize it after passing. Finally, apply to the real estate bureau for mortgage, and loan to the applicant after success.
The length of mortgage loan is closely related to personal qualifications. If the applicant's credit information is good, it shows that he has good repayment ability. Generally, he applies for a loan, and the approval is easy to pass. In addition, the mortgaged property must be uncontroversial, and there has been no mortgage loan before. If an individual has other loans, he must pay them off before applying for a mortgage.
The following properties do not meet the conditions of bank mortgage loans: first, welfare houses, such as affordable housing; Second, there is no property right certificate. At the same time, according to different types of real estate, the proportion of mortgages obtained by applicants is also different. Among them, 70% are ordinary houses, 50% are commercial houses and 40% are industrial houses.
In addition, if the mortgaged property is a new house, the longest loan period is 30 years, and if it is a second-hand house, the loan period is reduced by 10 year. Therefore, when determining the loan term, we should combine our own economic situation to avoid increasing our own pressure. However, different loan years use different interest rates, so the interest generated is also different. Before applying for a mortgage loan, it is best to know the relevant procedures and conditions from the bank in advance, so that the loan will be smoother.
I hope the above answers are helpful to you.
Second, the detailed process of mortgage loan?
I. Mortgage loan process
(1) The borrower opens a current deposit account in the bank;
(2) Preparing loan requirements;
(3) Face-to-face signing bank;
(4) Bank filing and approval;
(five) after the approval of the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
(six) to the construction committee for mortgage registration;
(seven) the Municipal Construction Committee issued its right certificate;
(eight) according to the situation for insurance, notarization and other procedures;
(nine) the bank will directly transfer the loan to the account agreed in the contract;
(ten) the borrower shall repay the principal and interest according to the provisions of the loan contract.
3. Which bank can borrow mortgage loan?
Banks that can issue mortgage loans:
1. China Construction Bank: The mortgage loan amount of China Construction Bank is related to the applicant's mortgage situation, with 70% of the goods. The mortgage loan amount of CCB is generally controlled within100000 yuan.
2. ICBC can use it for repayment, with the highest loan interest rate of 0.60%.
3. Agricultural Bank: The mortgage interest rates of Agricultural Bank is mostly 0.5 to 2 percentage points, which directly fluctuates around 0,000 yuan.
Extended data:
Loan (electronic receipt credit loan) is a simple and popular way to borrow money.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks use loans to concentrate money and commodities to meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also earn loan interest.
principle
"Three Principles" refers to the fundamental principles of safety, liquidity and loan operation.
1 primary problem;
2. Liquidity refers to the ability to recover loans on schedule and realize them quickly to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, granting long-term loans with higher interest rates than short-term loans will increase risks, reduce security and weaken liquidity. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method
(1) Equal principal and interest, equal monthly repayment.
Housing provident fund loans and business personal style of most banks. So the monthly repayment amount is the same;
(2) The repayment amount of average capital will be evenly distributed to each period (month) during the whole repayment period, and the monthly repayment amount will decrease month by month from the last trading day to the repayment date;
(3) Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [the term is within one year (including daily interest, and the interest is repaid on a monthly basis;
(4) An application for prepayment of part of the loan can prepay part of the loan amount, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank, and then lend money at this time after repayment, and go through the corresponding cancellation procedures.
(6) Pay as you borrow: calculate the one-day interest after borrowing. Liquidated damages at any time
Fourth, how to apply for a mortgage bank loan?
The seller's real estate license is in the bank, and you want me to redeem it. Please refer to the following: 4-8.
Generally speaking, we should pay attention to the following nine steps:
First, look at the house, usually through a real estate agent;
The second is to sign a deposit agreement and an intermediary agreement, and pay the deposit after signing the agreement;
The third is to sign the sales contract, that is, the city real estate sales contract, and at the same time do the contract filing online;
The fourth is to pay the down payment. If there is a loan at home, the family will generally repay the loan in advance with a down payment;
The fifth is to go through the formalities of the next loan, and the next loan must apply for a loan from the bank with the sales contract and other materials;
The sixth is to handle the transfer transaction procedures. After the transfer formalities are completed, the trading center will issue a receipt;
Seventh, get the city real estate license, and the receipt will come out for 20 days, and the next home will get the real estate license;
Eighth, the lending bank issues loans to the last home, and the time for lending may be before or after the issuance of the property right certificate, depending on how the next home and the bank agree;
Nine is to hand over the house and pay the final payment.
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Pay attention to the procedures and expenses in the transaction:
The buyer holds the ID card, and the seller holds the two-room certificate and other related documents to the real estate exchange for specific handling.
Need:
Identity cards and copies of identity cards of both parties (cannot expire);
The seller's real estate license.
Procedure:
Go to the notary office for notarization with a valid ID card.
Handling fee:
Part I expenses: notary fees;
Part II Expenses: Pay taxes according to the price of second-hand houses, and the specific tax rate depends on the tax rate given by the notary office.
Second-hand housing transaction costs include
1. Housing Authority fees:
Registration fee of real estate license: one set in 80 yuan (paid by the buyer).
Stamp duty: transaction price x0. 1% (both parties pay 50%).
Transaction cost: 6 yuan per square meter (50% paid by both parties).
Deed tax: 1.5% (paid by the buyer).
Stamp ticket: 5 yuan/piece, (to be paid by the buyer).
Surveying and mapping fee: residential area 1.36/ square, elevation 2.07 yuan/square, multifunctional room (with elevation) 2.72 yuan/square. (delivered by the buyer)
2. Land and Resources Bureau fee: (to be paid by the buyer)
1. Annual fund fee: fund years x property area x 1% (to be paid by the buyer).
2. Land certificate reserve fee: 100 yuan.
Three. Local tax bureau fees: (to be paid by the seller)
N-level lot xn yuan x real estate area = personal income tax
First-class location, 50 yuan.
Second-class lot 40 yuan.
The third stage 30 yuan.
The fourth stage 20 yuan.
Lot 5 10 yuan.
Individuals who use housing provident fund and housing subsidies to buy second-hand houses are exempt from deed tax.
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I wish you an early realization of your dream!