Qingyuan loan purchase process
The first is application: the borrower fills in the application form at the loan processing outlet with the following documents: valid identity documents; Proof of marital status; Pledge and mortgage documents, if the guarantor provides guarantee, there must be guarantee documents.
Second, the bank's loan audit: the bank investigates the borrower's guarantee and credit, examines and approves according to the procedures, and informs the borrower of the examination and approval results.
Third, signing a contract: after the borrower's application is approved, he will go through the following procedures: signing a loan contract and corresponding guarantee contract with the bank, and going through notarization, insurance, mortgage registration and other procedures.
4. Lending: After the borrower completes the relevant formalities, China Merchants Bank will pay the loan to the borrower's personal account and transfer the loan to the relevant payee's account according to the borrower's entrustment.
The fifth is to sign a loan contract after investigation and approval. After the loan bank agent completes the registration notarization procedures, it will deposit the money into the seller's account * * * Insurance, and notify the customer to go to the seller to handle the purchase procedures with the contract on the principle of voluntary * *.
Six, the loan bank pays the deed tax, obtains the deed certificate, and completes the registration procedures of the real estate certificate and the house mortgage. Fees are charged in strict accordance with the charging standards of relevant competent departments, and no agency fees are charged. The borrower must provide all the materials required for the above procedures. After the loan is returned, the loan bank cancels the collateral and returns it to the customer.
Matters needing attention in buying a house by loan
1. Apply for the loan amount according to your own ability.
Take a piece of paper, fill in your requirements one by one according to their importance, write down the affordable price in another column of the paper, make a budget according to your own economic strength, and then work out the amount you want to borrow. Generally speaking, the higher the down payment ratio, the shorter the contribution period and the smaller the monthly pressure.
2. Choose a good loan bank for mortgage.
The more services provided by mortgage banks, the more detailed they are. Borrowers will get flexible and diverse personal financial services, as well as a rich portfolio of services and products. They should choose the right loan bank according to their actual situation.
3. Choose the repayment method that suits you.
At present, there are basically two ways to repay personal housing loans: one is equal repayment, and the other is equal principal repayment. Both methods have advantages and disadvantages, and borrowers need to rationally choose the appropriate repayment method.
The information provided to the bank should be true.
To apply for personal housing commercial loans, banks generally require borrowers to provide proof of economic income. For individuals, it is necessary to provide true personal occupation, position and recent economic income, which will make banks reduce their trust in you and thus affect loan applications.
5. Repay on time every month to avoid penalty interest.
For borrowers, before the agreed repayment date every month, they should pay attention to whether there are enough funds in their repayment accounts, so as to avoid being punished by the bank for their negligence and leaving a bad credit record in the bank.
Conditions for buying a house with a loan
1, must have a permanent residence in the town or a valid residence status;
2, must have a stable occupation and income, good credit, the ability to repay the loan principal and interest on schedule;
3. There are assets recognized by banking institutions as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors, who can repay the loan principal and interest and bear joint and several liabilities;
4. If there is a purchase contract or agreement, the price of the purchased house basically conforms to the evaluation value of the real estate appraisal agency entrusted by the bank or the bank;
5. Meet other conditions stipulated by the bank.