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How much is the down payment for the second-hand house loan? Common problems of second-hand housing

At present, many people will buy houses through loans. In the case of insufficient funds, many people will buy houses through mortgages. In fact, this is very common. Some people have applied for loans from banks. So according to the law about buying second-hand housing loans, how much is the down payment in general? Xiaobian sorted out the relevant content for you, hoping to solve your doubts.

1、 How much is the down payment for second-hand house loan

The down payment ratio of first-hand and second-hand housing loans is the same, as follows:

1. Commercial loan: 30% down payment can be made for the first suite, 40% down payment can be made for the second or more suites.

2. Provident fund loan: 20% for the first suite. 50% for the second suite. No loan is allowed for the third suite.

2、 The second-hand house mortgage has come down, but the seller does not transfer the ownership

Open the second page of the original sales contract, there is a transfer time. Before this time, the landlord can choose not to transfer the ownership intentionally! But when it is close to the time, you have the obligation to notify him to transfer the ownership. It is better to notify him in writing. After the notification, if he still does not transfer the ownership, after the time passes, you can start legal procedures immediately and sue him for breach of contract. The liability for breach of contract should be on the sales contract Reflect, normal compensation for 20% of the total housing! This time you have to deal with the intermediary relationship!

There are many reasons why banks do not lend:

1. If the bank's lending slows down due to the credit policy, this is a force majeure factor. Only when the bank has the lending quota indicator, can it lend again;

2. If the bank does not lend money due to the improper operation of the buyer and the seller or the intermediary company, it is a breach of contract, and the breaching party shall bear the liability for breach of contract in accordance with the contract.

3、 Provisions on transfer of house ownership

The buyer and the seller of the real estate put into use shall sign a real estate sales contract. The contract text may use the model text formulated by the housing and Land Administration Bureau or the self-made contract;

If a self-made contract is used, the party concerned shall entrust a legal service institution recognized by the municipal real estate bureau to conduct preliminary examination before applying for transfer of ownership, and the legal service institution shall put forward qualified opinions on the self-made contract that meets the provisions.

After accepting the transfer application, the municipal, district and county real estate transaction management agencies shall review the application transfer information provided by the buyer and the seller. The review contents are as follows:

Whether the materials provided by the parties are legal and effective;

Whether the contents filled in the application form are consistent with the materials provided;

Whether the ownership of real estate is clear, whether there is no right to dispute or other rights are unclear, and whether it belongs to the scope of non transfer stipulated in the real estate transfer measures;

Whether the transferee can accept the real estate according to the regulations;

Whether the real estate purchased and sold has been mortgaged;

Whether the lessee waives the preemptive right when buying or selling the leased real estate;

Whether the co owners give up the preemptive right when buying and selling the common real estate;

Other contents that the real estate transaction management organization thinks should be reviewed.