The second-hand housing loan business considerations and process

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  • / Author: Aaron Lewis
The secondary housing mortgage loans (business loans) is a real people purchased the property mortgaged to the bank, loans, used to pay 1629, the purchase and installment debt service to the bank loans
1Can do business loan general house in 86 years after the house
2The maximum loan amount is generally not more than worth 70% assessment
The 3 lenders man not more than 60 years of age, women are not more than 55 years of age
4 the loan period of 20 years
5: matching principal repayment, matching principal
6 main bank: Shanghai Pudong DevelopmentShenzhenThe people's livelihoodHuaxiaChina Construction Bank Everbright
 7 both parties material
 (1) buy a house required materials
       Both spouses identity card, residence booklet, marriage certificate; outsiders needs a temporary residence permit, proof of income borrowers (more than two times the monthly repayments) copy of business license with official seals, certificates, couples an inch recent photograph of the two
  (2) the seller is required to provide materials
        The ID card, account book, marriage certificate; residents need temporary residence permits and property cards.
8Loan calculation process
   (1) to assess the price = = * construction area of assessment unit
    (2) the loan amount = = to assess the value of 70%
    (3) the first payment = = price minus the amount of loan
            Housing insurance:Real insurance coefficient multiplied by the loan amount multiplied by 0.1%
           Mortgage registration fees  205 yuan
            Fee110
          Mortgage registration deposit: 1000 yuan (mortgage after the return of all people)
 
 
   The loan contract signed in two working days after the bank staff will come to evaluate, five working sunrise assessment report, and then the first payment will be transferred to the bank, the bank collected reports both materials evaluation, the first proof of payment of 5 to 7 working days to grant loans, the loan approval after the buyers and sellers transfer transactions, transfer, the original owner belt deed tax ticket and identity card to the bank payment, (China CITIC two day loan. Shenzhen on loan)