How do individuals query housing loan information online?

The general inquiry method is the local housing authority, but you can only check it yourself, and you need to identify it. You can only find out whether the house has been sold or set up. It is impossible to find the owner's personal information online. What you can find is the location of the house, residential location, building number, area and unit. It's hard to say in different places, depending on the degree of real estate information networking construction.

The analysis is as follows:

1. Borrower's valid ID card and household registration book;

Second, the proof of marital status, unmarried need to provide proof of unmarried, divorced need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

Four. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).

Extended data:

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan filled out by the buyer to the loan bank, as well as legal documents such as ID card, income certificate, housing sales contract and guarantee letter. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank will directly transfer the loan funds to the sales unit within the time limit stipulated in the contract.

Common sense of loan

(1) The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. daily interest rate (0/000)= annual interest rate (%)÷360 = monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12

(two) banks can use the product interest method and the transaction interest method to calculate interest.

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is:

Interest = cumulative interest-bearing product × daily interest rate, where cumulative interest-bearing product = total daily balance.

2. Transaction-by-transaction interest calculation method carries out transaction-by-transaction interest calculation according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

If the interest-bearing period is a whole year (month), the interest-bearing formula is:

① Interest = principal × year (month )× year (month) interest rate

If the interest-bearing period is a whole year (month) and days, the interest-bearing formula is:

② Interest = principal × annual (monthly) × annual (monthly) interest rate+principal × odd days × daily interest rate.

At the same time, banks can choose to convert all interest-bearing periods into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is as follows:

③ Interest = principal × actual days × daily interest rate

These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. The central bank gives financial institutions the right to choose which formula to use. Therefore, the parties and financial institutions can agree on this in the contract.

(3) Compound interest: Compound interest refers to adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest.

(4) Penalty interest: If the lender fails to repay the bank loan within the prescribed time limit, the penalty interest paid by the bank to the defaulter according to the contract signed with the parties is called bank penalty interest.

(V) loans overdue liquidated damages: penalties for the defaulting party with the same nature as penalty interest.

Formulation and filing of interest calculation method

The interest calculation and settlement rules and methods for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of the People's Bank of China for the record and informed to customers; Regional commercial banks and urban credit cooperatives as legal persons shall file with the branches of the People's Bank of China and the central branch of the provincial capital and inform customers; County rural credit cooperatives as legal persons can formulate interest calculation and settlement rules and interest calculation methods for deposit and loan business according to the actual situation of the county rural credit cooperatives, and report to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons will inform customers.

Once the reference:

1. Provisions on the Administration of RMB Interest Rate (Yinfa 199977).

2. Notice of the People's Bank of China on issues related to the interest rate of RMB loans. 200325 1).

3. Notice of the People's Bank of China on the Interest Settlement of RMB Deposits and Loans (Yinfa No. 2005 129).

Housing mortgage loan conditions: the life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Commercial housing, apartments, shops and office buildings are generally needed.

General real estate mortgage loans need to be handled by professional real estate guarantee companies. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are used to meet temporary consumption needs and even commercial needs through mortgage loans, so as to revitalize the real estate held by residents. Moreover, among various financing channels, real estate mortgage loan is still one of the lowest cost ways.

References:

Housing loan-Baidu encyclopedia