Can I get a loan for my apartment?

The apartment can be loaned. An apartment can be loaned, provided that the lender meets the loan conditions, has a legal status, has a stable income, has the ability to repay the principal and interest of the loan, has no bad credit record, has a legal and effective purchase contract, and other conditions stipulated by the loan bank. If you meet these conditions, you can apply for an apartment loan at the bank. : 1. How much is the down payment for buying an apartment loan? According to the relevant national laws and regulations, the property rights of apartments are mostly 40 years. At present, it is not limited to buying or lending. If you want to mortgage an apartment and borrow money from the bank to buy a house, you need to pay 50% down payment, and the longest loan period is 10 year. You can't apply for provident fund loan to buy an apartment. In addition, the utilities of apartments and the property fees of residential areas are charged according to commercial standards. 2. What are the disadvantages of buying an apartment? 1. Short land use period: the land use nature of business apartments generally belongs to the nature of "shopping malls, office buildings and hotels". The service life of the land is only 40 years and 50 years, and the service life of the apartment expires, so it is necessary to pay a high premium to continue to use the land. 2. High taxes and fees make it difficult to change hands: According to the relevant policies and regulations of China, land value-added tax is not required for ordinary residential second-hand housing transactions, but land value-added tax must be paid for commercial apartment second-hand housing transactions. The collection of land value-added tax is generally based on the value-added amount of land transfer, that is, 30% to 60% tax is levied on the value-added part according to the value-added amount. In addition, a business tax of 5.5% is required according to the total transaction price of real estate. All taxes and fees add up to almost 10% to 14% of the total transaction price of real estate. 3. High mortgage interest rate and short service life: Commercial apartments will not be affected by residential purchase restriction orders and loan restriction orders. However, because the apartment is a commercial property, the apartment loan can be up to 50%, and the longest service life is 10 year, so the apartment cannot apply for provident fund loan. 4, management fees, utilities are more expensive: the utilities of the apartment are charged according to the standard of commercial utilities. If the water fee standard of residential property is 2 yuan/cubic meter, then the water fee standard of commercial property is about 4 yuan/cubic meter; The standard of electricity charge for residence is 0.5 yuan/kWh, so the standard of electricity charge for apartment is probably 1 Yuan/kWh.

Second, the housing mortgage loan process

1. Materials that the borrower should provide, such as ID card, household registration book, income certificate (temporary residence permit within the validity period and social security payment certificate or tax payment certificate in the last five years are required for non-Beijing citizens) and a copy of the business license stamped by the company. In addition, a copy of bank account statement or passbook for more than 6 months, marriage certificate (marriage certificate, divorce certificate or single certificate), spouse ID card and household registration book, legal and effective down payment certificate, highest education certificate (not required by junior college), credit certificate (optional), vehicle driving license, real estate license, stock list, deposit certificate, deposit certificate, securities under the borrower's name and other conditions stipulated by the bank are also required. Second, the materials of the house seller (original property owner) should be provided, such as the ID card of both husband and wife, household registration book, marriage certificate, property certificate of the transaction house, and the original purchase contract of the house (if the house is handed over, the listing certificate should be issued separately). Note: the signature of the buyer and his wife is required on site, and the above documents must be original. After checking the copy, you can return it. Mortgage registration fee: 80 yuan is the lowest in residential category, and 5 yuan is the stamp duty; 5. After the loan is approved by the loan approval, loan and mortgage registration bank, the buyer and the seller go to the real estate bureau for transfer with the loan approval certificate; After receiving the new real estate license, hand it over to the loan bank, and the borrower will cooperate with the mortgage registration; After the mortgage registration is completed, the bank will pay part of the loan to the seller's account and the new real estate license will be returned to the borrower. Specific mortgage process of intransitive verbs: 1. Provide basic information (husband and wife ID card, household registration book, marriage certificate, copy of income certificate and unit license, bank statement) as required by the bank, and the seller's husband and wife ID card, household registration book, marriage certificate and house book; 2. The general assessment takes 3 working days (from 400 yuan), and it can be approved within 3-7 working days after the materials are complete; 3. It takes about 1-3 working days for the bank to register the mortgage online and print and stamp the new property right certificate. 4. After the mortgage registration is completed, the bank will release the loan to the seller's account within 1-3 working days with the property certificate.

3. How is the apartment mortgaged?

The apartment is divided into property rights. An apartment with 70-year property rights can be given 30% down payment and 70% mortgage, and the longest loan can be 30 years. For apartments with 40-year property rights, you can only give 50% down payment and 50% mortgage, and you can only borrow 10 years.

What should I do if I buy an apartment at the age of 4.55 and get a 200,000 mortgage for 40 years?

If the money is not enough, you can only repay the loan slowly on time. If you have more money, you can repay in advance.