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How much salary can I borrow to buy a house? You can buy a house with a monthly salary of 5000.
First, how much salary can I borrow to buy a house? You can buy a house with a monthly salary of 5000.

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

2, the purchase of housing county (big town) and in principle for the borrower's current residence or work, business;

3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;

4. The loan amount is determined according to the borrower's education level, repayment ability and the liquidity of the purchased house.

5. Agree to go through the mortgage registration of pre-purchased commercial housing first, and promise to go through the mortgage registration formalities together with the purchased house after the house is completed and the property right certificate is obtained;

Secondly, information must be provided.

1. Original and photocopy of the applicant's and spouse's ID card and household registration book. If they are not in the same household registration as their spouses, proof of marriage relationship is required);

2. The commercial housing sales contract signed by the purchaser and the company;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4, the house is placed in the sales office);

5. If the borrower is a legal person, it must carry a valid business license of the enterprise as a legal person or the identity certificate of the legal representative. If it is a joint-stock enterprise, it must also provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;

6. The developer's collection account number is 1 copy.

Three. General commercial terms

1. The loan term is generally within 30 years, and the borrower (male) is 65 years old and the female is 55 years old;

2. The loan interest rate is fixed. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

3. The repayment methods of mortgage mainly include average capital and equal principal and interest. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).

Fourth, the housing mortgage loan process

1. The developer proposes the mortgage loan cooperation intention to the loan bank;

2. The lender investigates the developer's development project, construction qualification, credit rating, moral status and financial status of the person in charge, and signs a contract with the qualified developer.

3. The purchaser signs an agreement with the developer, and the merchant pays the required down payment according to the contract requirements;

4. Within seven days from the date of voluntary payment, the purchaser shall provide mortgage loans that meet the requirements of the mortgage bank. Specifically, it includes: commercial housing sales contract (filing and registration), down payment receipt, ID card, marriage certificate, income certificate and bank.

5. The lender shall investigate and review the house purchasing bank, and go through the preliminary procedures, including loan application, joint repayment statement, commitment letter, conversation record, loan contract, IOUs, etc. ; Then the buyer borrows the bank card, and the bank reports it to the superior bank for approval;

6. The application approval period is generally within 7 days. Dock with banks, understand the situation, solve problems, actively assist buyers to complete loans, and sign contracts with mortgage banks in time.

2. 5000 yuan a month, how much can I borrow from the bank to buy a house? What are the requirements?

5000 a month, you can borrow 50 thousand from the bank to buy a house. The first home purchase loan is a policy-based home purchase loan, called mortgage loan, with low interest rate and high loan ratio. The premise is that half of the borrower's salary is enough for the monthly payment. The income is 4000-5000 yuan/month, and the monthly payment is 2000-2500 yuan/month. Requirements: There is no bad record on the credit report. : 1. loan (electronic receipt credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. 2. Repayment method of the loan: (1) equal repayment of principal and interest: that is, the sum of the principal and interest of the loan is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; (2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; (3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis; (4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period. (5) Repay all the loans in advance: that is, the borrower. (6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.

Can I buy a house with a monthly salary of 5000 yuan?

This depends on the local house price. If the house price exceeds 10000 yuan per square meter, then a monthly salary of 5,000 yuan can't provide a house. If the house price is lower than 10000, pay a little more down payment, the loan period is the longest, or you can barely pay for the house.

Fourth, how much money can you buy a house with a loan, and how much can you buy a house with a monthly salary of 5 thousand?

1. Basic conditions of commercial housing mortgage loan 1. The borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan; 2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business; 3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%; 4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan collateral, and re-apply for mortgage registration after the purchased housing is completed and the property right certificate is obtained; Two, must provide information 1, the applicant and spouse's identity card, the original and photocopy of the household registration book in three copies (if the applicant and spouse are not in the same household registration, a marriage certificate should be attached); 2. The commercial housing sales contract signed by the purchaser and the company; 3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price; 4. Proof of income of the purchaser (provided by the bank and placed in the sales office); 5. If the borrower is a legal person, it shall carry a valid Business License for Enterprise as a Legal Person or Business License for Enterprise as a Legal Person, identity certificate of legal representative, financial statements and loan card.

If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage; 6. The developer's collection account number is 1 copy. 3. The general business agreement is 1. The loan term is generally less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) 65 years old and (female) 55 years old in principle; 2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year; 3. The main repayment methods of mortgage are divided into average capital and equal principal and interest, and buyers can choose freely.

The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes). Iv. Housing mortgage loan process 1, where the developer proposes the intention of mortgage loan cooperation to the loan bank; 2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers; 3. The purchaser signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements; 4. Within seven days from the date of paying off the voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan.

Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank; 5. The loan bank investigates and reviews the situation and procedures of the buyers, and goes through the preliminary procedures with the buyers who meet the basic conditions (including the spouses of the buyers), including loan application, joint repayment statement, commitment letter, conversation record, loan contract, iou, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval; 6. The application approval period is generally within 7 days.

For overdue loans, the marketing department timely connects with the bank to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time; .