Doesn't paying insurance affect the house loan, Zhihu?

Do you have to buy insurance for bank loans, or don't buy them or don't lend them?

This is the overlord clause, which has been exposed and strictly prohibited.

Every time RRR is lowered, the benchmark loan interest rate changes from the benchmark loan interest rate to LPR. The main purpose of so many measures is to reduce the financing cost of the real economy. Regulators here are constantly trying to reduce financing costs, while banks there tie loans and insurance together. Isn't this demolition?

The People's Bank of China and the China Banking Regulatory Commission, as the two major institutions that supervise commercial banks, not only shoulder the responsibility of supervising the daily operation of commercial banks, but also fight against the irregularities of commercial banks. Local regulators also said that this kind of chaos of raising the financing cost of the real economy in disguise and bundling sales should be found together, investigated and dealt with together, and will not be tolerated.

1. Do I have to buy insurance to apply for a mortgage?

You don't have to buy insurance to apply for a mortgage. At present, the state does not stipulate that borrowers are forced to buy insurance when handling mortgages. However, in order to improve the security of their loans, some banks often require borrowers to buy insurance at the same time, usually two types of insurance developed by insurance companies.

This kind of insurance will replace the borrower when the borrower is unable to repay.

2. Can the insurance purchased by the bank be refunded when the loan is made?

Distinguishing between situations is not a simple judgment of whether you can retreat.

1. First, understand why you want to buy insurance. Generally, there are two situations:

2. As a part-time insurance institution, banks sell insurance business, so they tie the insurance business together when lending. There is no actual connection between the insurance business and the loan, but the bank staff just need the loan in order to complete the task, and both sides take what they need, thus tying the insurance.

3. If the purpose of the loan fund is to buy raw materials, fuel, etc. Or build a project, then insurance is for the purchased raw materials, fuel, etc. Or insurance for projects under construction, which is a measure taken by banks to monitor the flow of loan funds and ensure the normal assets formed by loan funds.

As far as the first case is concerned, most of this insurance buying behavior is not written in the contract, so it is nothing to surrender, at the cost of a stiff relationship with the bank. If it is the second case, it is impossible to surrender, and the risk of bank loan funds increases. If it is necessary to return the loan, the bank will take measures such as raising the loan interest rate, shortening the loan period or recovering the loan in advance.

Can I buy a house without social security?

Whether you can buy a house without social security depends on the regulations of the local city. Due to the different regulations in different cities, the conditions for buying a house are also different, and it still depends on local specific conditions. In some cities, you can buy a house directly without restrictions. Buying a house in other cities requires paying social security for more than half a year.

Before buying a house, you should make a good budget plan, including household income and expenditure, whether there will be large consumption in the next few years, whether the job needs to be changed, decoration expenses and the cost of buying furniture and appliances.

Also know the local housing policy and whether you are qualified to buy a house. Clear the purpose of buying a house. Before buying a house, buyers must be clear about their purpose of buying a house. Whether for children's education or to settle down; Whether to buy the first suite or the second suite to improve the family living environment; Huxing, is to buy two small rooms, two large rooms, three small rooms, or three large rooms; How big the budget is, how high the price is, and so on. These are all things to consider before buying a house.

Do I have to buy life insurance to get a mortgage? Generally, you have to buy insurance!

It is estimated that many people are not clear about the idea of buying personal insurance for mortgage. In fact, mortgage life insurance is exquisite, and not all life insurance needs to be bought. Generally speaking, mortgage life insurance is specifically life insurance, housing provident fund loans can be bought, then let's take a look at the specific situation!

Home insurance is required for mortgage (optional).

If the loan method is a commercial loan, then the commercial bank may require the repayment person to purchase a mortgage insurance developed by a life insurance company. The purpose of this kind of insurance is to avoid the insurance that the borrower can't repay in the future because of the loss of repayment ability, and the insurance company lends money to the borrower to repay.

Provident fund loans should also be insured.

Banks said that provident fund loans sometimes force lenders to buy insurance, because the provident fund itself is also supported by national policies, and banks are only responsible for issuing loans, but the risk that loans are difficult to recover is unbearable. It can only be said that signing insurance can reduce some risks.

Why buy home insurance?

1. Commercial banks can avoid some risks and avoid the inability of the repayment person to repay within the repayment period.

2. Housing protection framework, which is responsible for compensating housing damage caused by accidents and solving disaster problems. The maximum compensation amount is the loan amount.

3. According to the insurance stipulated in the Measures for the Administration of Personal Housing Loans, although compulsory purchase is not required, it is also clearly stipulated that the insured should insure the house and have the obligation to pay the insurance premium.

Because whether the bank has the right to force the mortgage holder to buy insurance and whether the mortgage holder can refuse to buy insurance actually depends on the requirements of the lending bank. In other words, if you don't buy insurance, you won't issue loans, and there is no point in arguing.

Can I buy a house without paying social security?

You can buy a house without paying social security, but you must have other repayment sources and repayment ability.

Personal housing commercial loan process

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 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;

Secondly, information must be provided.

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall 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.

Remarks: There are many ways to buy a house with personal loans, including social security, provident fund, wage loans and policy loans. The specific needs depend on individual circumstances.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.

What should I do if I am in a hurry to buy a house without social security?

What should I do if I am in a hurry to buy a house without social security?

What if you are in a hurry to buy a house without social security? Some cities have requirements for buying a house, such as social security. Buying a house doesn't mean I have money. You know, there are many types of houses, and there are still many problems to pay attention to in the whole process. Let's take a look at it first. What if I am in a hurry to buy a house without social security?

What should I do if I am in a hurry to buy a house without social security 1

Different regions have different social security policies for buying houses. If you need social security, you can find a special company to buy provident fund and social security. Generally speaking, human resources companies and labor service companies can help with purchasing, but they will charge a handling fee appropriately, usually tens of yuan a month. Social security is to ensure the qualification of foreigners to buy a house (local accounts are generally not needed).

In order to buy a house, you have to pay social security, which is compulsory and different from commercial insurance.

1, you can choose to buy an apartment, because there is no limit to buying an apartment.

2. Marry a person who is qualified to buy a house locally, or settle down and buy a house by other means.

3. I want to borrow money to buy a house, but I can't apply for a loan to buy a house temporarily without paying the social security certificate. You can go to the real estate agent for consultation. They have affiliated units to pay social security, which may solve your problem.

Matters needing attention for foreigners to buy a house

1, positioning is very important.

The middle class with a monthly income of nearly 10,000 seems to be "rich", but before deciding to go through the formalities of buying a house in a different place, it is necessary to measure the family income level, the existing savings, the amount of loans, the amount of subsidies from relatives and friends, and correctly estimate their actual purchasing power, so as to finally determine the type, area and price of the house to be purchased. Because the location, area and total price of the house will directly affect the future bank evaluation and the final loan amount.

2. Go shopping.

Many banks have launched "direct customer service" for people who go through the formalities of buying houses in different places, which "collides" with the service model of traditional personal loan financial institutions. Objectively speaking, the bank's "direct customer service" has the advantage of saving money, but the relative loan products are relatively simple, while the personal loan financial service institutions have unparalleled advantages in terms of loan service professionalism, authority of real estate and financial policies, and mastery of many bank loan products. Therefore, property buyers should "shop around" and choose the loan entrustment method that suits them before going through the formalities of buying houses in different places.

3. Pay attention to the loan method.

Middle-income people should pay attention to the loan method and consider the factor of "early repayment" when handling loans. Although the current monthly income is nearly 10,000 yuan, no one can predict the possible changes in the future, especially in the face of the current "wavering" market situation of financial policy, we should pay more attention to choosing the most suitable repayment method, and at the same time consider the factor of "early repayment" after the loan.

What should I do if I am in a hurry to buy a house without social security?

If you need social security to buy a house, you can find a professional company to buy social security on your behalf. Generally speaking, human resources companies and labor service companies can help with purchasing, but they should charge some handling fees appropriately, usually tens of yuan/month. Social security is to ensure the qualification of foreigners to buy a house (generally no local hukou is needed).

Precautions for buying a house?

1, don't believe the salesperson's one-sided words. For real estate consultants, although the customer is God, many real estate consultants will avoid the important for the sake of performance. You can't trust the salesman's words, because the salesman's reply and commitment can't be used as the legal basis in the future, and everything is subject to the purchase contract and supplementary agreement.

The average price is not the price of the house. Generally speaking, there is an external average price for selling real estate, but there is often a big gap between the house consumers want to buy and the "average price". Generally speaking, multi-storey houses are located on the 4th or 5th floor. High-rise towers are located on floors 6-8, and the apartment types are mostly east-west. The difference between the highest price and the average price of multi-storey buildings with two households on one floor is 5%-8%, and the tower is between 15%-20%.

3. Whether the project has obtained the pre-sale certificate and whether the housing quality is guaranteed. Be sure to read the pre-sale certificate before signing the house purchase contract to prevent the developer from selling without a license, and then the house may be in trouble. When buying a house, you must look at the steel used in the construction site on the spot, or consult the owners who have already stayed. These are all things that must be inspected before signing the purchase contract.

What are the steps to buy a house?

1. Prepare to buy a house: to buy a house, you must first estimate your actual purchasing power according to the financial strength and repayment ability, and determine the location, area, price, floor and orientation of the house according to the needs of work and life.

2. Housing selection: This link is a continuation of the preparatory work, which can be inquired from newspapers, television, internet or related real estate websites. Property buyers need to integrate the advantages of the three major media and comprehensively and carefully examine the housing information.

3. On-the-spot house inspection: House selection is a highly technical job. Before choosing a house, you should know the basic knowledge of floor area ratio, greening rate, pool and apartment type. If you buy an existing house, you can intuitively see the structure and apartment type of the house, but if it is an auction house, you can only choose the house based on the apartment type map. At this time, buyers must learn to look at the floor plan.

4. Negotiation and signing: After the target is determined, enter the negotiation stage of substantive contact with the seller. Negotiating and signing a sales contract is an important link in the process of buying a house. Both buyers and sellers should put their rights and obligations into words, especially the key terms such as housing area, payment method and property status.

5. Handling loans: comprehensively consider the loan amount and duration. According to their own financial resources and various conditions of the house they bought. Intermediary companies should assist in handling loan procedures in accordance with relevant bank regulations.

6. Transfer of property rights: the name of the original seller should be changed to the name of the new buyer. Relevant materials need to be prepared under the guidance of the intermediary company, and then the warrant personnel will assist in the formalities of property right transfer.

7. Check-in: Since then, I have lived a life of monthly mortgage repayment. When you move in, you must pay the water, electricity, gas, cable TV, heating and property fees of the purchased house, and both the buyer and the seller and the intermediary company must sign the property handover form for the record.

What should I do if I am in a hurry to buy a house without social security?

What are the precautions for buying a house for the first time?

First, the preliminary preparation. Some people's wages may not be high, and most of them use the down payment at home to buy a house. Your own bank statement may not look good. Before you buy a house. The suggestion is to make a beautiful running account. Save a little money in the bank card every month. So you have a deposit record! ! Will increase your approval rating! ! The bank current account is twice as much as the monthly loan you need! ! Some banks need to keep a running account of more than 5000 yuan. Have a plenty of no matter how much.

Second, try to borrow whole numbers for loans. Because bank loans are all integers. Will not lend Qian Qian absolutely. If you're lucky. Thought it would pass! It is difficult for banks to get loans when loans are tight. So if conditions permit. Try to borrow integers! For example, you want to borrow 325 thousand. Try to borrow only 320 thousand. Quit as little as possible before buying a house. If your job is always changing. Loans are hard! If you want to buy a house. Try to stay in one company. Anyone who wants to resign will wait for the loan to be issued before resigning!

Third, try to let the openers choose banks. Because if you choose your own bank. If the loan is not issued. It's your duty to do that. If the developer chooses a bank. The loan was not issued. You can also force developers to help you find a way! ! If you don't issue loans, even if you insist on choosing a bank, you will be held accountable. Developers will certainly not have any responsibility.

Precautions for viewing the house?

First, avoid the deposit trap: many developers will play as many preferential activities as possible. how much is the deposit? Some developers will refund the deposit. Some retired for various reasons. So if you pay the deposit, you must be optimistic about the deposit contract! ! And Chinese characters. Broad and profound. Although the meanings of "Ding" and "Ding" are similar, they are quite different. Therefore, it is necessary to distinguish the differences and avoid falling into the deposit trap!

Second, avoid the trap of robbing houses. Developers will always create an atmosphere of grabbing houses. Let many buyers concentrate on a time period to grab the house together! So many people want to grab a good room number. You will rob the house without thinking! Moreover, many developers announced the house price before robbing the house. So be sure to figure it out before deciding whether to grab it! ! Don't be too expensive after grabbing it.

Third, look at the housing area: sometimes look at the model house because the decoration effect will make the house look big! Therefore, if you look at a house and buy a blank, try to use an undecorated house as a reference.

Fourth, check the developer's word of mouth: How about searching this property directly online! Or go to SouFun to see if there are any posts about this developer and property! Some even have video exposure. For example, you can search for the name of a property or developer in Baidu video. Avoid buying a house of a black-hearted developer.

When it comes to buying a house, everyone may have something to say. After all, buying a house is a big event, and there are many problems to consider. If you are a friend who has no experience in buying a house, you must not blindly follow it, otherwise you will regret it. Here, I suggest that before buying a house, you must know what the precautions for buying a house for the first time are and the relevant knowledge of the precautions for viewing a house, because buying a house and viewing a house are both more important.