25 Jul 2008

Housing loans used some tips

Housing loans have second-hand tips:

Q: Recently the second-hand, is not less than the loan-to-»

A: is not the case. Customers to a bank loan applications were rejected, not only because of the application in line with a bank's audit conditions. At present the bank's audit standards vary from the proposed customer choice of the brand intermediary agents, in particular, can provide financial services intermediary agents, on the one hand can get professional services to search for the lending bank, on the other hand, these big Intermediary agents often have signed cooperative banks, will provide a number of banks, including foreign banks and even the housing loan business for many customers choose to fully meet customer demand for housing loans.

Q: second-hand housing loans as a percentage of low interest rates also increased »

A: universal banks to tighten housing loans. But there are also many banks have loan amount and the implementation of the preferential loan policy used in applications meet the requirements of the circumstances, for instance, in line with the first set of housing standards, the percentage of loans to be 70%, floating interest rates can hit 15 % Implementation.

Q: I have to transfer the property, but the buyer did not grant the loans, how do ah »

A: The seller has to transfer property to the buyer, but because the buyer has to apply for bank loans has not been approved but not paid to the seller, all of the purchase. This is a new housing loans following the introduction of the policy, customers in specific time for the encounter new problems. Against the question, recommends that customers choose to do such a home purchase mortgage secured professional services for third-party security institutions, loans and transactions the same time, to avoid the above-mentioned risks.

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