Why is Blue Sky Garden so cheap? How to apply for a loan for a house transaction?

Everyone knows that house prices have risen very fast in the last two years, but when dealing with real estate sales, it is definitely not enough to look at the price alone. Just like now, although many houses are cheap, it doesn't mean you can trade with confidence. There are various reasons for the low price, such as Blue Sky Garden. Recently, many people are discussing the topic of Blue Sky Garden. Why is Blue Sky Garden so cheap? How to apply for a loan for a house transaction?

Why is Blue Sky Garden so cheap?

1, Blue Sky Garden is so cheap because the location difference is incomplete. Beijing Blue Sky Garden is a building in Daxing District, Beijing. The developer Beijing Lantian Jiayuan Real Estate Development Co., Ltd./property company Jinyidu Property Management Company has 70 years of property rights. The building age of the community was 2005, and the average price of the community was 20847 yuan. The property is located in the center of Caiyu Town, diagonally opposite to Cai Yu Middle School. Residential area 1.334 million _, building area 1.60 million _, plot ratio 1.20, and greening rate of 43.00%.

2. The property is located in the center of Caiyu Town, diagonally opposite to Cai Yu Middle School. There are buses nearby: 926, 940, Xiao 9, Xing 32 and Jinsong special lines, and the traffic is very convenient.

How to apply for a loan for a house transaction?

1, relevant materials of loan preparation for housing transaction application: ID card and household registration book of this Municipality; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents are required to provide birth certificates.

2. Lenders of housing transactions must have stable and legitimate economic income and must be able to provide corresponding income certificates. Bank preliminary examination. After accepting the loan application, the handling bank before the loan will make a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant.

3. Housing transactions buy insurance for loans: Under normal circumstances, due to the long term of mortgage loans, banks require buyers to apply for property insurance in order to prevent loan risks. Sign the housing mortgage loan contract: sign the loan contract after investigation and approval. After the bank completes the registration notarization procedure, it informs the applicant to take the contract and sign the housing mortgage loan contract.

4. Fill in a market sales price (hand in the original real estate license and ID card) in the application form for housing transaction loan. Pay stamp duty, the original and photocopy of the ID card of the buyer and the seller, the original and photocopy of the real estate license, issue payment bills and return the bills.

5. Handling mortgage registration procedures: After the transfer of house property rights is completed, the bank will handle the mortgage and get the certificate of other rights 7 days after handling the mortgage. Bank loan: core production certificate transaction, bank taking back other rights certificates, and bank loan. After the bank lends money, it is necessary to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank. Some institutions also need to stamp the official seal on the confirmation of second-hand housing mortgage transfer.

See why Blue Sky Garden is so cheap? On the one hand, housing is cheap, but the reasons must be understood. Although it saves money, hidden dangers can easily make people walk into the pit. So knowing more is actually responsible for yourself, and it is relatively easy to apply for loans, and the basic process will not change much. Usually, as long as you can understand it, the follow-up operation will be fine.