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首页 银行贷款买房注意事项(Bank loans to buy a house notes)

银行贷款买房注意事项(Bank loans to buy a house notes).doc

银行贷款买房注意事项(Bank loans to buy a …

Elvin慎迎
2018-09-06 0人阅读 举报 0 0 0 暂无简介

简介:本文档为《银行贷款买房注意事项(Bank loans to buy a house notes)doc》,可适用于社会民生领域

银行贷款买房注意事项(Bankloanstobuyahousenotes)银行贷款买房注意事项(Bankloanstobuyahousenotes)BankloanstobuyahousenotesManypeoplearenowusingtheloantobuyahouse,however,theloanisnotasmallmatterafterall,weshouldtakefullaccountofZhouQuancaiExpertspointedoutthatthepurchaseofloanstobuyahouseshouldpayattentiontodo"sixdonot"":Bankloanstobuyahouse,payattentionto,beforeapplyingforloans,donotusetheprovidentfundIftheborrowerintheloanfromtheprovidentfundforthepaymentofthebalancebeforethestoragelimit,thenyourprovidentfundaccountbalanceiszero,sothatyourprovidentfundloanamountiszero,whichmeansthatyouwillapplyforloanstothefundBankloanstobuyahousetopayattentiontotwo,inthefirstyearofborrowing,donotadvancerepaymentInaccordancewiththerelevantprovisionsoftheprovidentfundloans,partoftheearlyrepaymentshouldbemadeaftertheloanforoneyear,andyoushouldreturntheamountofmorethanmonthsofrepaymentBankloans,payattentiontothree,owingontheloanhavedifficulties,donotforgettofindthebanksaroundWhenyoufallintheborrowingperiodsolvency,owingontheloandifficulties,ortheirteethICBCcustomersmayapplytotheICBCforextendingthetermoftheloanThebankwillacceptyourextensionoftheloantermafterthebankhasinvestigatedthecaseandhasnotdefaultedontheprincipalandinterestoftheloanBankloanstobuyfourpayattentiontotherentalhousingaftertheloan,donotforgettoinformobligationsWhenyourentahousethathasbeenmortgagedduringtheloan,youmustnotifythelesseeinwritingofthemortgagedfactBankloanstobuyahousetopayattentiontofive,aftertheloanpaidoff,donotforgettocancelthemortgageWhenyouhavepaidoffalltheprincipalandinterestoftheloan,youcanholdthebank'sloantosettlethecertificateandotherrealestaterightsofthemortgagedproperty,andgototherealestatetradingcenterofthepropertyareaandcountytocancelthemortgageSix,donotpayattentiontobankloanstobuyahouseloancontractandIOUslostToapplyformortgageloans,thebanksignedaloancontractwithyouandiousareimportantlegaldocumentsSinceyears,thelongestperiodoftheloantotheborroweras,youshallkeepyourcontractandiousMattersneedingattentioninhandlingthepurchaseloanPurchaseshouldnotbecareless,remembertenmajornotesForexample:thedeveloperhadtocatchtheholidaysalestime,didnotgetonthesaleofcommercialhousingpresalepermit,theownersrequiredtoproducepresalepermit,developerstookearlyunitsofthepresalepermittomuddlethroughSuggestion:checkdeveloperspublicitypresalepermitisconsistentwiththesaleoftheunitifthedevelopersdidnotinthesalesdepartmentpublicitypresalepermit,thebuyerhastherighttorequiredeveloperstoproduceifdeveloperswithsomeexcusetoproduce,consumerscanaccesstothelandandHousingAuthorityrealestateisalreadyapresalepermitInordertoreducetheriskofpurchase,buyershadbetterobtainpresalepermitsinthepurchase,payattentiontothe"handsandfeet"inthemodelroom"Forexample:inordertostimulateconsumerdesiretopurchase,developersoftendoalotofarticlesinthemodel,suchaschangeinterval,glassorsomethinbrightmetalmaterialanddecoration,inanarrowsenseofhidedarkroomorspacedointhemodelofthehousingmarket,enlargetheareaofaroomthebuildinganddecorationstandardwithabrand,butthematerial,highgradematerial,andtheactualbuildingdecorationmaterialsareshoddySuggestions:askthedevelopertoindicatethedecorationmaterialsbrandsandtypesintheannextothecontractandspecific,withthebestdevelopersagreed,howlongmustberetainedwithinrepossessionmodel,topreventtheoccurrenceofdisputesinthedecorationontheissuebutcannotfindevidenceOntheother,ifthedeveloperintheannextothecontract"canreplacethesametextureofmaterialsandothersimilartermstothefloor,buyersmuststrivehardfordeveloperstocancelthisclause,orspentaconsiderablepriceonlytobuyinferiordecorationofthehouse,payattentiontotherateofeffectonhousingpricesExample:therelationshipbetweenutilityratesandhousingpricesisverycloseSuchas,aandBspentthousandyuantobuyasetofsquaremetersofhouse,theutilityratewas,,seeminglyequivalenttothesizeofthehouse,Theactualuseofanareaoflessthansquaremetres,andtheactualpricepersquaremetrethanByuanSuggestion:don'taskthesamerateasamereformalityandpracticalproblems,thebestcontrasttoseethehousingutilityrate,figureouthowyourareatodigupthemoneyandhowmuchisyourhome,thencanusethisarea,youwilldrawatrulyeffectiveprice,payattentionto"greenland"andothersupportingreal"identity"andpropertyrightsattributionForexample:therearealotofrealestatesuchastrangephenomenon:thegreenplansorgolfcourselaterbuiltabuildingcolumninresidentialfacilitieswithintheparkgreenspace,evenoutofthedistrictroadisthedeveloperforsellingandsellingfortemporaryrental,andotherbuildingsweresold,themainindustrytotheParktopayoutoftheirowncommunity,havetopaytollsRecommendations:toclearthedistrictplanninginsomegreen,golfcourseisapermanentgreenspaceorreservedforthedevelopmentofland,andthenatureofthegreenlandandthedeveloper'sresponsibilitytowritethecontractannexInaddition,itisbesttoknowabouttheoutlyingdistrictplanning,perhapsyoucanfindsomeproblems,payattentiontothedevelopmentofthewordheadcommitmentmusthavewrittenrecordsForexample:inordertopleasebuyersandlurebuyerspurchase,somedevelopersorsalesstaffasfaraspossiblewillverballyagreedtotherequestofthebuyer,suchasnegotiatedterms,whatgiftcontractaccessoryproducts,theentranceformalities,howtobuildamatchingandsoonwhereSomebuyerslistenedtotheverbalcommitmentofsalesstaff,itiseasytobelievethatthedeposit,thedownpayment,butuntilthedeveloperdoesnotrecognize,thebuyerwillhavenoevidencefortheirdefenseAndnotethat,somesalesstaffverbalcommitmentisnotthedeveloper'smeaning,andwiththedevelopertheory,thedeveloperwillnotrecognizeorassumeresponsibilitySuggestion:verbalcommitmentregardlessofthedevelopersorsalesstafftogive,andverbalagreementwithdevelopers,shouldberecordedinwritingtothesubscriptionbookorintheannextothecontract,andaskedthedevelopertosealOnlyinthiswaycanthedevelopersberesponsiblefortheirownfalsepromises,andtherightsandinterestsofbuyerscanalsobeguaranteed,payattentiontowhetherthehousemadeafakemortgageormortgageForexample:somedeveloperstocompensatethebuildersoftheproject,putsomehousemortgagedtothebuilders,orbankloans,thehousemortgagedtothebankandbecausethehouseisnotsold,mortgagebankmortgageloans,mortgageloansmadetothehouseButdevelopersalsoputthesealreadymortgagedthehousesoldtoconsumers,suchasbuyerstotheLandBureau,thebankforthepurchaseprocedureswhentheyfoundthehousehadbeenmortgaged,unabletohandlethepurchaseprocedures,theresultisincourtAlthoughitcanwin,buttospendtime,energyandmoney,mayalsonotpaybackProposal:buyersinthepurchaseoflandandHousingAuthoritypriortotheproperty,whetherthesalehasbeensoldorsecuredrecords,inordertoavoidunnecessarylossesanddisputes,payattentiontocheckthesubscriptionbook,purchasecontract,theroomnumberandtheactualfloorofthedocumentForexample:buyershavebeencareless,didnotcheckwhetherthenaturallayerofrealestatelayer,thepurchaseofflatsduetothefirstflooroverhead,theactualfloorraisedalayer,becausethepropertydoesnotlift,onlyalotofclimbingstairsAnotherdeveloperinthesubscriptionbook,thepurchasecontractfilledintheroomnumberisinconsistent,theresultofthebuyertopaymoremoney,butboughtahousetowardtheworseProposal:buyersmustcarefullycheckthesubscriptionbook,commercialhousingsalescontracts,mortgageloanscontracts,deliveryofthevariousbuildings,taxesandfees,documentsandotherdocumentsintheroomnumber,floor,notasignatureonthematter,payattentiontocheckthepresalecertificate,theunitandthecontract,andotherdocumentssealedbytheofficialsealisthesameunitForexample:someofthedevelopersbuildingworks,toputthehouseinthesalesdepartmentandthedevelopersofthehousetogetherwiththesale,buyersjustsawasetofthemandpayadeposit,signedacontractforthesaleisfoundtosignacontractwiththebuildersmadetext,HavetoaskthelawyertogotocourttoaskforadepositThereisalsoabuyertobuyadeveloper'shouse,thepresalepermitalsomarkeddevelopersforthedeveloperButtheactualandsignthecontract,andthecontractandotherpaymentdocumentsstampedforthedeveloperofthefifthprojectdepartment,afterinvestigationoftheprojectdepartmentisnotdirectlyrelatedtothedeveloper,thebuyerstothedevelopersforpaid,butthedevelopersinthefifthprojectdepartmenthasnothingtodowiththeirowngrounds,refusedtorefundbuyerspaidthisisacase,atfiveyears,thereisnoendingRecommendation:donotthinkthattheofficialsealontherestassured,mustcheckandcheckwhethereachsealisthesameunit,otherwisethelossistheirown,notethatthesubscriptionbook,commercialhousingsalescontractsandamendmentstothetextoftheannextothedeveloperstampedwiththeofficialsealForexample:thedevelopersignedacontract,thecontractannexandotherinvoices,willhavethewrongtime,wrongcannotbechangedover,mustalsobealteredandaltereddevelopersinplaceaftertheofficialseal,toprovehimselfiswrongOtherwise,asaresultofdisputes,developerswillshirkresponsibility,thecorrectionreferredtothebuyersonthecourt,itwillbedifficulttodetermineAdvice:don'tignorethesealeffect,otherwisenanbian,payattentiontothetransferpayment,youshouldsetasidemorepaymenttimeForexample:thereisabuyerandthedeveloperagreedthatonedayortwomonthsthroughtheformofbanktransfer,thefirsttothedeveloper'saccount,howmuchoverduepaymentofliquidateddamagesUnfortunately,evenifthebuyersapplyfortransferprocedures,butduetofailureofbanktransfersystemleadstolaterthantheappointedtimetwodaysintothedeveloper'saccount,thedevelopersonthegroundsthattherequirementsofthebuyerliquidateddamagesSuggestion:paymentbuyersmustconsiderthethirdpossiblecausesoftheliabilityforbreachofcontract,sobesuretosetasidesufficienttime,andspecifiedinthesubscriptionbook,ifitiscausedbythethirdpartycausesthetransferdelay,thebuyerisnotliableProvidentfundforthepurchaseofmortgageloansshouldpayattentiontofourprinciplesAsapolicyofhousingloans,workersintheapplicationforprovidentfundhousingmortgageloans,itshouldmasteritsuniquetips,soastoavoiddetoursProvidentfundpurchasemortgageapprovalprinciplesarefour,thenormaldepositprovidentfund,purchasebehavioristrue,collateralimplementation,repaymentguaranteedSpecifically,the"normaldepositprovidentfund"referstoworkersandtheirunitsinfullpaidmonthlyprovidentfund,anddepositprovidentfundformorethanyears,theloaneligibility"Thepurchasebehavioristrue"refersnottohide,counterfeitpurchasebehavior,inparticular,thepurchaseofworkerstochoosecarefullyandfullyunderstandthedeveloperstopurchasehomes,asdevelopershavepresalepermits,completionandacceptanceofthereport,canapplyforhousingpropertycertificate"Collateralimplementation",thatis,inprinciple,thepurchaseofhousingcollateral,thehousingneedtocompletethefirstpropertyrightcard,andthenmortgageregistration,accesstothe"housingofhiswarrants"Therefore,workersanddeveloperssignedthepurchasecontract,thedateofpaymentofshouldnotbewrittentooshort,becausetheloanapproval,thepropertyrightcard,mortgageregistrationwilltakesometime"Repaymentguarantee"meansthattheborrower'sfamilyhasareliablesourceofincome,andcanguaranteetherepaymentofprincipalandinterestwithinaperiodoftheloan,withoutaffectingthebasicfamilylifeIntheauditofhouseholdincome,wecalculatethemonthlywageaccordingtothedepositbaseofbothhusbandandwifeSuchasprovidentfunddepositbaseislow,itshowsthatitsmonthlysalaryisalsolowReasonablemonthlyrepaymentamountshouldbecontrolledinthefamilymonthlywageincomeof,someunitsdeclareworkersprovidentfundbaseislow,sothattosomeextent,affectedtheemployee'sloanamountPersonalpurchaseloansnoteSevenFirst,applyforloanstodowhatWhenapplyingforanindividualhousingloan,theborrowershouldmakeacorrectjudgementabouthispresenteconomicstrengthandrepaymentability,Atthesametime,makeacorrectandobjectiveforecastofyourfutureincomeandexpenditureTwo,domortgageloanstochooseagoodbankForborrowers,ifyoubuyanexistingorsecondhandhousing,youcanchooseyourownloanbankThemorediversethemortgagebankingservices,themoreflexiblepersonalfinancialservicesyouwillreceive,andarichportfolioofservicesandproductsFromthepointofviewofthepublic,thereisnodoubtthatthemoreoptionsthepublichas,thebetterThree,tochoosethemostappropriaterepaymentmethodsAtpresent,therearebasicallytwokindsofpersonalhousingloanringway:oneismatchingrepayment,andtheotherismatchingprincipalrepaymentTheadvantageofthematchingrepaymentmethodisthattheborrowercanaccuratelygraspthemonthlyrepaymentamount,andarrangethefamilyincomeandexpenditureinaplannedwayTheprincipalrepaymentismoresuitablefortherepaymentability,andhopetoreturninlargeramountsintherepaymentperiodtoreducepersonalinterestpaymentsFour,toprovideinformationtothebanktobetrueToapplyforpersonalhousingcommercialloans,banksgenerallyrequireborrowerstoprovideproofofincome,forindividuals,shouldprovidearealpersonaljob,jobandrecentincomeproofIfyourincomehasnotreachedacertainlevel,butyoudon'thaveenoughabilitytorepay,butexaggeratetheirincomelevel,islikelytooccurintheearlyrepaymentdefault,andthebankconfirmedyouprovidefalseevidence,willenablebankstosignificantlyreduceyourconfidence,therebyaffectingtheirloanapplicationsFive,toprovideaccurateandtimelyaddresstomeTheexactaddressprovidedbytheborrowertothebankwillfacilitatethebank'scontactwiththebankandreceivethemonthlyrepaymentnoticeontimeWhenyouadjusttheloaninterestratewiththepeople'sBank,youcanreceivethenoticeofinterestrateadjustmentissuedbythebankatthebeginningoftheyearInaddition,specialremindborrowersattention,whenyoumovenewhomes,mustbenewcontactaddress,contactinformationinatimelymannertoinformthelendingbankSix,todeterminepropertyrights,weshouldtakeintoaccountthetaxrebateAccordingtotherelevantprovisionsofShanghai,forthepurchaseofcommercialhousinginJune,aftertheindividual,youcanenjoypersonalincometax,taxbasedeductionBecausetheobjectofdeductionislimitedtothepropertyownerwholiststhenameofthehousepropertycertificate,soforeachfamily,itisnecessarytomakesurethattherealestateowner(thebuyer)whoisbuyingthehouseiscarefulSeven,themonthlyrepaymentontime,avoidpunitiveinterestForborrowers,themonthlyrepaymentdatemustbeagreedbeforethenotewhethertherearesufficientfundstopreventtheirrepaymentaccount,duetohisnegligencebreachcausedbybankinterest,notbecauseoftheirnegligence,whichcausedthelossoffundsinthebank,atthesametime,leavingabadcreditrecordSevennotFirst,donotusetheprovidentfundbeforeapplyingforaloanIftheborrowerintheloanfromtheprovidentfundforthepaymentofthebalancebeforethestoragelimit,thenyourprovidentfundaccountbalanceiszero,sothatyourprovidentfundloanamountiszero,itmeansthatyouwillapplyforloanstothefundTwo,inthefirstyearoftheloan,donotadvancerepaymentInaccordancewiththerelevantprovisionsoftheprovidentfundloans,partoftherepaymentinadvanceshouldberepaidafteryears,andtheamountyoushouldrepaymorethanmonthsofrepaymentThree,owingontheloanhavedifficulties,donotforgettofindaroundthebankWhenyoufallintheborrowingperiodsolvency,owingontheloandifficulties,ortheirteethICBCcustomersmayapplytotheICBCforextendingthetermoftheloanThebankwillacceptyourextensionoftheloantermafterthebankhasinvestigatedthecaseandhasnotdefaultedontheprincipalandinterestoftheloanFour,afterobtainingthepropertycard,donotforgetthetaxrebateWhenyoubuycommercialhousing,allthefamilymemberswhocanrefundthetaxwillbewrittenastherealestaterightholder,Andthesigningofthecontract,afterpayingfor"propertybuyershavetopaypersonalincometaxbasededuction"application,"ImadethegeneraltaxpaymentbookYoustayonthepurchaseofhousinghasbecomeXianfang,andcompletedmonthsaftertherealestaterightcertificate,shallhandletaxrefundformalitiestothetaxdepartmentFive,aftertheloanrentalhousing,donotforgettoinformobligationsWhenyourentahousethathasbeenmortgagedduringtheloan,youmustnotifythelesseeinwritingofthemortgagedfactSix,aftertheloanpaidoff,donotforgettocancelthemortgageWhenyouhavepaidoffalltheprincipalandinterestoftheloan,youcanusethebank'sloantosettlethemortgageandtherealestateofthemortgagedpropertyHehastherighttoprovethathehasgonetotherealestatetradingcenterintheareawhereheisinthepropertyandthecounty,andcancelledthemortgageSeven,don'tlosetheloancontractandiousToapplyformortgageloans,thebanksignedaloancontractwithyouandiousareimportantlegaldocuments,sinceyears,thelongestperiodoftheloantotheborroweras,youshallkeepyourcontractandIOUs,andcarefullyreadthetermsofthecontract,understandtheirrightsandobligationsSource:NanyangrealestatenetworkRelatedarticlestobuyahousenotes

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