Nowadays, the average working class wants to buy a new house. It is too difficult. In the face of this long-lost house price, you can only choose to buy a second-hand house, but after buying the second-hand house, the money on hand is not enough. What should I do at this time? Don't worry, you can go to the bank to apply for a second-hand housing renovation loan , so that the house can be renovated. Let's take a look at the second-hand house renovation loan process and precautions along with the decoration home network Xiaobian.
Second-hand housing renovation loan process
1. Unsecured loans
If the interior is simply a design, it is a good idea to apply for an unsecured loan.
1. The loan amount is usually based on the borrower's monthly income of about 10 times, with a maximum of 500,000.
2. The process is simple.
3. No collateral is required, and everything is spoken with good personal qualifications.
4. Work certificate, income certificate, residence certificate and ID card.
5, the annual interest rate range is about 7% -25%, the price difference can not be said to be no disparity, should also follow the three-pronged strategy.
Second, the housing mortgage loan
Fine decoration application for mortgage is a good choice. The decoration loan process mainly includes the limitation of quota and the review of qualification.
1. The loan amount is naturally not to be worried, and the highest is 70% of the value of the mortgaged house.
2. The threshold for the review of personal qualifications will also decrease with the collateral. (In the bank's view, as long as there is good credit and stable work, the loan pass can be basically sent out. Instead of the banking financial institution, the style of the intimate people is fully interpreted, as long as it can provide houses with liquidity. You can open the door to your loan and meet your funding needs.)
Second-hand housing renovation loan considerations
1. Basic information on housing to understand
Before deciding to buy a house, the basic information of the house should be very familiar. During this period, it is necessary to communicate with the property owner. In addition to examining the quality of the house, the property rights, the house title certificate, the identity card of the property owner, etc. understand.
2, the contract terms look carefully
When signing the contract, pay attention to the contents filled in the blank space. In addition, the additional clauses must be carefully read, and other terms of the parties are filled in the additional clauses in the contract. The signing of the contract requires repeated consideration, especially with caution.
3, payment method agreed in advance
In order to ensure the safe and smooth conduct of the transaction, it is recommended that both parties to the transaction reach an agreement in advance on the payment method. Payment of the house payment before the completion of the transfer may cause economic disputes, but the payment of the house payment after the transfer may make the seller unacceptable, and it is safer and more convenient to handle the fund custody.
4. Property transfer
When the transaction is confirmed, the seller's double certificate is complete. The sales contract must be signed by the co-owner of the title certificate to take effect. It should be prevented from signing or missing. Select a higher-prestige person or a formal real estate intermediary as the funds of the two parties and the delivery of the house. The party can ensure the smooth transfer after paying the money, or the transfer of the house and the money.
The above content is the introduction of the process and precautions of the second-hand house decoration loan brought to you by this small series, for your reference. I believe that after reading this article, we will have a certain understanding of the second-hand housing renovation loan, hoping to Give some help to friends who are working on second-hand housing renovation. For more exciting home improvement content, please continue to pay attention to the decoration home network.
More related wonderful reading:
Is it a good application for a public housing renovation loan? how to apply?
Is the decoration loan cost-effective? Which way is the decoration loan good?
How to apply for a renovation loan? Renovation loan application process
How to make a loan for renovation? Decoration loan knowledge guide
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