Many novice buyers are often confused when facing the purchase contract. They don't know what kind of purchase contract to look at, what matters to pay attention to when signing, and then they have to apply for loans. However, the real estate license often comes down after the delivery of the house. So, is the housing contract loan ok? Next, learn from Bian Xiao!
Is a housing contract loan ok?
If you buy a new house, you can get a loan if you have a contract. If you buy an auction house by mortgage, you can get a loan by contract. Second-hand housing should be registered with real estate license before transfer, and then you can go to the bank to apply for mortgage loan. Only contracts cannot be used for mortgage loans.
Can the house purchase contract be mortgaged?
1, under normal circumstances, if the house only has a purchase contract, you can't apply for a mortgage loan. If you want to apply for a mortgage loan, you must have a real estate license before you can apply for a mortgage loan. If you don't have a real estate license, you can't apply for a mortgage loan.
2. But since the house is a mortgaged house, you can apply for a second mortgage from the bank without a real estate license. However, to handle this kind of loan, it is required that the bank that handles the housing mortgage loan has this business, and at the same time, it is required that the applicant's housing mortgage loan has been repaid on time for more than two years, and the house can only be handled with a certain mortgage value.
3. If the individual wants to use the mortgaged house to find another bank or guarantee company to handle the secondary mortgage. It is required to apply to the bank for real estate license first, and then apply for mortgage housing in two times. Individuals can also find a local intermediary guarantee company to advance the mortgaged house, first redeem the house from the bank, and then use the house to apply for a real estate mortgage loan in the guarantee company.
Bian Xiao's conclusion: The above content is about whether the housing contract loan is ok. I hope I can help you. I believe that after the introduction of the content, can you mortgage the purchase contract? If you have more understanding, you can refer to the subsequent needs.
Can I borrow money from the house purchase contract?
You can't get a loan if you have a house purchase contract. You must have a house ownership certificate and a land certificate to get a loan. Lenders apply for loans in the bank on the basis of their husband and wife's identification, household registration book, house ownership certificate, land certificate, tax registration certificate, income certificate, bank's capital flow and house evaluation report. After the approval of the bank, they register with the housing management department, and then they can withdraw the loan from the bank.
The process of handling the second mortgage of the house is as follows:
With the consent of the bank, the buyer and the seller conduct real estate transactions and sign a purchase contract or letter of intent;
Apply for a loan from a bank and submit relevant materials;
After conducting a credit investigation and examination on the borrower, the bank shall inform the borrower of the examination results. If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a supplementary contract for housing mortgage loan with the seller, and the seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller;
The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller;
After obtaining the land and house property right certificate, the bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank;
The borrower repays the loan on schedule.
Conditions for mortgage of the house twice:
The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;
The house used for personal housing in the secondary mortgage must be an existing house;
The house is a first-hand house purchased by a bank mortgage loan;
The house has been registered as mortgage, and the bank is the mortgagee of the house;
The house has been insured, and the original policy is managed by the bank;
The house has excellent location, convenient transportation, complete facilities and great appreciation potential.
Two mortgage preparation materials of the house:
Original loan contract, mortgage contract and other documents signed with the lender;
Legally binding identity documents;
Proof of economic income recognized by the bank;
A real estate appraisal report issued by a housing appraisal institution recognized by the bank;
The repayment list of the original housing mortgage loan;
(ii) Certificate of mortgage use;
Other supporting documents or materials required by the bank.
Can I borrow money from the housing contract?
Housing contracts can be loaned to banks. Personal loan conditions: 1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland. 2. Pay the down payment (not less than 30% of the total purchase price). 3 have a stable economic income and the ability to repay the principal and interest of the loan. 4. Agree to use the purchased property as loan collateral. Article 490 of the Civil Code If the parties conclude a contract in the form of a contract, the contract is established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.