2. Advance preparation of loan application materials: The borrower and the mortgagor prepare the documents and valid certificates required for applying for loans as required.
3. Housing evaluation (or survey and evaluation): The relevant institutions conduct on-the-spot survey and evaluation of real estate (survey and evaluation).
4. Approving loans: submit all loan application materials together with analysis report or evaluation letter of intent to the bank for review.
5. Notarization of mortgage of loan house: After the borrower and the mortgagor fill in (loan agreement) and all policy documents, they will be notarized by a notary after signing and pressing their fingerprints.
6. Waiting for the next payment: Some banks can make the next payment in 20 days, but some banks have to wait 30 to 40 days. The specific time depends on the actual situation of financial institutions.
7. One-time repayment: the borrower sets up a repayment account, the bank lends money to the account, and the borrower repays the loan on a monthly basis.
Housing mortgage loan 1, the interest rate of pledge loan is much higher than that of housing loan, and the interest rate of housing mortgage loan is much higher than that of housing loan. Generally, the interest rate of housing mortgage loan is 30% higher than that of mortgage loan, far exceeding the interest rate of mortgage loan, and it will also cause many additional expenses, such as housing guarantee fee and mortgage registration fee. If you find an intermediary to handle bank loans, you still have to pay a lot of introduction fees, but buying a house mortgage loan is expensive.
2. Short loan term and short mortgage term. The mortgage loan of the house is a consumer loan, and the repayment date of the consumer loan is 10 year. Compared with the 30-year repayment date of housing loan, the work pressure is obvious. Therefore, if the economic situation is not enough to solve it, it is recommended not to choose this way.
3. Loans are risky, and mortgage loans are risky. Since buying a house is not a consumer loan, once it is found that the borrower uses the loan for trading, the financial institution has the right to stop lending or recover the loan in advance. If the circumstances are serious, the bank can characterize it as loan fraud, which will seriously affect the personal credit report and endanger the application for loans in the future. It can be said that buying a house with a mortgage loan is a method that you know you can't give it and there is no way to do it. Choosing this method is also risky, so you need to think twice.
How much is Changsha flexible social security for a month? In 20 19, the old-age insurance and social medical insurance for urban workers of Changsha city started from 20 19 1, and the average income of urban workers in our province in 20 18 was 4764 yuan/month as the payment benchmark. The basic old-age insurance for urban workers of freelancers is at least 57 1.8 yuan is a month, and the maximum is 2,858.4 yuan a month. The insured chooses the payment level independently between 60% and 300% of the basic payment value, and the payment ratio is 20%.
Where can Changsha apply for flexible employment social security? You can also apply at the Social Security Bureau (Human Resources and Social Security Bureau) of various districts and counties in Changsha. Now the flexible employees in Furong District of Changsha can apply for personal social security, and they can also apply in street communities. 2065438+August 2007 1 day, Furong District took the lead in implementing flexible employment social security in Changsha, and part of the responsibilities of the handlers sank to the street community. Residents in Furong District can bring their household registration book, identity documents and personal Changsha savings card (bank passbook).
You can go to the street community human resources and social security station to handle the following business processes: endowment insurance for urban flexible employees and medical insurance for urban employees (limited to household registration in Furong District); Business process of renewal of urban endowment insurance for flexible employees and medical insurance for urban employees (limited to Changsha regional household registration); New social security policy consultation. Now Furong District has announced the implementation of flexible employment social security, and the responsibility of some managers has sunk. The address of the social security agency for flexible employment in Furong District has been expanded from the original to 14.