Can I get a mortgage on a second hand fa ade house in Jianhu?

Jianhu second-hand façade house, that is, storefront, refers to commercial real estate. Commercial real estate can also be loaned at a rate of 50% of the appraised value. If the appraisal price of the second-hand façade house you want to buy in Jianhu is 1.5 million, you can borrow 750,000 yuan.

The purchase process is the same as the normal process of buying a second-hand façade house in Jianhu: (1), sign a sales contract with the landlord, (2), find an appraisal company to evaluate the property, (3), go to the bank to deposit a down payment, and apply for a loan, (4) the bank approves the loan, (5) the approval is passed, the buyer and seller go to the exchange to transfer the real estate certificate, (6), the bank lends money to the seller.

Second-hand shops can be mortgaged, but because the shops are commercial in nature, the loan term can only be 10 years, and the loan amount can only be 5%.

The loan amount of the second-hand shop is 5% of the appraisal price, for example, the transaction price between you and the landlord is 1.2 million, but the bank evaluates it as 1 million, then your loan 5 achievements are based on the appraisal price of 1 million to loan, your down payment is 1.2 million minus 500,000 is equal to 700,000, this 700,000 is your down payment, and the information required for the loan is as follows:

ID card, household register, marriage certificate, income certificate (business license provided by legal person), bank statement, (married with the information of both husband and wife.)

You can't get a mortgage, you can get a mortgage.

Materials, procedures and procedures required for second-hand shop loans:

Apply for second-hand commercial mortgage loans, with a maximum term of 10 years, and the general loan amount does not exceed 50% of the appraised price, and the loan interest rate increases. Now that the state is shrinking its monetary base, the credit of banks has also shrunk correspondingly, and the requirements for loan customers have increased.

1. The property rights of the purchased second-hand commercial buildings should be clear, and the transfer transaction and formal mortgage registration should be handled.

2. The age of the second-hand commercial building purchased is generally not more than 20 years, and the age of the house plus credit The term of a single loan shall not exceed 30 years in principle.

3. The purchased property has strong liquidity, the real estate structure is intact, and the supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, and property management are complete. The surrounding business environment is relatively mature, and there should be no obvious defects in the use function.

4. In principle, units and individuals who have purchased real estate that have been idle for more than 6 months and have failed to use, transfer or lease the real estate for more than 6 months are not accepted as collateral; If the borrower meets the loan criteria of the bank customer and has a strong ability to liquidate the collateral, it may be accepted as appropriate.

What qualifications and procedures are required for a loan to buy a second-hand shop:

After reaching an intention with the seller to buy and sell the second-hand house, the consent of the mortgagee, i.e., the bank, should also be obtained because there is a mortgage on the second-hand house.

There are two ways to buy a mortgaged second-hand house: one is that the buyer makes a one-time payment, pays off the mortgage loan from the bank, terminates the original loan contract, and goes through the procedures for canceling the mortgage registration, so that there is no other right obstacle on the house, and then the owner of the second-hand house and the second-hand house buyer go through the property right transfer procedures.

1. The buyer and the seller sign the sales contract;

2. The buyer chooses to apply for a peer-to-peer mortgage or an inter-bank mortgage;

3. The buyer applies to the bank for mortgage transfer and submits relevant materials, and the bank reviews the mortgage transfer application;

4. The buyer and the seller jointly go through the loan repayment procedures with the original mortgage bank, and the seller and the original mortgage bank terminate the original mortgage loan agreement and go through the mortgage registration cancellation procedures;

5. The buyer and the seller go through the procedures for the transfer of ownership of the house;

6. The buyer goes to the housing authority to go through the mortgage registration procedures for the mortgagee to the mortgage bank.

Note: In addition to paying the deed tax, stamp duty, registration fee, transaction fee, etc. of the general second-hand housing transaction, the mortgage transfer commission, mortgage guarantee fee, appraisal fee, insurance premium, lawyer witness fee and other fees of the bank are also involved in the process of "re-mortgage".

Second-hand housing loan process:

The lender needs to first determine whether the purchase of the house is supported by the bank and whether the mortgage purchase business can be operated (the real estate agent or the homeowner can confirm or go directly to the bank to confirm);

After confirming that the house can apply for a mortgage loan, the buyer should go to the lending bank to fill in the "Housing Mortgage Application Form" and prepare the materials for application;

Buyers (lenders) need to prepare the following documents:

ID cards of both husband and wife, household registration book (temporary residence permit and household registration book for foreigners), and 2 copies of marital status certificates;

Proof of employment, proof of income (in the form specified by the bank);

Proof of address (certificate issued by the neighborhood committee or invoice for water and electricity payment in the past 3 months);

Credit certificates: including academic certificates, other real estate, bank statements, large-amount certificates of deposit, etc. (to improve bank trust and better obtain loans);

Note: If the borrower is an enterprise legal person, it must also provide the business license, tax registration certificate, organization certificate, articles of association and financial statements that have passed the annual inspection.

The seller of the house should provide the materials:

ID card, household registration booklet, marriage certificate of both husband and wife;

Title Deed. After receiving the lender's application, the lender will arrange for the examiner to review the lender, and the lender needs to contact the lender's partner, the appraisal agency, which will evaluate the appraised value of the house;

After the lender passes the review of the lending institution, the lending institution contacts the lender to sign the relevant agreement and go through the relevant procedures;

The lending institution transfers the money to the account specified in the contract according to the provisions of the loan contract, and the lender begins to fulfill the loan repayment obligation.

The basic process of a mortgage loan is as follows:

On-site inspection: loan officers, intermediary agencies, appraisers, buyers and sellers go to the site of the house applying for a mortgage loan to inspect the house;

Verification of property rights; The property owner and the co-owner (seller) bring the original ID card and the original real estate certificate to the housing authority to submit the original ID card and the original house book for verification, and go through the relevant procedures;

Sign the contract: the bank carefully checks and verifies the original information of the customer, identifies the authenticity of all the signatories, supervises the customer's signature, collects the original real estate certificate and the deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

Payment obligation: After the bank collects the fee and passes the pre-approval, the customer will be notified to pay the fee;

Bank loans.

Mortgage borrowers must meet the following criteria:

1.have a legal identity;

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

3.There are legal and valid contracts and agreements for the purchase and overhaul of the house, as well as other supporting documents required by the lending bank;

4.Self-financing of more than 20% of the total price of the purchased (overhauled) housing, and guaranteed to be used to pay the down payment of the purchased (overhauled) housing;

5.There are assets approved by the lending bank as collateral or pledge, or (and) a legal person, other economic organization or natural person with sufficient solvency as a guarantor;

6.Other conditions stipulated by the lender.

The basic process of a mortgage loan is as follows:

1.On-site inspection: loan officers, intermediary agencies, appraisers, buyers and sellers go to the site of the house applying for a mortgage loan to inspect the house;

2.Verification of property rights; The property owner and the co-owner (seller) bring the original ID card and the original real estate certificate to the housing authority to submit the original ID card and the original house book for verification, and go through the relevant procedures;

3.Sign the contract: the bank carefully checks and verifies the original information of the customer, identifies the authenticity of all the signatories, supervises the customer's signature, collects the original real estate certificate and the deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

5.Payment obligation: After the bank collects the fee and passes the pre-approval, the customer will be notified to pay the fee;

7.Bank loans.

In some cities, China Merchants Bank can handle commercial housing loans, and it is recommended to consult the loan manager of the local branch for specific requirements.

Please call the customer service of China Merchants Bank and select 3 personal customer service - 3-8 to enter the city where the manual service is provided to inquire about the loan manager**.

Second-hand housing mortgage loan to buy a house According to the two situations of commercial loan and provident fund loan, the down payment ratio is as follows:

1. The 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%.

2. 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.

Conditions for applying for a loan business:

natural persons between the ages of 18 and 65;

The actual age of the borrower plus the loan application period should not exceed 70 years old;

Have a stable occupation, stable income, and the ability to repay the principal and interest of the loan on time;

Good credit investigation, no bad record, and the purpose of the loan is legitimate;

Other conditions imposed by the Bank.

If there is a China Merchants Bank in the city, you can try to apply for a loan through China Merchants Bank, please call 95555 from 8:30 to 18:00 and select 3 personal customer service - 3-3-8 to enter the manual service to provide detailed information about the purpose of the loan and the city.

Whether the loan application is approved or not is subject to the comprehensive review result of the personal loan department of the handling bank.

Developers can apply for mortgages if they have cooperation with banks.

The process of applying for a mortgage loan:

1. Choose a property;

2. Confirm whether the property built by the developer has received the support of the bank to ensure the smooth acquisition of the mortgage loan;

3. Apply for mortgage loans;

4. Sign the purchase contract. After the review confirms that the buyer meets the conditions of the mortgage loan, the buyer will be issued a notice of consent to the loan or a letter of commitment for the mortgage loan;

5. Buyers can sign the "Commercial Housing Pre-sale and Sales Contract" with the developer or its first businessman;

6. Sign the mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan;

7. Handle mortgage registration and insurance. Under normal circumstances, due to the relatively long term of the mortgage loan, the bank requires the buyer to apply for life and property insurance in order to prevent loan risks;

8. Open a special repayment account;

9. After going through the relevant procedures, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the buyer;

10. The borrower shall repay the loan regularly according to the provisions of the contract.