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Have a loan, can I borrow a second suite now?
Have a loan, can I borrow a second suite now?
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Can apply againLoan to buy a houseWill implement the second suite policy. Second home loan fee 1. Down payment According to the bank's regulations, if the borrower applies for a second home loan, it must pay a down payment of not less than 60% of the purchased house price.Second home loan down paymentThe ratio is not less than 70%. 2, interest second home loan interest is based on the borrower'sLoan amountLoan term,Lending ratesAnd the method of repayment is calculated. Among them, the level of loan interest rate directly affects the amount of interest on mortgage loans). 3. The mortgage registration fee for the application for the second home loan must agree to the mortgage of the house purchased under the name. When the mortgage registration procedure is completed, the borrower needs to pay a certain amount of the mortgage registration fee. 4. When the notary fee is paid for the second home loan, a notary fee will also be charged. When applying for a bank loan, the bank will entrust a notary department to qualify the borrower, and the borrower will pay a notary fee.
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There is a suite under the name to continueBuying a house loanConditions for the purchase of a mortgage: (1) Conditions required by the borrower 1. Natural persons aged between 18 and 60 (Hong Kong, Macao, Taiwan and foreigners may also); 2. Ability to stabilize the occupation, stabilize income, and repay the principal and interest of the loan on schedule; 3. The actual age of the borrower plus the loan application period should not exceed 70 years. (2) Information to be provided: 1. The identity card of the applicant and the spouse, the original of the account and 3 copies (if the applicant and the spouse do not belong to the same account, a separate marriage certificate is required); 2. The original purchase agreement 3, the original and a copy of the prepayment receipt of 20% or more of the house price; 4, the applicant's familyProof of incomeMaterials and related asset certificates, including payroll,Personal Income TaxTax returns, income certificates issued by the unit, bank deposit receipts, etc.; 5, the developer's collection account number.
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