Nowadays, it is very difficult to purchase a house in full, the price of the house is not coming down, so many customers fully consider buying a second-hand house compared to some cost-effective, there is no sufficient assets to do? Generally people will go to financial institutions for mortgage loans loans, but the procedures are more inconvenient than the first-hand commercial and residential buildings. So, what are the steps for a second-hand mortgage loan?

居屋按揭成數

Second-hand mortgage loans need to meet the following requirements.

The real estate purchased should be in an excellent location, in a good community setting, and with good transferability.

The ownership of the purchased real estate must be detailed and clear, have applied for the housing title certificate, with the standard of entering into the circulation of commodities in the real estate industry.

When applying for a loan, the real estate offered for sale has not been included in the overall planning of urban renewal and relocation, and the seller of the house has reasonable and legal disposal of the real estate offered for sale.

Second-hand house sale to each other independently to the housing unit for the title transfer procedures and receive a new housing title certificate, must be registered in the property mortgage, before the loan can be dispatched, such as can not immediately for the record should be given by the real estate agency companies or financing guarantee companies and other stage guarantee.

In addition to this, it is also necessary to meet the other requirements of the financial institutions.

Three things to understand when applying for a mortgage loan for a second home.

At this stage, many buyers will also look at the second home, therefore, to the loan organization to apply for a second home mortgage loan situation is becoming more and more widespread, but the application for a second home mortgage loan to succeed in getting the loan is not so very easy, apply for a second home mortgage loan to understand the three things.

1, the second home loan APR than the first home loan APR high.

2, the second home for processing, the seller of all rights must all allow to sell. If one party does not agree, are not.

3, second-hand loans, not only for the borrower has certain regulations, the house is also regulated. If the building is very old houses, generally can not do the loan.

In addition, for second-hand mortgage loans, most lending organizations only hear the age of the building within 20 years of the real estate, therefore, the borrower in the loan, but also must be early and detailed information to master.

The following are common questions about applying for a second home mortgage loan.

1. the main purpose of the loan can be used to purchase a second home.

2. borrowers apply for the loan before the delivery of the required percentage of the purchase of money, and can give a reasonable legal and reasonable second-hand housing transaction documents, the borrower purchased the house seller must also be a general partner with full civil capacity, if the house has been transferred to the property rights then the date of transfer of property rights spacing between the application for the date not more than 90 days.

3. the purchased house should be pledged, and at the same time need to meet the financial institutions requirements of the second-hand mortgage loan related to the guarantee guarantee provisions.

4. the real estate purchased other common some people understand and allow the borrower to apply to financial institutions for loans, and there is no reason to allow the real estate completely pledged to financial institutions.

The final tip for everyone, in handling financial institutions second-hand mortgage must be careful to assess their own economic development affordability, to prevent the delivery of the down payment, the future of the mortgage heart is not enough, resulting in late loan default, then the adverse effects are very serious on a small loss.

Posted by: bufuze at 07:58 AM | No Comments | Add Comment
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