Mortgage loans to buy a house is now a lot of young people preferred to buy a house, in the current high prices, mortgage has become a quick way for young people to buy a house, but what is a mortgage loan? How to handle the mortgage purchase process? How much is the mortgage down payment? There may still be many people who do not know. Then, let's take a look at the new house down payment for your new home !

How much is your new home down payment?

One-Supply Down Payment Calculation Formula: Down Payment = Total Payment - Customer Loan Amount

Loan Amount = Contract Price (Market Price) × 80% (Up to 80% of Initial Loan Limit)

The down payment ratio of a suite is not fixed, and the proportion of down payment for one suite is also different. According to the existing first suite implementation standard, the down payment ratio for new commercial loans is 30%, and the down payment ratio for the provident fund loan is 90m2 (including) or less for the first suite. The loan down payment shall not be less than 20%, and the proportion of down payment for housing accumulation fund loans above 90m2 shall not be less than 30%.

Mortgage buy house down payment house price is a minimum of 20-30%, and then with proof of income until the bank applies for a mortgage loan, personal housing loan need to provide information: Borrower in the application for personal housing loans, you should first fill in the "personal housing loan application approval form", At the same time provide the following information:

1, borrower information

(1) The borrower’s legal identity document;

(2) The borrower's economic income certificate or occupation certificate;

(3) A spouse's borrower is required to provide a certificate of spousal relationship, while a single person is not required;

(4) Where there is a common borrower, it shall provide the written commitment of clear and common repayment obligations signed by the borrower parties;

(5) If you have a guarantor, you must provide the relevant information of the guarantor.

2. Purchased housing information

(1) The “Agreement on the Purchase of Commodity Houses” signed by the borrower and the developer or the “Contract for Commodity House Sales (Pre-sale)”;

(2) A copy of the bank deposit receipt for the first payment and the receipt of the first payment issued by the developer;

(3) Other documents or information requested by the lender. Processing mortgage registration procedures for individual housing loans:

After the approval of the loan, the purchaser shall sign a loan contract and mortgage contract with the loan bank, and go through the mortgage registration formalities with the following materials to the real estate management department under the jurisdiction of the house property right:

(1) The original and duplicate copies of the identity card and the marriage certificate of the purchaser and the spouse;

(2) One loan contract and one mortgage contract;

(3) Real estate mortgage application audit registration form;

(4) All purchase contracts;

(5) Other information required by the real estate department. The time for registration of mortgages by the real estate management department is generally 15 working days. After the mortgage registration process is completed, the mortgagor shall hand over the “off-the-house mortgage certificate” or “house ownership certificate” issued by the real estate management department to the loan bank for custody.

The above is the introduction of the content of the new house down payment, I hope to help you. For more information on new homes, please continue to pay attention to information on this site.

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