What procedures do you need to buy a house in Yunxian County?

The conditions for applying for a mortgage loan are as follows:

1. Natural persons aged 18-65;

2. Have a valid ID card;

3. Good credit and no bad record;

4. Have a stable occupation and stable income;

5. The commercial housing sales contract or letter of intent for the purchased housing;

6. Have the ability to pay the down payment for the purchased house;

7. Open a personal settlement account in a bank and have an effective guarantee;

8. Other conditions stipulated by the bank.

Information to be prepared for applying for a mortgage loan:

1. The original and photocopy of the ID card of the borrower and the spouse;

2. The original and photocopy of the household registration book of the borrower's husband and wife;

3. Proof of marital status;

4. The original purchase agreement;

5. Original and photocopy of prepayment receipt of 30% or more of the room rate;

6. Proof of income;

7. Bank statement;

8. Academic certificate;

9. Bank deposit certificates;

10. Other proof of financial resources;

11. The developer's collection account number;

12. Other materials required by the bank.

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.

Hukou booklet, ID card, bank statement, income certificate, single certificate (don't want to be unmarried, if you get married, it will be shown in the hukou booklet)'

The big brother bought it in that position. How much does it cost?

Bank statement, company seal.

Citroen "vehicle installment payment is generally a mortgage loan to buy a car, and the procedures required are as follows:

1.Valid personal identity document, if the borrower is married, the identity certificate of the spouse must be provided;

2.Proof of intent to purchase the car (issued by a Citroen dealer);

3.Proof of household registration or long-term residence;

4.Proof of personal income, proof of other financial resources;

5.If the guarantee is made by means other than the mortgage of the purchased vehicle, the relevant materials of the guarantee shall be provided;

6.Proof of down payment for the purchase of the car;

Precautions for mortgage car loans:

1.Loan target: Persons aged between 18 and 60 (inclusive) with full capacity for civil conduct;

2.Loan amount: If the purchased vehicle is a self-use car, the loan amount shall not exceed 80% of the purchased car**;

3.Loan term: The purchased vehicle is a self-use vehicle, and the maximum loan term is not more than 5 years;

4.Loan interest rate: Implemented in accordance with the loan interest rate regulations of CCB;

5.Repayment method: The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

2.After signing the contract, Sakura Bank will investigate and approve the application materials submitted by the borrower, and the two parties will sign the loan contract and guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3.Loans: After all the formalities are completed, the bank will directly transfer the loan to the account of the car dealer by transfer as agreed in the contract;

4.The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract;

5.The loan is settled, and the repayment is normal until the loan is settled.

After the loan is settled, the borrower shall take back the legal voucher and relevant supporting documents taken by the bank with the valid identity document of Yuan Songzi and the loan settlement voucher issued by the bank, and go to the original mortgage registration department to go through the mortgage registration cancellation procedures with the loan settlement voucher.

Do you need to buy a house?

Not necessarily, the benevolent see the benevolent and the wise see the wise.

This mainly depends on whether I need it, and it also depends on whether my conditions allow me to buy a house.

If you really need it and everything is ready, you can buy a house.

Precautions: 1. Understand the developer's background and qualifications. It is very important to choose a developer with the strength of Zhaochang, and the regular developer has guaranteed the quality of the house, the signing of the contract, and the handling of property rights.

Second: the general environment and supporting facilities around the community. The development direction of municipal administration directly affects the appreciation of real estate.

Three: internal planning of the community.

1. Whether the location of the heating conversion station, garbage disposal room, garage entrance and exit, power distribution room and other locations have an impact on the selected house.

2. The deployment of the building, whether there is any reconstruction, the impact of building spacing and lighting.

Fourth, the investment industry mainly analyzes the proportion of the number of living rooms in and around the community, and the owner-occupier looks at his personal needs.

Fifth: other areas such as area error, floor height, net height, property rights processing time and other formal commercial housing pre-sale contracts have been clearly stipulated. To inspect the house, check whether the interior walls, floors, roofs, doors, windows, waterproof treatment, exterior walls, corridors, house area, and shared area are consistent with the contract.

What are the essential processes for buying a house in installments? In order to solve the risk of financial crisis for the family to buy a house with a lump sum full payment, there are installment payments; If the installment payment is literally divided into payment according to the deadline, but what procedures are required to buy a house in installments, and what are the functions of buying a house in installments? This article will take you to solve these problems and confusions mentioned above in detail.

1.Introduction to buying a house in installments.

Buying a house in installments does not require full payment, only a part of the money can be paid to obtain the right to use the house, and then move in, but the remaining part needs to be paid off within the specified number of years, and the advantage is that you do not have to worry about the financial difficulties brought by buying a house to the family.

Installment payment is applicable to the purchase of housing and **, is a settlement method for housing credit business, under normal circumstances, the buyer only needs to pay 30 -50 house price first, and the rest of the money is paid back in the remaining scheduled time; This method is beneficial for both parties, first of all, the seller does not have to worry about not being able to recover the money, because the contract has the mandatory effect of the law, and secondly, the buyer does not have to worry about not being able to pay the money, because it is paid in batches, which is much more convenient.

2.The role of buying a house in installments.

What are the functions of buying a house in installments? First of all, the payment in batches can expand the sales volume of commercial housing, so that some of the houses that have not been sold can be put into use as soon as possible, so that the money and materials can play a comprehensive benefit; secondly, it can promote the stable and harmonious development of the real estate transaction market and attract a large number of buyers; Thirdly, it can also ensure that low-income people can also be guaranteed housing; Finally, existing public housing can also be sold to residents in installments to recover a large amount of money.

3.How to make an instalment payment.

1. Choose a property;

2) Apply for installment payment.

3) Sign a contract for the purchase of a house.

4) Sign a contract for installment payment.

5) Mortgage registration and insurance.

6) Open an account that is only used for repayment.

4.Other considerations.

The payment method of installment payment should generally be agreed in the contract, according to the progress of project development and construction, the payment of the house will be paid in stages, and when the house is to be delivered for use, a part of the final payment will be paid. The advantage is that the buyer may use the housing payment to urge and restrict the developer to develop the construction project at the agreed time, and at the same time relieve the pressure of one-time payment.

Conclusion: Buying a house in installments has been supported by people from all walks of life in the real estate market, and has now become a common form, however, buying a house in installments, although you can give a lot less when you make the first payment, but the next agreed time is to be delivered regularly, and the money for installment payment is much more than the money for one-time payment.

Click to receive the red envelope for house viewing, and receive 100 yuan in cash directly.

There are several conditions that are required to buy a house with a loan:1With loan qualifications, generally the first and second homes can be loaned, and the bank prohibits loans for the third house.

2.There are down payment funds and a legally valid purchase contract. 3.

Good credit history. The credit poor loan is not approved, or the loan amount is low. 4.

If you have a stable income, your monthly bank statement must be more than 2 times the monthly repayment amount.

The procedures required to buy a house are as follows: single: ID card, household registration book, single certificate, bank statement, income certificate of 2 times the monthly repayment stamped with the official seal of the unit.

A copy of the copy of the business license of the unit shall be stamped with the official seal. Married: Household registration booklet, marriage certificate, ID card, and income certificate of 2 times the main lender with official seal.

A copy of the copy of the business license of the unit shall be stamped with the official seal. It is advisable to provide proof of bank statements. By the way, if you don't have enough proof of income, you can apply for a collateral lender.

It depends on whether you have a mortgage or an installment. A mortgage is to go to the bank to sign a loan contract. If you are going through the installment, you only need to sign a contract with the developer. Generally, a part of the contract is signed, a part of the house is capped, and the rest is handed over when the house is delivered.

However, whether you can take out a loan needs to be determined according to your personal qualifications, and the down payment for buying a car with a loan is at least 30% of the value of the car, and at the same time, due to the need for a loan to buy a car in the early stage, it is recommended to prepare a down payment of more than 40%. At the same time, the term of the loan to buy a car is generally three years, and the maximum cannot exceed five years. The interest rate for buying a car with a loan is generally above.

If you are a local or have a property in the area, you can go directly to the bank and apply for a loan. If you don't have a property in the area, it is recommended to go.

The application for a car loan is as follows: (1) the original ID card, household registration booklet or other valid residence permit, and provide a copy of it;

2) Proof of occupation and financial income;

3) The purchase agreement, contract or letter of intent signed with the dealer;

4) Other information required by banks or lending institutions.

What installments do you need? If it's a credit card, you don't need anything, just call the credit card customer service.

If you need a cash loan, you can also log in to CMB Mobile Banking and try to apply for it in My All My Loans My Flash Loan.

The maximum loan amount is 300,000 yuan, and the minimum loan amount is 1,000 yuan; Your specific quota will be approved according to your business situation in China Merchants Bank, and you can view it if your application is successful.

What is needed for Home Credit installment is some necessary procedures, if you really don't understand, you can call ** in advance to consult, to be honest, Home Credit installment is still very useful.

Apply first, provide the purchase and sale contract of the vehicle you want to buy, in which the down payment of the vehicle %30 must be paid by yourself, and then provide the ID card, and then all the materials in your name that can prove that you have money, such as work permit, real estate certificate, running water, insurance, **, financial management, fixed deposit... Wait, and then wait for the bank's approval, and after the approval comes down, you can go to the 4S store to book a car and pick up the car, and I won't talk about the later procedures if you don't ask.

At present, our credit card has car installment business, you can call our customer service for consultation and verification.