Beware of second-hand housing loan transactions, fraudulent loans, and buying a house must understand these.

Under high housing prices, most property buyers choose loans to buy houses, but in the process of loans, we should not take the following matters lightly:

1. Don't use the provident fund before the loan.

If the buyer intends to apply for provident fund loans to buy a house, then don't use the balance of the provident fund account before the loan, because the amount of provident fund loans has a great relationship with the balance of the provident fund account. If your account balance is zero, then your loan is hopeless.

2. Keep the loan contract safe.

Some borrowers put the loan contract on hold after they get the loan, which will bring trouble to themselves. The loan contract is legally binding. If there is controversy in the future, it is the most powerful proof.

Don't forget to cancel the mortgage after the loan is settled.

Many mortgage customers think that as long as the loan is settled, it will be over! But this is not the case. After completing the mortgage, the borrower must also bring his valid identity certificate, loan contract, loan settlement certificate and other materials to the original mortgage registration department for mortgage cancellation, and the house will truly belong to you after completing the formalities.

How to prevent second-hand housing loan transaction fraud

1) In general, for the mortgage of second-hand houses, both parties to the transaction should apply before the transfer formalities, and then apply after the transfer formalities, which will cause the risk of transaction failure. When approving individual housing loans, banks should not only investigate the financial situation and repayment ability of buyers, but also require both parties to provide housing evaluation reports, and determine the loan amount based on the lower of the evaluation price and transaction price. The buyer needs to pay a down payment of not less than 30%, and the loan period is determined according to the service life of the house and other factors. Neither the buyer nor the seller knows that all these links may lead to the failure of the transaction.

2) To apply for a second-hand housing loan, you need to go through the transfer procedures. Only after the name of the property owner is changed from the seller to the buyer can you apply for a loan with the property here as collateral. In general, before the transfer formalities, the down payment paid by the buyer should be deposited into the account of the real estate transaction institution designated by the bank, which will be frozen by the bank, so as to avoid the risk that the buyer maliciously delays the mortgage formalities, and the seller will not receive the final payment of the house or will not go through the transfer formalities after receiving the down payment.

3) If there are only purchase contracts and invoices, don't buy a house without a title certificate, otherwise it may be impossible to apply for a title certificate because of the developer's problems.

The above is Bian Xiao's knowledge about how to prevent the fraud of second-hand housing loan transactions.

(The above answer was published on 2015-12-11.Please refer to the actual situation for the relevant housing purchase policy at present).

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