Nanchang can't buy a second-hand house for commercial loans for many years, thank you.

1. How many years can I buy a second-hand house in Nanchang without commercial loans? Be specific, thank you

The process is as follows: take the owner to the bank and apply for a loan from the bank-the bank loan is approved and a mortgage contract is issued-take the owner to the Housing Authority for transfer (delivery)-pay taxes (the Housing Authority will notify the buyer and the seller to pay taxes after verifying that the documents are correct)-re-apply for the real estate license (you can see the original real estate license on the spot, but it will usually be taken away by the mortgage company/bank immediately) and mortgage it to the bank (. Wait for the bank to lend money)-Lend money (the mortgage company or bank will inform you to repay the loan in the second month after lending money)-Get the original mortgage contract/real estate license (not every bank will give you the real estate license, but some banks will keep the real estate license for you until the loan is paid off). In fact, when I buy a house, I think the most important thing is not to go to the Housing Authority to get the license, but to verify the housing qualification before handing over the house! Because many owners will ask buyers to pay down payment on the day of delivery, and it will take a few days for the real tax payment and the issuance of new real estate licenses. Although generally speaking, the Housing Authority accepted the transfer documents of both parties, indicating that there is no problem with the housing qualification, there is always a time difference of several days in the middle, which makes me a little uneasy. . . Be sure to find out the ownership of the house, whether there is mortgage, whether there is mortgage, etc. In advance, and answer your questions. Good luck!

I am from Sichuan. I want to buy a house in Nanchang and like second-hand houses. Can I apply for a loan from the bank?

Buying a house with a loan is actually very simple. If you are looking for an intermediary, there are procedures, which is more worry-free. Here is only the price you pay personally, whether to manage the provident fund or the municipal provident fund or the commercial loan. The advantages of commercial loans are high speed, unlimited percentage and simple procedures, but the disadvantage is that the relative interest rate is 0% higher than the provident fund. The advantage of the provident fund is 87%, but the disadvantage is that the speed is relatively slow, the procedures are cumbersome, and the loan has an upper limit. Right: First of all, you should ask the credit departments of local banks (CCB, ABC, BOC, etc.). About the upper limit of your loan (you can also tell the specific location of the house, shopping, medical care, school, transaction price, and your age (men can't exceed 60, women can't exceed 60). The bank or appraisal company will give you an estimated loan amount and down payment amount, as well as the loan period and monthly repayment amount. If you think there is no problem with the estimation, you can go to the next step. First, sign a formal sales contract with the owner, and the deposit receipt confirmed by the owner goes to the bank you confirmed before to apply for a loan. The bank will first arrange an appraisal company to evaluate the house and issue an appraisal report within 3 working days. (For example, your transaction price is 6.5438+0 million, but the bank will not give you a loan according to your transaction price of 6.5438+0 million, but arrange an appraisal company to evaluate the house. The appraised price will give you a loan, such as the transaction price of 6,543,800 yuan and the appraised price of 800,000 yuan. The conversion method is that the transaction price-the amount of the loan paid = your down payment. At this time, your down payment is ready, let the owner go to the loan bank to transfer the down payment to the owner and let the owner sign the bank's fixed down payment confirmation letter in person, and then go to the bank's credit department to sign it formally. Those who need to be present (borrower's ID card, household registration book, original marriage certificate, landlord's and spouse's house books, and certificates from both parties) can wait for loan approval. The bank will inform you and the landlord to approve the loan within 3-7 working days after you sign the formal loan contract. After receiving this notice, transfer can be arranged. When transferring money, you should bring all the above materials, and the bank will arrange a special person to be present. After paying all taxes and fees, the transfer is completed. At this time, the bank will take your house book to the bank for mortgage, and the loan will be paid to the owner's account in one lump sum within 3-7 working days after the mortgage transfer. After the transfer or the day before, you should ask the owner to settle the property fee, heating fee, water, electricity, gas and other expenses. Pay attention to the local police station and ask whether the original owner's account has moved out. As soon as the provident fund process is complicated, I will quit. I introduced the provident fund loan in detail in my space, and you will understand it after reading it carefully: first, you must determine whether you belong to the municipal provident fund or the state-run provident fund, and I will introduce it in detail below: 1. What is a provident fund loan? Housing provident fund management center's personal housing guarantee entrusted loan is also called provident fund loan, which is used by housing provident fund management center to entrust banks to buy (self-built, rebuilt and overhauled) houses. The entrusting bank, borrower or third party that issues the loan shall provide the guarantee method that meets the requirements of the management center. The second provident fund classification is 1. The registration number of the municipal provident fund unit is the ID number plus two zeros, such as110xxxxxxxxx00. The second classification of provident fund loans is 2. The registration number of state-managed provident fund units starts with 5 12 or 502, such as 512xxxxxx50. 2XXXXXXXXX 2 provident fund loan classification 3. Zhongzhi Provident Fund Loan is a retired employee who has paid the housing provident fund in the Housing Provident Fund Management Center and the Central directly under the authority Sub-center. Or other loans that meet the requirements of the branch center and are confirmed according to the relevant provisions of the state. 4. Portfolio loans can only be applied by customers of provident fund loans managed by the state. 5. Discounted loans can only be applied by customers with municipal provident fund loans. 3. The prerequisite for the borrower to pay the provident fund. The account opening date is 365 days, and the accumulated accumulation fund has been paid for more than 12 months (inclusive). At present, the deposit status is normal. The previously applied provident fund loan has been paid off. The expenses incurred by the provident fund loan are 1. Appraisal fee Appraisal fee = appraisal price ×3‰ (minimum 300 yuan/single 65,438+0,500/single cap) This calculation method is applicable to all expenses incurred by provident fund loans and four provident fund loans. 2. Guarantee fee A = loan amount × 5 ‰ B = loan amount ×3‰65438. The guarantee fee of single D discount loan = the loan process of five provident funds is calculated according to the rate table 1. City provident fund loan process evaluation-down payment-preliminary examination-face-to-face signing-transfer-lending-obtaining deed tax ticket and evaluation report-transferring real estate license to guarantee center to mortgage five provident fund loans process 2. State-managed provident fund loan process evaluation-down payment-preliminary examination-loan approval-transfer-(see deed tax provident fund loan process III. Evaluation of the loan process of Zhongzhi Provident Fund-Preliminary Examination-Loan Approval-Transfer-Face-to-face signing-Lending-Mortgage of Guarantee Center 5. Portfolio loan process evaluation-preliminary examination-loan approval-commercial loan interview-commercial loan approval-transfer-issuance-mortgage completion-transfer of other rights certificate to bank-loan 5. Provident fund loan process II. Owner: information required for the owner's ID card, real estate license and bank card when signing 1. Customer: Husband and wife ID card, household registration book, marriage certificate, (temporary residence permit), borrower's repayment bank passbook or card (China Construction Bank card), guarantee fee, 8 borrower's age 1. Municipal provident fund-18-70 years old 2. State-managed provident fund-18-70 years old 3. Zhongzhi Provident Fund-18-70 years old 4. Portfolio loan-male 18-60 years old. Female 18-605. Discounted loan-18-65 Nine-year loan 1. Municipal management provident fund-my age loan period ≤70 years ≤472. State managed provident fund-my age loan period is ≤70 years. Cici Provident Fund-Age loan period ≤675. Discount loan-my age loan period is ≤70. Age loan period ≤ 670. How to determine the loan amount? 1. The municipal provident fund a is up to 80%. B calculation formula (personal deposit amount ÷ deposit ratio -400) ÷ monthly repayment amount corresponding to the customer's loan period C. Apply for a loan from the principle of low for the above amount. D Maximum loan amount: 800,000 yuan, personal credit rating AA goes up 15%, that is, 920,000 yuan. 30% of AAA level is 6.5438+0.04 million yuan. How to determine the loan amount? 2. State-managed provident fund A can be used for second-hand housing loans, and 80% of the loan amount with lower contract price does not exceed 800,000 yuan. C the monthly repayment amount cannot exceed one tenth of the income. How to determine the loan amount? 3. CIIC Provident Fund A can be used for second-hand housing loans. The calculation formula of 80% B of the lower contract price (personal deposit amount ÷ deposit ratio -400) ÷ monthly repayment amount corresponding to the customer's loan period C. Apply for a loan from the low principle for the above amount. D Maximum loan amount: 800,000 yuan, how to determine the loan amount. 4. If there was a commercial loan before portfolio loan A, the part of B provident fund loan will be calculated according to the second suite or the provident fund policy will be implemented. The commercial loan part should implement the commercial loan policy. How to determine the loan amount? 5. Discounted loan A If there has been a commercial loan before, the part of B provident fund loan should be calculated according to the policy of second housing or implementing provident fund. The commercial loan part should implement the commercial loan policy: repayment method 1. Repayment method of municipal management provident fund-no repayment method II. Repayment method of state-controlled provident fund-no repayment method 3. The repayment method of zhongzhi provident fund-no repayment method 4. Portfolio loan repayment method There is no repayment method for the provident fund part, and the repayment method for commercial loans is the fifth part. Discount loan repayment method-commercial loan repayment method 12. What is the free repayment mode of housing provident fund loans? The housing provident fund management center shall determine the minimum repayment amount of each individual loan after negotiating with the borrower to determine the amount and duration of the individual loan. The borrower can freely choose the monthly repayment amount according to his own economic situation and not less than this minimum repayment amount. Thirteen loan terms 1. Apply for a loan after signing the transfer in person. 2. Provide the original and photocopy of deed tax ticket, acceptance notice or real estate license to the guarantee center to apply for a loan. 3. Yizhuang, Xuanwu, Tongzhou, Shijingshan, Mentougou, Shunyi and Fangshan apply for loans after the real estate license is issued. 4. City Real Estate Bureau A City Management Provident Fund applies for a loan after the real estate license is issued. B the state-run provident fund applies for a loan after the real estate license and land certificate are issued. The relationship between the real estate license and the borrower is 1. Couples can only issue real estate licenses, and it doesn't matter whether the real estate licenses are borrowers or not. 2. Non-couples must have a * * certificate to buy a house. It doesn't matter whether the borrower is a big name or not. 15. The order of signing the real estate license and the contract is also the order of issuing the real estate license. For example, the order of signing the contract is: Zhang San, Li Si. Zhang San is the big card of the real estate license, and Li Forty-six is the provident fund loan for foreigners to buy a house in Beijing 1. First of all, this customer must have a deposit record in Beijing. 2. If the deposit in Beijing is less than 65,438+02 months, the deposit certificate must be issued at the original deposit office, and the cumulative requirement of the two places reaches 65,438+02 months. 3. Beijing temporary residence certificate. Other policies are the same as those of Beijingers. /kloc-can I still borrow provident fund if I have borrowed provident fund before 0/7? 65,438+0. Municipal Administration, State Administration and Zhongzhi-as long as they are paid off, they can continue to make provident fund loans. 2. Portfolio loans and discount loans-you must implement the second set of policies. /kloc-can I still borrow provident fund if I have had commercial loans before 0/8? 65,438 Cizhi-will not be affected 2. State management, combination, discount-if there is an expected record, the loan may not be released. 19 Can the provident fund loan be repaid in advance 1? City provident fund-call 96 155 to make an appointment in advance. 2. State-run provident fund-make an appointment at the State Administration Center in advance. 3. Zhongzhi Provident Fund-Call 9 155 to make an appointment in advance. 4. Portfolio loan-make an appointment in advance at the state administrative center. 5. Discount. The client must be present in person at the preliminary examination, and the agent can handle the notarization interview. The customer and the owner are married. Can I only go when I go through the relevant formalities? 1. Urban Management First Instance A: The client owner is present at the meeting. B: The owner does not have to be present, but the client couple is present at the meeting. 2. The first trial of state management A: The customer is present in person, and the owner does not have to attend the meeting B: The customer and his wife are present. The host doesn't have to be present. 3. The first trial of CIIC A: the client himself was present. B's face-to-face: the customer owner does not have to be present. Face-to-face signing of B: the client's husband and wife and the owner are present. 5. First trial of discount A: Face-to-face signing of B: both the customer's husband and wife and the owner are present. What is the maximum amount of a single loan? 1. municipal administration: the maximum loan is 800,000 yuan, and AAA is increased to 6.5438+0.04 million yuan. 2. State management: the maximum loan is 800,000 yuan. 3. CIIC: The maximum loan is 800,000, the personal theft credit AA rises to 920,000, and the AAA rises to 654.38+0.04 million. 4. Combination: the minimum loan is 8,654,38+0,000 yuan. 5. Discount: Non-husband and wife customers who are higher than the loanable amount of the customer's provident fund can * * *. The real estate license must have the names of all buyers. The contract price of the transfer is different from the contract price of the loan application. Is it okay? Absolutely not (except discount loans). Do the owners have minors who can get loans? 1. Urban Management: Yes, you need a guardianship certificate. 2. State Administration: No.3 Zhongzhi: No.4 Combination: No.5 Offer: Yes, minors need ID cards. 26 borrowers were employed. If the borrower's provident fund has been withdrawn and cancelled, the customer needs to issue a deposit certificate of the provident fund to the unit. The borrower's age and loan life cannot exceed 70 years (whichever is older). 27 Calculate the customer's maximum loan amount according to the customer's deposit ratio: (customer's deposit amount ÷ deposit ratio -400) ÷ monthly repayment amount corresponding to the customer's loan years. Example: the customer deducts 2 15 yuan from his salary every month, and the company pays 12%, and the customer asks for a loan of 30%. Calculate the customer's loan amount: (215 ÷12%-400) ÷ 51.2 = 27.18a: according to the deposit ratio, the customer can borrow up to 27 1 10,000 yuan. Twenty-eight according to the customer's deposit ratio, the customer's maximum loan amount is 800,000 yuan. Can you directly agree to the customer's provident fund loan, which can be 800,000 yuan? If you can't promise, you must also confirm whether the contract price and the evaluation price can meet the loan requirement of 800,000 yuan. 29. If only one of the client's husband and wife has provident fund, can they make provident fund loans? Whose real estate license do you need? Only one of the client's husband and wife can apply for provident fund loans, and the real estate license can be issued by either party. Can the customer withdraw the provident fund during the repayment period? 3 1 Can the provident fund loan be supervised by funds (supervised by China Bank Dongcheng Sub-branch) 32 Can the provident fund loan be placed in the name of someone other than the owner or the loan company? 1. Market management: No.2 State management: it must be notarized before it can be placed under the name of a non-property owner. 3. Zhongzhi: Combination No.4: It must be notarized before it can be placed under the name of the non-property owner. 5. Discount: 33 customers couldn't get it last month. Well, can you calculate the loan amount with the new deposit immediately? No, because the provident fund management center only makes an adjustment in July every year, so the new deposit amount will not take effect until it is adjusted by the provident fund management center. Customer's repayment date The customer's repayment date is the loan date of the provident fund loan, which means that the same day of each month is the repayment date of the loan customer.

Third, how many years can't a second-hand house be loaned?

The age of second-hand houses varies from place to place. But under normal circumstances, as long as it is a second-hand house that is more than 15 years old, it is not easy to get a loan, especially in recent years, the bank quota has been relatively tight. However, it's not that old second-hand houses can't get loans. If the location of the second-hand house is very good, the traffic environment of the second-hand house is very good, and the realized value of the second-hand house is strong, there will also be bank loans for the second-hand house for 20 or even 30 years. It will be decided according to the comprehensive situation of second-hand houses. Linyi online real estate network WeChat upgrade! Pay attention to the WeChat of Linyi online real estate network, and you can inquire about real estate information, real estate activity preview, real estate group purchase, pre-sale inquiry, real estate weekly inquiry, real estate monthly inquiry, convenience entertainment, member registration and sign-in, as well as many interactive games such as roulette, scratch music, coupons and voting. Anytime and anywhere. Try it quickly!