University Town wants to mortgage a hardcover single apartment of about 40 square meters, do you hav

Do more consultations, find a formal agency, and recommend that you make a preliminary budget.

Personal Home Mortgage Loans:

1. Conditions

Applicant's qualifications: A natural person with full capacity for civil conduct, and who meets the following conditions:

1. Valid identity certificate;

2. Have a stable occupation and economic income, good credit and the ability to repay the principal and interest of the loan;

3. Have a contract or agreement for the purchase of housing;

4. Have made a down payment of 20% or more;

5. Other conditions stipulated by the lender.

Conditions of the mortgage loan:

1. The maximum amount of mortgage loan shall not exceed 80% of the total amount of commercial housing purchased**;

2. The maximum loan term shall not exceed 30 years;

3. The loan interest rate shall be subject to the statutory interest rate of the People's Bank of China.

II. Procedure

1. The commercial housing purchased by the buyer must be the commercial housing of a real estate development company that has signed a mortgage agreement with the bank;

2. Sign a purchase contract with a real estate development enterprise and pay off the down payment at 20% of the total purchase price;

3. Submit the application for housing mortgage loan to the bank and submit relevant information;

4. The bank shall investigate the borrower and the information provided, and notify the borrower to go through the loan procedures at the bank if the conditions are met;

5. Apply for insurance for the purchased house according to the loan term;

6. The borrower mortgages the purchased commercial house to the bank, and the real estate enterprise and the relevant departments handle the mortgage registration, and submits the "Housing Other Warrant" to the bank for safekeeping.

There are 35-60 square meters of hardcover apartments in Xinou Pengboya Bay.

It's not worth it! It's better to buy off-plan!

Then you go to 58 to see the second-hand house! Or search the room to see the new house.

Saifeng Apartment on Stone Road, Times Jinghua, Liberty Town on Ganjiang West Road, Fuda Building, Renwen Apartment on East Ring Road, Tongjing Square on Tongjing Road, Jinchuang Qiyuan on Zhuyuan Road in the New District, Shishan Fenghui on Shishan Road, Shishan Lishe, etc. They are all single apartments, and the area is not large.

You can borrow with the current policy, with a down payment of 30%, and the rest can be borrowed, but it is OK to ask your unit to issue an income certificate.

Property down payment ratio: The average price has dropped slightly at around 18,000, and the down payment is 30%. Now the down payment situation can be divided into:

1. In the case of the first house, the down payment for the purchase of a new house with an area of no more than 90 square meters can be at least 20%; 2. In the case of a second home, the minimum down payment for the purchase of a property is 60%; 3. In the case of three suites, the bank that needs the loan can refuse the loan according to the housing price; 4. In other cases, the minimum down payment is 30%.

It depends on how many square meters you buy, and the area where you are 1The lowest mortgage interest is a CPF loan.

2.For first-time home buyers, the down payment is more than 30%. A down payment of more than 40% for second-time home buyers.

3.The amount of monthly payment depends on how much money you borrow and how many years you have to pay.

A single apartment is residential in nature, with a minimum down payment of 20% and a CPF loan available.

It depends on which city and what location you are buying from?

It is recommended that the Amber Mansion in Yipin Bay. The small apartment is fully equipped and hardcover.

1. According to the inquiry, ** is about 150,000.

2. The following is the result of the query.

If you buy it, the minimum is 250,000 yuan, and it must be more than 350,000 yuan for Sunshine Waterfront and Yintai here.