At ordinary times, we often see some windows giving priority to soldiers. Soldiers have some preferential policies, but it also depends on what they are. Many veterans will want to buy houses after they return to their hometown. So what are the loan policies for veterans to buy houses? What are the preferential policies for veterans to buy houses?
Is it OK for veterans to buy houses?
As for the question of whether soldiers can buy houses with loans, of course, the answer is yes. Just provide relevant materials such as a copy of the officer's certificate, the original income certificate, the original marriage certificate or bachelor's certificate. Soldiers can also apply for loans to buy houses.
1. The borrower should 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 be issued the "application notice", and the ID card, household register, marriage certificate, house purchase contract, income certificate and other information required by the loan bank will be submitted to the law firm designated by the bank.
2. Then, the lawyer will conduct a preliminary examination of the loan applicant's materials, issue a "legal opinion" and "see certificate" to the bank, evaluate the identity and credit status of the loan applicant, collect relevant fees, purchase housing insurance at the bank counter, and pay the housing insurance fees at one time;
3. The bank shall reexamine the credit information of the loan applicant. After the approval, the lawyer shall arrange to sign individual housing loan contract, guarantee contract, power of attorney for entrusted transfer payment and other legal documents with the loan applicant, and open a special account for individual housing loan. The lawyer is responsible for reviewing the signed legal documents, 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 borrowers shall repay the loan on time, repay the principal and interest of the loan, terminate the mortgage and guarantee contract, and take back the relevant mortgage proof materials in accordance with the specified repayment methods.
What are the preferential policies?
1. The soldier's housing provident fund loan enjoys preferential treatment. Since August 1, 2015, the housing accumulation fund for military personnel can be used to purchase commercial housing instead of obtaining the accumulation fund only after military personnel change jobs.
2. According to the measures, the loan limit of the borrower shall not exceed 400000 yuan according to the proportion of housing provident fund loan stipulated by the state; if the loan limit of housing provident fund exceeds 400000 yuan according to the regulations of the people's Government of the place where the house is purchased, it shall be implemented according to the regulations of the people's Government of the place where the house is purchased.
The above is about whether the veterans can buy a house with loans and the introduction of preferential policies. Now the loan to buy a house has become a popular way, mainly because the house price is too high, and the total price of the house is very high. Many friends will choose to buy a car or a house with loans. Veterans will also face the same problem of buying a house. If the preferential policies can be chosen, it is natural well.