Why is the price of Yujingyuan low? How to handle the second-hand mortgage?

Several related factors should be considered when buying a house by loan, including the process of loan, matters needing attention in loan, repayment pressure, etc. And some people don't know much about loans and ignore the correct handling methods, which may affect the quality of life in the future. You can pay more attention to why the price of Yujingyuan is low, understand how to handle the second-hand mortgage, and choose the repayment method according to the actual needs.

Why is the price of Yujingyuan low?

Yujingyuan, located in Chaoyang District, Beijing, was completed in 200 1 year. Now, there are 6 sets of second-hand houses for sale1year, and 7 sets of rental sources. The residential property is Beijing Zhongyuan Huaxia Property Management Co., Ltd., and the transaction price of Yujingyuan is 5 1888 yuan/m.

Yujingyuan Community belongs to the high-quality community in Warwick Bridge Business Circle, Chaoyang District, Beijing. I love the store near my home, which is the flagship store of the beautiful East. The developer is Beijing Songyu Garden Real Estate Development Co., Ltd. * * * There are 2 houses and more than 543 houses, mainly towers. The main units are 2 rooms 1 hall, 3 rooms 1 hall, 3 rooms, 2 halls, 6 rooms, 2 halls and 7 rooms, 2 halls.

When the lender handles the loan, the bank will cancel the pledge. For example, if it is necessary to go through the prepayment procedures, Hefei Small Loan Bank normally requires the lender to submit a written or telephone request 15 working days in advance, and the bank will accept the loan. If it is a lender who has paid off the full amount, Hefu Microfinance is prepared to make a remaining loan in the bank, so that the lender can take out the remaining money to repay the loan in advance.

How to handle the second-hand mortgage?

1, handling housing loans is one of the purchase procedures that many buyers need to face. Most property buyers know little about loans, so they waste their time in handling loans. Buy a house with clear property rights and choose a real estate transaction agency that can handle mortgage loan business to handle agency matters.

2. The buyer and the seller shall provide relevant information. Among them, the materials that the buyer (lender) must provide include: household registration book, ID card, education certificate, proof of marital status, house purchase agreement signed by the buyer and the seller, income certificate of husband and wife (unit income certificate), other property certificates including deposit certificate and securities, and two recent photos of husband and wife; The information provided by the seller includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, proof of property right of the house sold, and proof of approval for listing.

3. Go to the law firm designated by the bank and fill in the application form for second-hand housing mortgage. The lawyer will submit all the supporting materials to the bank for loan approval and pay 4% of the value of the purchased house. Attorney's fee.

4. The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend. The seller and the buyer shall go through the formalities of property right transfer at the real estate transaction management department of the real estate bureau where the house is located. After receiving the deed of sale, it will be sent to the bank, and the bank will allocate funds. Go to the real estate bureau to register the house mortgage, and the borrower will repay the interest on a monthly basis.

The content introduced above is why the price of Yujingyuan is low. When buying real estate, we should understand some basic problems, including the influencing factors of house price, the way of transaction, the process of transaction, the form of handling loans and so on. If you choose some inferior trading schemes, it may affect everyone's purchase and is not conducive to the safety of future transactions. In addition, we should pay special attention to how to handle the second-hand mortgage.