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How to deal with second-hand housing loans?

How to get a loan for buying a second-hand house?

Nowadays, many people need loans to buy second-hand houses, which can also reduce their pressure and make their lives more comfortable. However, the second-hand housing loan process is very complicated, which is unknown to first-time buyers. Then, let Bian Xiao share with you how to buy a second-hand house.

First, how to buy a second-hand house with a loan

1, see the house

First of all, you need to know about the house, go to the field to see it, and then decide whether to buy it or not.

2. Sign a loan contract

When signing the loan contract, both parties need to be present and bring relevant materials, and the buyers need to prepare the down payment.

Step 3 evaluate

Please ask the appraisal company to go to the site to evaluate the house, and the owner should actively cooperate.

4. Online signing

The signing center will send people to take both parties to the online signing office of the Construction Committee for online signing, and the price of online signing should ensure the loan demand of customers.

Step 5 review

According to the information submitted by the buyer and the seller, the comprehensive evaluation report and the online signing, the audit will be conducted.

6. Lending approval

After the audit is completed, it is determined whether the loan can be approved and how many loans are approved. The bank will give the loan approval certificate.

7. Transfer of ownership

Before the signing center arranges the transfer between the two parties, the buyer and the seller shall handle the property fee; On the day of transfer, you have to go to the local tax bureau to pay various taxes, and the buyer can get the certificate and the invoice issued by the local tax on the same day.

8. Loans

Lend money to the seller within three working days after the transfer is completed.

9. Delivery of property

After the transfer is completed, the two parties will hand over the house, usually on the day of transfer, unless there are special circumstances.

10, get the house ownership certificate.

You can get the real estate license within ten working days after the transfer, but it is slow in some places, depending on local conditions.

1 1, mortgage registration

After the transfer is completed, the buyer needs to go to the bank for mortgage registration. After the transfer is completed, the original house will be handed over to the buyer.

The article concludes: The above is about how to buy a second-hand house, and I hope it will help you. Want to buy a second-hand house, you can first understand the specific loan process, so as to successfully complete the loan.

What are the precautions for second-hand housing loans?

Note 1: Evaluating the price and the maximum loan amount When applying for a second-hand housing loan, the bank will generally evaluate the property first, and the evaluated value will generally be lower than its market value. When a bank lends a loan, it is based on the low value between the contract price and the evaluation price, and then multiplied by the loan ratio, which is the maximum loan amount of the property. Note 2: The year of completion and the year of loan are usually easily overlooked by borrowers. In fact, in the process of loan approval, banks usually take the year of completion as the main condition affecting the borrower's loan application period. At present, the policy of most banks is "the loan period of house age is ≤35 years". For example, a house was completed in 1994, and the current age of the house is 15, so the longest loan period is 20 years (that is, 35- 15). Note 3: Loan Proportion and Interest Rate At present, the policies of banks in Beijing for second-hand houses are 20% down payment for the first suite, 30% down payment for the second suite and 40% down payment for the second suite, and the interest rate 10% will rise. The policy of provident fund loans is whether commercial loans have been used before and whether they are settled now. As long as it is the first time to use provident fund loans, the interest rate is based on the current down payment of 20% for provident fund loans and the interest rate of 3.87% for loans over five years. However, if you have used provident fund loans before, you can use them only after settlement when you apply for provident fund loans again (at present, some provinces and cities can apply for secondary provident fund loans without settlement). Note 4: Selection of repayment methods The repayment methods of banks mainly include matching principal and interest, average capital, biweekly payment and fixed interest rate. Various repayment methods are aimed at different customers. For example, equal principal and interest are suitable for teachers, civil servants and other working-class people with stable income; The average capital is suitable for borrowers who can bear greater repayment pressure in the early stage. For example, the repayment method can save more interest than the former; Biweekly payment is suitable for borrowers who pay wages every week or at the middle or end of the month. Borrowers should not choose repayment methods that are not suitable for them in order to save interest. In addition, borrowers should also combine their existing repayment ability when applying for loans, and the monthly payment should generally not exceed 50% of family income. Note 5: There are many commercial banks that choose loan banks, but the characteristics of each service are different and the types of loans are different. For example, as mentioned earlier, not all banks have biweekly loans. If the borrower chooses common mortgage products, it needs to make a comprehensive choice according to the number of bank outlets, the convenience of repayment, the bank where wages are paid and other conditions. Of course, soft conditions such as service quality should also be considered. Note 6: Proof of Income and Repayment Ability When issuing loans, banks will require borrowers to provide proof of their repayment ability, which is what we often call proof of income. The income certificate is generally the income certificate issued by the borrower's unit. If the applicant is married and a person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan with the income certificate at the same time. After the conditions are met, the bank can also approve. In addition, the family also has some other assets, such as large deposits, bonds, real estate and so on. It can also be used as proof of income, and banks will generally make reference. Note 7: Borrower's personal credit information: Personal credit records are very important for lenders, because the central bank's credit information system is currently networked nationwide. Personal credit, as a reference for bank approval, directly affects the bank's evaluation of the borrower's repayment ability. At present, credit files mainly include: credit cards, real estate mortgage loans and other types of loans. Among them, credit card records are details that many borrowers easily ignore. Although most credit cards are small consumption, whether to repay on time directly reflects personal credit. Borrower's age: At present, banks generally stipulate that borrowers should not be over 65 years old. For example, the borrower is now 45 years old, so the longest loan period is 65 MINUS 45 or 20 years. Note 8: The process from applying for a loan to applying for a loan requires the cooperation of many institutions (including appraisal institutions, guarantee institutions, banks, etc. ) to complete. Under normal circumstances, banks need customers to choose the corresponding guarantee service institutions. If through the guarantee agency, the bank will generally pay the house payment to the owner within 3-4 working days after the buyer and seller complete the transfer procedures. Plus the previous evaluation and bank approval time, it can be completed within 7 working days at the earliest. Therefore, in the process of handling the mortgage, we must cooperate with various institutions, including the preparation of personal data, and need the procedures signed by the borrower, so as to ensure that the borrower can complete all the procedures in the fastest time.

How to calculate the second-hand housing loan

Question 1: How to buy a second-hand house and how to apply for a second-hand house loan?

Answer: (1) The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract; (2) Eligible buyers apply for loans from loan banks and provide relevant certification materials; ⑶ The buyer and the seller go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal; (4) The law firm identifies, investigates and analyzes the borrower's credit certification materials and evaluation reports, and issues legal opinions; 5] The loan bank shall examine and approve the loan and inform the loan applicant whether to agree to the loan; [6] The buyer and the seller handle the transfer of property rights. After the transfer, the borrower goes to the bank to handle the loan procedures; (7) The purchaser signs a second-hand house mortgage loan contract with the loan bank; (8) The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; (9) After the loan contract comes into effect, the loan bank will allocate funds according to the loan contract; ⑽ The borrower repays the loan on a monthly basis; ⑾ The borrower pays off the principal and interest of the loan and cancels the mortgage guarantee.

Question 2: How to calculate the house loan? The total amount of expert consultation is 687,500 yuan. If your minimum down payment is 30%, the down payment should be 206,250, and the total loan amount is 48 1.250 yuan. The down payment is 206,2501250 = 207,500 yuan. The total loan amount is 480,000 yuan only.

If the benchmark interest rate of bank loans is 6.55%

10 years, monthly payment of more than 5460. Interest is 655500 yuan, and interest 175500 yuan.

15 years, the monthly payment is about 4,200 yuan, with interest of 755,000 yuan and interest of 275,000 yuan.

If the loan interest rate can be 15% off. 5.22% interest rate

The monthly payment of 10 is about 5 150, with interest of 6 17000 and interest of 137000.

15 the monthly payment is about 3,850 yuan, with interest of about 690,000 yuan and interest of about 210.3 million yuan.

The discount of interest rate depends on whether there is a discount on the loan.

The monthly payment depends on your repayment ability and down payment ratio.

Generally speaking, the more down payment, the shorter the loan term, the less interest you pay and the lower the monthly payment.

The lower the down payment, the longer the loan term, and the more interest you have to pay, but the monthly payment will not be much.

Question 3: How to calculate the down payment for second-hand housing loans? Calculation method: net down payment = actual transaction price-customer loan amount (net down payment: down payment excluding national tax and intermediary service commission)

Second-hand housing loan down payment:

1. Seller factor

1) Purchase the house in full or pay off the bank mortgage.

If the buyer does not have much money, but the credit status is good, generally only 20% down payment is needed as the down payment of second-hand housing loans.

2) The mortgage has not been paid off, and the buyers are required to cooperate with the repayment.

According to the credit status of buyers, the general down payment is 30%. In addition, it is suggested to take the fund supervision procedure to avoid losses due to some reasons.

2. Buyer's factor

1) There are sufficient funds to pay the house price in one lump sum.

Of course, this situation does not involve the down payment.

2) The buyer is short of funds and needs a loan. This depends on whether there is real estate under the name of the purchaser. How many properties are there?

(1) If there is no house under its name, or there is no property with outstanding loan, then the second-hand house purchased is the first suite, subject to the evaluation price, not the market price. If some cities have introduced policies to restrict purchases and loans, the local policies shall prevail.

(2) There is still a set of property under the name that has not paid off the loan, so the second-hand house purchased is the second suite. Apply for a loan, the down payment ratio shall not be less than 30%. The corresponding loan interest rate will also rise.

(3) If there are two properties under the name of the purchaser and they are all repaying normally, you can't apply for a loan to buy a second-hand house.

3. The second-hand housing factor

If the purchased second-hand houses are poorly located and older, some banks will also increase the down payment ratio and loan interest rate.

Question 4: How to calculate the second-hand housing mortgage loan? The second-hand housing loan is based on the appraised price of the house, and banks with different appraised prices may have differences. Search the mortgage calculator directly on Baidu, and you can help you calculate the monthly payment as long as you enter the loan amount and the number of years.

Question 5: How do second-hand housing loan owners calculate the down payment ratio of second-hand housing loans?

1. If the last one has paid off the mortgage or does not need the buyers to share the loan, and the buyers are very talented and can get 80% of the second-hand housing loan, then only 20% of the second-hand housing loan down payment is required.

2. If the last one has not paid off the loan and requires the buyers to cooperate with the loan repayment, then it is safer to go through the fund supervision procedures and then make a down payment of 30% of the second-hand housing loan.

3. If the buyer has sufficient funds and can pay the house price in one lump sum, there is no need to pay the down payment for the second-hand house loan.

Calculation method of down payment for second-hand housing mortgage loan;

Net down payment = actual sales price-customer loan amount (net down payment: excluding state taxes and intermediary service commission)

Loan amount = 80% of the appraised price of the second-hand house (the first loan amount can reach 80%).

The loan amount budget method can be used to estimate the approximate evaluation quotation at 85% of the contract price.

If it is the first time to buy a second-hand house, the second-hand house mortgage loan should be at least 30% down payment, and 70% can be loaned; If it is a second-time house purchase, the down payment of the second-hand house mortgage loan shall not be less than 70%; The interest rate is 6.55%.

Note: customers and owners can negotiate when to pay the down payment for the sale of second-hand houses, but they must pay taxes before the transfer. Usually, the house purchase deposit of 10% is paid when signing the contract (if the buyer does not buy it, the owner will not refund it; If the owner doesn't sell it, it needs to be returned to the buyer twice); The rest can be recorded at the agreed time, such as the down payment balance before the final tax payment within one week, half a month or one month.

Delivery time of second-hand house:

The time required for full purchase and loan purchase is different, as follows:

First, the full purchase, about 7 days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Down payment for house transfer: 1 day.

3. Pay taxes and get a new real estate license: 4 working days.

4. Final payment of property delivery and payment: 1 day.

Two. Buying a house by loan takes about 20 working days.

1, house inspection, the buyer and the seller reach an agreement and pay the house purchase deposit: 1 day.

2. Submit the loan application and sign the loan contract: 1 working day.

3. Property appraisal and third-party guarantee: 1-2 working days.

4. Bank approval: 5 working days.

5. Down payment for house transfer: 1 working day.

6. Pay taxes and get a new real estate license: 4 working days.

7. It takes 2 working days for the bank to receive the loan contract and mortgage registration.

8. Bank loan to the seller, property delivery and final payment: 2-5 working days.

Question 6: How to calculate the down payment of second-hand housing mortgage loan? According to commercial loans and provident fund loans, the calculation criteria for loans are as follows:

(a) the buyer's commercial loan to buy a house:

1. The buyer chooses a commercial loan to purchase the first house, with the minimum down payment ratio of 30% of the appraised house price and the maximum loan ratio of 70%;

2. The buyer chooses commercial loans to purchase more than two houses, with the minimum down payment ratio of 50% of the appraised house price and the maximum loan ratio of 50%;

3. If the buyer chooses a commercial loan to purchase a commercial house, the minimum down payment ratio is 50% of the appraised house price, and the maximum loan ratio is 50%;

(II) Purchase of house by the buyer's provident fund loan:

1. The buyer chooses provident fund loan to purchase the first house, with the minimum down payment ratio of 20% of the appraised house price and the maximum loan ratio of 80%;

2. The buyer chooses provident fund loans to buy two houses, with the minimum down payment ratio of 40% of the appraised house price and the maximum loan ratio of 60%;

3. The buyer cannot use the provident fund loan when purchasing three or more houses and commercial houses.

Question 7: How to calculate the transfer fee of second-hand housing loan? Taxes and fees payable by buyers in second-hand housing transactions include: 1. Deed tax: 1.5% of the house price (3% for areas above 144 square meters and1%for areas below 90 square meters); 2. Stamp duty: 0.05% of the house price; 3. Transaction cost: 3 yuan/m2; 4. Surveying and mapping fees: by region. The taxes payable by the seller include: 1. Stamp duty: 0.05% of the house price; 2. Transaction cost: 3 yuan/m2; 3. Business tax: 5.5% difference (if the real estate license is less than 5 years); 4. Personal income tax: 20% of the profit of real estate transaction or 1% of the house price (the real estate license is more than 5 years and the only house is exempt). Take a house with a total value of 400,000 as an example, the transfer fee is nearly 30,000. Among them, the buyer needs to bear a large cost of deed tax; Other expenses shall be borne by the seller, but generally the seller will agree to be paid by the buyer.

Question 8: How is the commercial loan amount for purchasing second-hand houses calculated? If your city has China Merchants Bank, you can try to apply for a loan through China Merchants Bank. The maximum loan/credit line shall not exceed 70% of the mortgaged value of the purchased property, and must comply with the relevant regulations of the regulatory authorities and banks. If the policy of the regulatory authorities is adjusted, it shall be implemented in accordance with the relevant regulations of banks and regulatory authorities. The mortgage value shall be determined according to the principle that the present value of the mortgaged property is lower than the transaction price.

For specific information about the corresponding amount of the loan, you can also confirm it in detail through the counter personal loan department when applying through the counter personal loan department.

Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.

Question 9: Buying a second-hand house loan. How to calculate one according to the flat valuation? The appraisal price is based on the market comparison method of real estate appraisal, and the average unit price of a specific real estate is converted through professional treatment of the listed price of the house for sale in the same real estate and the actual transaction price of the same type of real estate.

Second, a set of old house value geometry cannot be "roughly estimated" by experienced appraisers, and there must be a set of calculation and operation methods. The "market comparison method" is mainly adopted, and three sets of comparable properties that meet the following requirements are usually selected: similar to the location of the house to be evaluated, similar in transaction time, same in property rights, same in apartment type, similar in building age, same in structure, same in ownership and similar in value. Taking the transaction price of these three houses as the comparison object, plus several correction coefficients, the final arithmetic average is the appraisal price of the entrusted appraisal house.

Third, when signing online, the transaction amount can be used as the online signing price according to the evaluation price, which can save some tax money. For example, if the actual transaction price is 6.5438+0 million and the evaluation price is 900,000, 900,000 can be used as the online signing price.

Question 10: How to calculate the down payment of the house loan? The average price of the house is 4000, and the total price of the house is 440 thousand.

To calculate the down payment, we must first calculate the loan amount, with a down payment of 30% and a loan of 70%.

The loan amount is calculated according to the regional guidance price (the lowest transfer price stipulated by the Construction Committee), which is generally lower than the transaction price 10%.

4000-(4000X 10%)=3600 (regional guide price)

3600X 1 10 square meter =396000 yuan.

396000 x 70% = 27720 yuan (this is your loan amount).

440,000 yuan (transaction price)-277,200 yuan (loanable amount) =162,800 yuan.

Your down payment is 6.5438+0.6 million.

The monthly payment is calculated like this.

Loan amount x loan term x interest rate = monthly payment

277200X20X7.05=39085200

Monthly payment for 400 yuan.

As long as you are an adult, you can apply for a loan. You don't need to work or start a business. Bank mortgage and buying a house are basically random loans!

How to get a loan for buying a second-hand house?

When buying a second-hand house, if you want a loan, you need to master certain processes. What about buying a second-hand house loan? PChouse, let's take a look.

1. First of all, as a loan, we need to confirm the mortgage service company with the intermediary before handling the loan, and ask the mortgage service company for loan consultation to determine the loan plan. At this time, we should choose and try to find some companies with low quality and service prices.

2. After confirming the intention of buying a second-hand house with the buyer, everyone needs to provide the provident fund account number, and the mortgage service company we choose will inquire about the provident fund to determine the loan amount and loan term. It should be noted that if everyone has less money and income, there should be more repayment periods, which can reduce the pressure.

3. Sign a house sales contract with the second-hand house owner. Due to the different requirements of the trading center, everyone needs to sign according to their own geographical situation. This can be referenced. It's simple. Then we have to prepare loan information and review loan qualifications. Generally, the review time is very fast, so don't worry.

4. After the mortgage service company has passed the preliminary examination, it will submit the loan information to the loan bank for review. If the bank also passes, the mortgage service company will arrange for everyone to sign a loan agreement with the bank, notarize the agreement, and collect fees, including housing insurance, so that our procedures can be seen to be good.

5. Go to the transaction center in the area where the house is located to handle the house transfer and mortgage procedures, and hand over the mortgage receipt to the loan bank through the mortgage service company, which will handle it. When handling the transfer, you must be careful and pay attention to the specific situation of your house.

6. As a lender, after the real estate license and other rights certificates of Renren Loan are issued, the mortgage service company will hand over the copy of the real estate license of Renren Loan and the original certificate of other rights to the bank according to the regulations. After our loan bank receives everyone's real estate license and other rights certificates, the mortgage service company will distribute the loan amount to everyone, so the whole procedure is basically over.