1. Can I get a loan to buy a house if I owe 100,000 yuan on a credit card?

If the user meets the application conditions for a mortgage and passes the mortgage review, then even if there is already a bank liability of 100,000 yuan, he will still be eligible for a loan. You can get a loan to buy a house. If the user does not meet the conditions for home loan application, or meets the conditions but fails to pass the review, the user will not be able to get a loan to buy a house, regardless of whether he or she owes the bank 100,000 yuan. The key point of getting a loan to buy a house is to meet the mortgage application conditions and pass the review. As for personal debt, it will not have a big impact on the mortgage loan.

1. What will the bank check when applying for a mortgage?

The bank will first investigate the applicant. The applicant's ID card and household registration. If user members and immediate family members participate in the loan, the bank will also check the ID card and household registration. If the spouse does not participate in the loan from the same household, a marriage certificate is also required. If the applicant requires provident fund borrowing, he or she must provide proof of timely payment of provident fund. The most important thing to investigate about applicants is whether they have the financial ability to repay. When determining the loan period, working years are sometimes also taken into consideration. If there are still 5 years until the statutory retirement period, and the period for applying for a provident fund loan is 10 years, then the bank is unlikely to approve it.

The investigation of the applicant also includes the purchase contract or agreement signed with the real estate developer, and must have proof of payment for the purchase. The second is the investigation of real estate developers.

2. Conditions for applying for a mortgage

1. Have a fixed residence in the location of the lending bank, have a permanent residence or valid residence certificate, be under 65 years old, and have full capacity for civil conduct Chinese citizens;

2. Have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on time;

3. Have a good credit record and willingness to repay, and no bad credit Records;

4. Can provide legal, effective and reliable guarantee recognized by the bank;

5. Have a clear purpose of the loan, and the purpose of the loan complies with relevant regulations;

6. Open a personal settlement account at the bank;

7. Other conditions specified by the bank.

3. How much is the monthly payment for a 700,000 loan for 20 years?

A 700,000 loan for 20 years can generally only be a mortgage, with an increase of 10% based on the current first-home commercial loan benchmark interest rate of 4.9%. The provident fund interest rate implementation benchmark is used as an example to calculate the monthly payment for different repayment methods as follows: 1. Commercial loan: the monthly payment of equal principal and interest is 4771.83 yuan, the first monthly monthly payment of equal principal is 6060.83 yuan, and the monthly repayment amount will decrease by about 13 yuan thereafter. ;

2. Provident fund loan: The monthly payment of equal principal and interest is 3970.37 yuan, the first monthly monthly payment of equal principal is 4812.5 yuan, and the monthly repayment will decrease by about 8 yuan thereafter.

2. If there is still 50,000 yuan on the credit card that is being repaid in installments, will it affect the loan to buy a house?

If there is 50,000 yuan on the credit card that is being repaid in installments, applying for a personal housing loan will have a certain impact. .

If you choose to use the purchased property as a mortgage, or can provide good credit certificates to prove that you have sufficient repayment ability, it will help to get approved for the housing loan.

The process of applying for a personal home loan:

1. Choose a property that you are satisfied with;

2. Confirm the qualifications of the developer and whether the property being built is Obtain the support of the bank to ensure the smooth acquisition of mortgage loans;

3. After signing the "Commercial Housing Pre-sale and Sales Contract" with the developer, initiate a loan application, and the bank will review and confirm that the home buyer meets the conditions for the mortgage loan Then, issue a loan approval notice or mortgage loan commitment letter to the home buyer;

4. Handle mortgage registration and insurance. Under normal circumstances, because the mortgage loan period is relatively long, in order to prevent loan risks, banks require home buyers to apply for life and property insurance;

5. Sign a housing loan contract. Clarify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations;

6. After completing the relevant procedures, transfer the loan to the developer's bank supervision account at the bank at one time as a The purchase price of the house buyer;

7. Open a special repayment account, and the borrower will make regular repayments as stipulated in the contract.