Can I apply for a mortgage in a French auction house?

The mortgage loan of the auction house can be handled normally in the auction house, that is to say, the loan ratio, term and interest rate are the same as those of ordinary second-hand houses, and the minimum down payment for buying second-hand houses can be 3.5%, so the auction house is the same. At present, auction houses in Beijing still need to abide by the loan restriction policy like second-hand houses and buy the first property. The maximum loan for ordinary housing is 65% and the maximum loan for non-ordinary housing is 60%. First, the process of applying for loans by auction houses. 1. 1. After obtaining the auction number of the court auction house, you can contact the bank to apply for a loan within one week after the announcement, and it will not be processed after the deadline. At present, only houses and shops with complete two certificates and clear ownership can apply for loans. The loan application accepted by the bank account manager will be notified after the bank has passed the preliminary examination, and you can get the loan letter of intent at the bank outlet. 2. Participate in the auction. If the auction is successful, go to the court to make up the down payment, contact the bank account manager and submit supplementary information at the bank outlet. 3. After the official materials are approved by the bank, the two parties sign relevant contract documents, and the bank assists the court in handling property transfer, mortgage registration, loan and other procedures. 4. The bank informs the relevant loan information. Please go to the bank outlet to get the relevant loan text. Second, the auction risk of the real estate court 1, and the risk of transfer failure caused by the purchase restriction policy. Bidders in auction houses must comply with the local purchase restriction policy, otherwise, bidders are not qualified to purchase houses, resulting in the inability to handle the transfer procedures after the auction is completed. 2. After the risk auction without refund of the deposit is completed, if the buyer regrets the auction, the deposit paid will not be refunded, causing losses to the bidder. 3. The risk business that cannot be accommodated does not violate the lease. If the auction house has a lease, the lease will continue to be performed after the auction, and the new owner will collect the rent, but the new owner cannot terminate the lease contract without reason and live in the house. If the lease is signed after the auction, it can be claimed that the lease is invalid. 4. Risk auction houses with high auction prices have price advantages. However, in the process of bidding auction, some auction houses are competed by too many bidders, and the transaction price may be higher than the market price, which leads to the auction houses losing their price advantage. 5. High-cost risks, such as taxes, property utilities, etc. The buyer of the auction house needs to bear all the expenses in the house transfer, which may include value-added tax and surcharges, land value-added tax, personal income tax, stamp duty, deed tax and other related expenses, such as land transfer fee, property, water and electricity and its late payment fees, which will increase the cost of buying a house. 6. The risk that the account cannot be moved in. If the original owner's account is linked to the name of the property being auctioned, the buyer's behavior of moving the account into the property after the auction will be affected.