We often see some priority windows in our daily life. We always feel that soldiers have priority and preferential policies in dealing with many things. Is it OK for veterans to buy a house loan? Do veterans have interest on their home loans?
Is it OK for veterans to buy a house loan?
The answer to the question of whether soldiers can buy a house with a loan is, of course, yes. They can also apply for a loan to buy a house by providing only relevant materials such as the copy of the officer's certificate, the original of the income certificate, the original of the marriage certificate or the original of the single certificate.
1. The borrower shall first fill in the application form in the bank and ask the credit personnel for preliminary examination. Only those who meet the application qualification will issue the application notice, and hand over the ID card, account book, marriage certificate, purchase contract, income certificate and other information required by the loan bank to the law firm designated by the bank.
2. The lawyer will conduct preliminary examination on the loan applicant's materials and issue the legal opinion and certificate to the bank, evaluate the identity and credit status of the loan applicant, collect relevant fees, purchase housing insurance at the bank's counter, and pay all the housing insurance fees at one time;
3. It is necessary for the bank to review the credit materials of the loan applicant. After approval, the lawyer shall arrange to sign the individual housing loan loan contract, guarantee contract, letter of authorization for entrusted transfer payment and other legal documents with the loan applicant respectively, and open a special account for individual housing loan. The lawyer is responsible for reviewing the legal documents signed, the bank signs the loan contract and other materials, submits them to the developer and the borrower, and transfers the loan funds into the developer's account;
4. The relevant borrower shall repay the loan on time in accordance with the prescribed repayment method, repay the principal and interest of the loan, terminate the mortgage and guarantee contract, and recover the relevant mortgage proof materials.
What are the preferential policies?
1. The soldier's housing provident fund loan is preferential. Measures for loan management of military housing provident fund, since August 1, 2015, military housing provident fund can be used to purchase commercial housing, rather than the former only after military personnel transfer to work.
2. According to the measures, the loan limit of the borrower shall not exceed 400000 yuan in general according to the proportion of housing accumulation fund loan stipulated by the state; if the loan limit of housing accumulation fund stipulated by the people's Government of the place where the house is purchased exceeds 400000 yuan, it shall be implemented in accordance with the provisions of the people's Government of the place where the house is purchased.
The above is an introduction about whether the loan for veterans to buy a house is available and preferential policies. Now, the loan to buy a house has become a popular way. The main reason is that the price of the house is too high, and the total price of the house is very high. Many friends will choose the way of loan to buy a car and a house. Veterans will also face the same problem of buying a house. If preferential policies can be selected, naturally they are Well.