Should I leave the full invoice for buying a second-hand house by mortgage in the bank or give it to myself?

The invoice is in the owner's own hand. For the owners in mortgage to buy a house, the development company will issue the down payment invoice first, and the remaining loan invoices will be uniformly issued to the owners when applying for the certificate. If you need to get the unopened invoice, please bring the down payment invoice, ID card, loan voucher and loan contract to the sales department of New City to get it from the property consultant.

1. What documents do I need to buy a second-hand house by mortgage?

1. Materials required and provided by the buyer: ID card (husband and wife) and temporary residence permit (foreigner). Household registration book (both husband and wife). Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate). Proof of income or debt settlement level (issued by the unit). Copy of business license stamped with the official seal of the domicile unit (presented by the unit). Academic certificate (junior college or above). Borrower's current passbook. Other materials required by the bank.

2. Materials required and provided by the seller: ID card (husband and wife) and temporary residence permit (foreigner). Household registration book (both husband and wife). Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate). Certificate of sale between lover and owner (fixed mode) and house title certificate. Purchase of public housing, centralized delivery of housing, affordable housing, demolition of housing, should provide the original purchase contract, agreement and related documents. Other materials required by the bank.

Second, what are the precautions for buying a second-hand house by mortgage?

1. If it is a provident fund loan, don't prepay it in the first year. According to the relevant provisions of provident fund loans, the amount of prepayment should be more than six months after one year of repayment.

Don't forget to find the bank around you when you have difficulty in repayment. When your debt repayment level drops during the loan period and you encounter difficulties in repaying the loan, don't start your own business. You can ask the bank to extend the loan period. After the bank verifies that the loan principal and interest are not in default, the bank will accept your request to extend the loan term. However, according to the regulations, the loan term can only be changed once.

Don't lose the loan contract and IOU. To apply for a second-hand housing mortgage loan, the loan contract and iou signed by the bank and you are important legal documents. As the loan term can be as long as 30 years, as a lender, you should properly keep the contract and the iou, read the terms of the contract carefully, and be clear about your rights and obligations.