Want to buy a house and collect rent

1. There is not much difference between buying a house and collecting rent and ordinary real estate transactions. Most importantly, when you apply for a mortgage loan, you must notify the bank first. Some banks will accept it, while others will not. But remember to print the lease when you rent it, and you can get the greatest legal protection after printing it.

2. Under normal circumstances, 95% of the leased property cannot be mortgaged, because mortgage insurance (no more than 25% of the property price) is only granted from residential property and will not be lent to people for investment. Rent collection is an investment, and mortgage insurance cannot be taken out.

If the bank accepts you to rent the property, the rental income can be regarded as the borrower's income.

4. The bank approves the mortgage according to the quality of the property and the quality of the contributor (whether the credit record and income are stable, the contribution does not exceed 45% or 50% of the contributor's income, and the contribution period does not exceed the contributor's 60 or 65 years old).

5. If the property price is 6.5438+0.2 million yuan, the general mortgage can only be 840,000 yuan. The mortgage of 840,000 yuan is calculated at the interest rate of .654.38+0.25 for 20 years, and the monthly contribution is 5,602 yuan.

6. It is very important to stamp the leased property, and the maximum legal protection can be obtained after stamping;

When choosing a tenant, it is best to rent it to some tenants with stable income who work in large companies and institutions;

In order to avoid disputes, it should be added to the lease that if the rent is overdue, all the expenses incurred by the landlord in taking legal action to recover the rent should be borne by the tenant (it is the tenant's responsibility to pay the rent on time, so if the tenant thinks that he is unable to pay the rent, please return the rent), and the deposit cannot be used to offset the rent, and additional terms should be signed. Sino-Hong Kong Law and Discipline Investigation Center-the only one-stop solution to Sino-Hong Kong legal litigation/Sino-Hong Kong commercial and family investigation/Sino-Hong Kong debt collection/debt settlement business, photo monitoring, children's activities, misconduct investigation, marriage and family background, staff ethics, commodity counterfeiting, VIP protection, rent collection and property collection.

tkinvestigation/zgfl

It is the same as buying a house for personal use, and there is no difference (building a house-booking-applying for a mortgage-the law firm handles the transfer procedures).

The proportion and success of mortgage depends on your income and repayment ability.

In principle, it is ok to borrow no more than 70%.

The proportion and success of mortgage depends on your income and repayment ability. Banks will not consider "possible future rental income".

Depending on your down payment and repayment period, the information you provided is insufficient.