&#How to buy second-hand housing loan
I believe you all have the idea of buying a house in your heart. Anyone should want to buy a house in his lifetime, but now it is not like before. The house price is very expensive, so many people turn their eyes to second-hand house. Although the price of second-hand house is cheaper, it is not too much cheaper. Therefore, many people still choose to use loans when buying second-hand house Way to buy, then how to buy second-hand housing loans? What is the need to pay attention to when buying second-hand housing loans?
How to buy second-hand housing loans?
1. When buying a second-hand house, one ID card (with a copy of the ID card) for each of the loan applicant, his spouse and the immediate family members who meet the conditions to participate in the calculation of the housing provident fund loan amount. One copy of the applicant's and his / her spouse's household register (together with a copy of the household register) and one copy of the household register (together with a copy of the household register) which are qualified to participate in the calculation of the housing provident fund loan amount. If the applicant and his / her spouse are not in the same household register, a description of the marital relationship shall be attached.
2. One certificate of origin; the certificate of existing house should indicate that it is commercial house or comfortable house. Two sales contracts of Wuhan real estate provided by the trading center. One original and one copy of advance payment receipt for 30% or more of the house price.
3. 1 loan application form: 1 commercial loan application form for individual housing and 2 loan application forms for individual housing provident fund. 1 set of loan contract and mortgage contract: 6 provident fund loan contracts, 5 commercial loan contracts, 4 mortgage contracts and 1 guarantee contract. One for each of the borrower, his spouse and the units and individuals who are eligible to participate in the calculation of the amount by blood.
4. The borrower, his or her spouse and his or her lineal blood relatives who are eligible to participate in the calculation of the amount agree to use his or her housing provident fund. Proof of the applicant's family income and relevant assets. (it shall be determined according to the remarks, including payroll, individual income tax, monthly income certificate provided by the unit for employees of three capital enterprises, recent business tax, income tax and financial statements provided by private industrial and commercial enterprises, certificate of bank deposit, securities and source of current remittance, etc.).
5. If the above assets belong to the applicant's family members, a letter of commitment for joint repayment from the relevant family members shall be attached. One housing savings certificate and (or) passbook that has been deposited for a specified period of time (to be provided when applying for housing savings individual housing commercial loan, other types are not necessary). One certificate that the enterprise is allowed to apply for enterprise housing fund individual housing loan (it is required to provide when applying for enterprise housing fund individual housing commercial loan, but not for other types).
What is the need to pay attention to when buying second-hand housing loans
1. When applying for the second-hand housing loan, the borrower should make a correct judgment on his current economic situation and repayment ability, and predict his future income and expenditure, so as to avoid the difficulty of being unable to repay in full. It is necessary to properly select the lending bank. For borrowers, if they buy second-hand housing, they can choose their own loan banks.
2. Different loan banks provide different kinds of services, different charging standards, different requirements for borrowers, and different loan lines and longest loan periods. Borrowers can choose loan banks with good services, low charges and simple procedures according to their actual conditions.
The above is Xiaobian how to buy second-hand housing loans? What is the need to pay attention to when buying a second-hand housing loan all introduced, buy a second-hand housing loan, the loan process has been described in the above small and medium-sized series, it seems that the process is relatively simple, but the actual handling is not so simple, there are many small details need to pay attention to, we must be careful in handling, rational to see every item in the contract Money.