The specific steps to buy a 2 hand house go through the procedures How to calculate the interest

1. Inventory of facilities and equipment.

Since second-hand houses are generally renovated and used at home, and the decoration and some equipment are usually given away, therefore, when signing the real estate sales contract, the brand, fineness and normal use of the facilities and equipment should be clearly written, and the inventory should be carried out in accordance with the contract when handing over the house. These facilities and equipment generally include: air conditioners, range hoods, water heaters, lamps, and the number and brand are indicated respectively.

2. Inventory and transfer of water, electricity and coal.

The two parties went to the water company, the electricity company, and the gas company to go through the transfer procedures, and asked the staff if there were any other arrears, and if so, they asked to go to the house to make up the payment. Then, the two parties will settle the settlement according to the unit price according to the number stated on the last instalment payment slip and the difference on the house meter. In particular, it should be noted that when going through the transfer procedures, you must ask the staff about the arrears of the previous home, which may be the arrears and late fees of the previous family (the late fees are generally calculated at 3/1000 per day, which is quite high cumulatively).

3. Broadband transfer.

Fourth, the cable ** transfer.

If the owner holds the account opening card, both parties go to the payment office to go through the name change procedures, and they also have to settle the arrears.

5. Maintenance ** transfer.

Generally, the upper family will give away the maintenance **, and you can go through the name change procedures at the property management company.

6. Settlement of property service fees.

The next family accompanies the upper family to the property management company to go through the property name change procedures when paying, generally from the previous home to the month of delivery, and the next month of delivery begins to be paid by the next family.

7. Hukou migration.

Both parties can go to the police station where the house is located to inquire about the household registration in the house. If there is still a household registration, the next family can pursue the responsibility of the previous family according to the agreement of the sales contract.

8. Count the keys.

The keys handed over to the next house include: room keys, unit door keys, security door keys, mailbox keys, etc., and the next home should be kept separately.

9. Settle the final payment.

After the above eight items are transferred and settled, the balance of the balance agreed in the sales contract will be the actual payment payable by the next family after deducting the expenses paid by the next family on behalf of the previous family. After receiving the payment, a receipt should be issued and the words "all the payment has been settled" should be issued.

10. Sign the "Housing Handover Letter".

The "Housing Handover Letter" should fix the content of the above nine aspects in the form of words, in duplicate, and each party should hold one copy. The legal consequence of signing the house handover letter is that the upper family will deliver the house that meets the agreement in the sales contract to the next house, and the time point of handover is also the time point when the house handover letter is signed. If they do not sign, the parties may have disputes over when the delivery time is considered in the future, which will affect the liability of both parties for breach of contract.

If it is signed before the above nine procedures are completed, it means that the next house has not been accepted and the house has been recognized as in accordance with the contract. Therefore, signing the house handover letter is the last procedure of the handover procedure, and it cannot be signed first and then accepted. If it is found that some aspects do not conform to the contract during the acceptance of the house, it should also be noted in the house handover letter to lay the foundation for pursuing the responsibility of the previous family.

There are two ways to calculate interest on a home loan:

1. Equal principal and interest calculation formula: Loan principal monthly interest rate (1 + monthly interest rate) Number of repayment months 1 + monthly interest rate) Number of repayment months -1.

2. The formula for calculating equal principal: monthly repayment amount = (loan principal number of repayment months) + (principal - cumulative amount of repaid principal) monthly interest rate, where the symbol indicates the multiplier.

For example, assuming that 10,000 yuan is the principal, the bank loan is 10 years, and the benchmark interest rate is, compare the difference between the two ways of borrowing Li Mu Piao:

1. Equal principal and interest repayment method: monthly interest rate = annual interest rate 12=; Monthly repayment of principal and interest = 10,000 yuan; total repayment of RMB; The total interest is 10,000 yuan.

2. Equal principal repayment method: monthly repayment amount = (loan principal number of repayment months) + (principal - cumulative amount of principal repayment has been returned) monthly interest rate = (10000 120) + (10000 - cumulative amount of repaid principal); The first month's repayment is decreasing every month; total repayment of RMB; Interest yuan.

The interest on the second-hand housing loan can be calculated using the equal principal repayment method or the equal principal and interest repayment method. The specific calculation formula is as follows:

1. Equal principal and interest:

Monthly repayment principal Monthly interest rate (1 month interest rate) n (1 month interest rate) n 1 ;

Monthly Interest Rate Annual Interest Rate 12;

Total Interest Monthly Repayment Number of Months Loan Principal Amount.

2. Equal principal:

Monthly Repayment Principal n Remaining Principal Monthly Interest Rate;

Total Interest Principal Monthly Interest Rate (Number of Months Loan 2 0 5).

1. What are the fees for second-hand housing loans?

1. Guarantee fee (charged by the guarantee company cooperating with the bank): 5% of the loan amount

2. Appraisal fee (charged by the appraisal company that cooperates with the bank to make an appraisal report on the loaned house): 5/1000 of the appraisal price.

3. Other fees (loan mortgage registration fee, charged by the Real Estate Bureau): 2/1000 of the loan amount of the brother's filial piety.

2. What are the basic materials required for second-hand housing loans?

1. The original and photocopy of the ID card of the buyer's husband and wife;

2. The original contract of sale and purchase of second-hand housing or the letter of intent to purchase the house;

3. Original and photocopy of down payment voucher;

4. Proof of marital status: original and photocopy of marriage certificate, divorce certificate, unmarried certificate;

5. Original and photocopy of household registration booklet;

6. Original credit certificate (standard format provided by the bank).

According to the actual income of the borrower, the staff may request the borrower to provide the original and photocopy of the relevant supporting materials. If the borrower is self-employed, a copy of the business license and the tax payment certificate of Xiandan for the past three months, the house ownership certificate or lease contract of the business premises need to be provided; If the borrower is the legal representative, person in charge or shareholder of the enterprise, it is required to present a copy of the business license, the articles of association of the enterprise, a recent balance sheet and tax payment certificates, etc.; If the borrower indicates that he or she has income other than salary, he or she should also submit relevant supporting materials.

In the case of interest income, the borrower should provide the bank with proof of prudent receipts, treasury bills, etc.; If the borrower has other income from the rental of the house, the borrower shall provide the bank with the house ownership certificate or lease contract; If there is investment income, it is also necessary to provide proof of investment, dividend resolution of the investee and payment voucher.

7. Other materials required by the bank.

The loan interest rate is unified by the state, and the annual interest rate of commercial loans for more than 5 years is 4 9, if it is the first set of preferential interest rate reductions of 10 15; The interest on a CPF loan over five years is 3 25.

The mortgage loan process for second-hand housing.

At present, since the bank does not accept personal second-hand mortgage loans, you must appoint an intermediary.

The bank is in accordance with the letter of the world's disclosure procedures:

1. Sign a mortgage loan contract with the bank;

2. The bank and the housing appraisal company inspect the house on the spot, the bank checks the seller's ID card and real estate certificate, and the appraisal company then issues an appraisal report;

3. The borrower will make the down payment into the designated account of the bank, which will be transferred to the seller by the intermediary company, and the borrower and the bank will sign the loan contract and the bank will approve it;

4. Go to the transaction management center to go through the transfer procedures.

5. Obtain a new real estate certificate;

6. Handle notarization and mortgage registration procedures;

7. Collect the certificate of other rights and return it to the bank;

8. The bank will transfer the balance into the designated account, and the real estate agency company will transfer it to the seller.

9. The borrower (buyer) goes to the bank to collect the relevant information and starts to repay the loan on a monthly basis.

1. How to apply for mortgage loans for second-hand houses.

At present, since the bank does not accept personal second-hand housing mortgage loans, you must entrust a slippery intermediary to handle the mortgage procedures

1. Sign a mortgage loan agreement;

2. The bank and the housing appraisal company inspect the house on the spot, the bank checks the seller's ID card and real estate certificate, and the appraisal company then issues an appraisal report;

3. The borrower will make the down payment into the designated account of the bank, which will be transferred to the seller by the company, and the borrower and the bank will sign the loan contract and the bank will approve it;

4. Go through the transfer procedures at the transaction management.

5. Obtain a new real estate certificate;

6. Handle notarization and mortgage registration procedures;

7. Collect the certificate of other rights and return it to the bank;

8. The bank will deposit the balance into the designated account and transfer it to the seller by the company.

9. The borrower (buyer) goes to the bank to collect the relevant information and starts to repay the loan on a monthly basis.

2. What are the repayment methods?

1) Equal principal and interest: The principal and interest of the loan will be repaid in equal amounts every month during the term of the loan.

2) Equal principal: The principal of the monthly repayment during the term of the loan remains unchanged, and the interest is calculated based on the remaining principal of the previous month.

3) Equal principal and interest in stages: The loan interest will be repaid monthly during the grace period (up to 3 years), and the repayment will be made according to the equal principal and interest after the grace period.

Repay the principal and interest of the loan.

4) Equal principal in stages: The loan interest will be repaid monthly during the grace period (up to 3 years), and the loan principal and interest will be repaid according to the equal principal repayment method after the grace period.

5) Lump sum repayment of principal and interest: One-time repayment of loan principal and interest at maturity (limited to loans with a tenor of one year or less).

Business loan interest rates fluctuate.

Provident fund loans float.

Specifically, go directly to the relevant lending bank

Loans within 6 months (including 6 months) Loans from 6 months to 1 year (including 1 year) Loans from 1 to 3 years (including 3 years) Loans from 3 to 5 years (including 5 years) Loans for more than 5 years hope to help you.

How much is the monthly repayment of 180,000 installments for 30 years for second-hand housing?

Precautions for second-hand housing:

Clear property rights: whether the owner and seller on the title deed are the same; Find out the nature of the property being sold; Whether the area confirmed on the second-hand real estate certificate is consistent with the actual area; Verify the legitimacy and authenticity of the title certificate.

Integrity of property rights: To confirm the integrity of property rights is to determine whether the property is mortgaged, including private mortgages? co-owners, etc. In order to avoid unnecessary disputes and disputes after the transfer.

Housing quality: Observe the structure, construction and decoration materials of the house. See if the internal and external structures of the house have been altered; whether there is a private part; whether it occupies a corridor or balcony, etc.; It involves the question of how to calculate the area of the balcony.

Living space: observe whether the internal structure of the house is reasonable; whether it is habitable; the size of the activity space, etc.

Decoration configuration: second-hand housing depends on the level and degree of decoration of the original house; Confirm whether the power supply facilities, gas supply pipes, water pipes, etc. of the house are aging; **Whether the installation of cable and broadband is complete, etc.

Property management: understand the water, electricity, coal, heating and payment methods in the area, whether it is collected on behalf of the door or paid by yourself; Observe whether the elevator can be used normally; Understand the basic situation of the parking lot and community greening in the area; What is the level of local security, and whether the security guards are responsible, etc.

History of the house: know what year the house was built and how long the land use period will last; who has lived there and what is it used for; There is also the local credit status of the original household; Whether there is any outstanding payment of property fees, utility bills, etc.

Neighborhood situation: Neighborhood relationship is an important factor affecting the comfort of living. Before buying a house, you should visit your neighbors to find out how they live here. Chat with the staff on duty at the neighborhood committee and the communication room to understand the situation.

House value: Judge the value of the house by repeatedly comparing the amplifiers on the market; Entrust a trustworthy intermediary company to conduct a value assessment; When the bank provides a mortgage, it will make a value assessment, which can be regarded as the minimum value of the house.

Transfer of property rights: You need to find a unit that both parties can trust, such as a reputable guarantee company, and then transfer the house payment to the seller's account after the transfer is completed.

Second-hand housing mortgage loan for house purchase is based on commercial loan and provident fund loan, and the calculation standard of the loan is as follows:

a) Buyer's commercial loan to buy a house:

1. The buyer chooses a commercial loan to purchase the first house, and the minimum down payment ratio is 30% of the appraised price of the house, and the maximum loan ratio is 70%;

2. If the buyer chooses a commercial loan to purchase more than two houses, the minimum down payment ratio is 50% of the appraised price of the house, and the maximum loan ratio is 50%;

3. The buyer chooses a commercial loan to purchase a commercial house, and the minimum down payment ratio is 50% of the appraised price of the house, and the maximum loan ratio is 50%;

b) Buyer's provident fund loan to buy a house:

1. The buyer chooses a provident fund loan to purchase the first house, and the minimum down payment ratio is 20% of the appraised price of the house, and the maximum loan ratio is 80%;

2. The buyer chooses a provident fund loan to purchase a second house, and the minimum down payment ratio is 40% of the appraised price of the house, and the maximum loan ratio is 60%;

3. The buyer is not eligible for a provident fund loan for the purchase of three or more residential units and the purchase of commercial property.

1. Interest calculation.

1. Daily interest rate (0 000) = annual interest rate (%)360 = monthly interest rate ( )30

2. Monthly interest rate ( ) = annual interest rate (%)12

3. The accumulation interest method is based on the actual number of days of the daily accumulated account balance, and the accumulated accumulation is multiplied by the daily interest rate to calculate the interest

Interest = Cumulative Interest-bearing Accumulation Daily interest rate, where Cumulative Interest-bearing Accumulation = Total Daily Balance.

4. The interest-bearing method is calculated on a case-by-case basis according to the predetermined interest-bearing formula interest = principal interest rate The interest is calculated on a case-by-case basis during the loan term, specifically:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

Interest = Principal Year (month) number Year (month) interest rate.

If the interest-bearing period has a whole year (month) and a fractional number of days, the interest-bearing formula is:

Interest = Principal Year (month) number Year (month) interest rate + principal Fractional days Daily interest rate.

At the same time, the bank can choose to convert the interest-bearing period into the actual number of days to calculate the interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the month, and the interest calculation formula is:

Interest = Principal Actual Days Daily Interest Rate.

2. Provident fund loan interest rate.

According to the Notice of the People's Bank of China on Raising the Benchmark Interest Rate of RMB Deposits and Loans of Financial Institutions (Yin Fa [2011] No. 169), the relevant matters concerning the adjustment of the interest rate of housing provident fund deposits and loans are hereby notified as follows:

1. From July 7, 2011, the interest rate of personal housing provident fund deposits carried over from the previous year will be increased by one percentage point, from the increase to; The interest rate on the personal housing provident fund deposits collected in the current year remains unchanged.

2. From July 7, 2011, the interest rate of personal housing provident fund loans will be raised. The interest rate of personal housing provident fund loans with a term of more than five years will be raised by one percentage point, from the increase to; The interest rate of personal housing provident fund loans with a term of less than five years (including five years) will be increased by one percentage point, from the increase to.

3. From July 7, 2011, the pilot work of using housing provident fund loans to support the construction of affordable housing in cities will be subject to a 10% increase in the interest rate of personal housing provident fund loans with a term of more than five years.

3. Bank loan interest rates.

1. Short-term loans.

Up to and including 6 months: annual interest rate.

6 months to 1 year inclusive: annual interest rate.

2. Medium and long-term loans.

1 to 3 years inclusive: annual interest rate.

3 to 5 years inclusive: annual interest rate.

More than 5 years: annual interest rate.