Second-hand housing mortgage loans to pay attention to issues

Mortgage to:

Refers to the property to the seller has been mortgaged to the bank or a mortgage to buy property and pay off has not yet transferred to the buyer, the buyer due to the bank to grant loans for the repayment of the original mortgage / mortgage, a real estate foreclosure certificates, in order to apply for transfer By the buyer to pay now mortgage / mortgage business. In other words, is still in the mortgage for re-sale housing, the Housing Authority will continue to reimburse the buyer the seller's mortgage paying back the principal. At present, second-hand housing market and mortgage peer to cross to mortgage both cases. As the buyer's credit loans will and the capacity for the month, the financial arrangements for the purchase is different to the mortgage, the buyer can apply for the different needs of their term and the amount of the loan and repayment methods. As a practical matter, to have been adopted as the seller of mortgage loan way ahead of schedule, so the buyer's and seller's loan can not not pay off the loan.

Buyer:

1, the couple's identity cards, the account of this, the original marriage certificate;

2, buyers and sellers to sign a contract for the sale of the Original (2);

3, the couple's income proof (including the business license of a copy of a copy of the official seal, and by the annual inspection);

4, the borrower to provide proof of qualifications (university or college);

5, such as the need for divorce, divorce certificates;

6, need widowed, such as providing proof of death of a spouse;

7, foreigners buying houses to provide temporary residence permits to be original.

Seller:

1, the couple's identity cards, in this account, the marriage certificate;

2, who agreed to sell a total of proof;

3, the seller's mortgage contract, the sale of real estate property certificate (the original mortgage has custody of the bank to provide complete copies of);

4, the seller of the original details of the repayment of bank loans;

Note: There are no property rights of the people to provide proof of appropriate materials; outsiders to provide temporary residence permits.


Notes:

1, the loan period: no more than ordinary housing for 30 years; an apartment, house no more than 10 years.

Note: The age of loans + ≤ 35 years of age (Note: no more than 25 years of age)

2, Age: lender of loans + years of age ≤ 65 years (not limited to men and women).

3, the credit line: General Residential (Cheng Baqu), Tongzhou county, Daxing, Changping no more than 70%; apartments, villas and no more than 60% (more than 5 years of age, such as credit lines are not more than 50%).

4, loan interest rates: according to the average residential rate in the same period the implementation of individual buyers.

5, for repayment on the repayment (principal and interest payments equal and matching the principal repayment of a law optional).

6, to sign all documents must use the black pen or a pen.