1. When applying for a commercial housing loan, an individual shall provide the following information: 1, the household registration book, identity card and photocopy of the borrower's husband and wife (the same owner). 2. The purchase contract or agreement signed with the sales unit. 3. The position and income certificate issued by the borrower's unit, and the private enterprise mainly provides the business license and copy issued by Ming and relevant departments. 4。 5. Personal housing mortgage).
Second, individuals apply to live in a company to sign a house purchase agreement. 2. Fill in the personal housing loan application form and provide the information required by the bank. 3. After the bank has passed the examination, deposit the down payment into the bank or issue a down payment certificate. 4. After approval, sign loan contract, mortgage contract and guarantee contract. 5. Handle the mortgage registration of house property rights, and handle the loan entry and transfer procedures. 7. Go to the development company to handle the relevant household procedures.
Second, the specific process of Jiangsu Kunshan loan to buy a house
Buy whatever you want. Now that the loan has been released, it's not a big problem as long as you repay 4000 yuan a month. If the monthly payment is more than 4,000 yuan, it is necessary to draw a tax bill and pay attention to the search blog of Kunshan house.
3. What are the procedures for foreigners to buy a house in Kunshan?
Can't borrow money to buy a house.
According to the Measures for the Implementation of Kunshan Talent Housing, the conditions for foreigners to purchase houses are as follows:
1, a senior talent introduced through the talent green card.
2. Have worked in Kunshan and paid social security for more than one year.
Provide personal income tax payment certificate or social insurance (urban social insurance) payment certificate accumulated in Suzhou (including Wujiang District), Kunshan City and Taicang City for 1 year or more within two years from the date of purchase (overdue payment is invalid).
3. Pay personal income tax in Kunshan for more than one year.
The procedures required to purchase a house are as follows:
1, subscribe.
To buy a house, you need to subscribe in advance, and you need to determine the housing in the sales office-fill in the personal purchase information-sign a deposit contract-both parties sign and seal-the buyer pays the deposit and keeps the receipt. Note that this step is to "deposit" in advance, not "deposit". There is no clear definition of deposit in law, which usually means repaying the loan in advance without compensation for breach of contract.
2. Sign the contract.
When signing the house, you should bring the deposit receipt, personal certificate, personal seal, household registration book and income certificate. The process is as follows: within the time limit stipulated in the down payment contract, the commercial housing purchase contract is signed-both parties negotiate the contract-both parties sign and seal it-the buyer pays the down payment and keeps it.
3. Choose the loan method.
When choosing the loan method, the application conditions for commercial loans are relatively low and common. Provident fund loan is a kind of housing security system provided by the state for residents, and the application conditions are relatively more complicated.
4. Apply for a loan.
Apply for a loan, choose a loan bank-determine the loan amount-provide the information needed for loan processing-sign a loan contract-after the real estate transaction is completed, the transaction party issues a certificate of other rights-the bank receives the certificate of other rights, the loan is transferred to the borrower's account, and the borrower repays the loan on a monthly basis.
5. House acceptance.
Final house acceptance. Check the house quality guarantee, house instruction manual and completion acceptance record before check-in.
Extended data:
"Kunshan talent housing implementation measures" in the unlimited purchase conditions:
1, working in an enterprise in our city, working when applying for house purchase, bachelor degree or above;
I work in an enterprise in our city, and I was on the job when I applied for buying a house. I have a college degree, and my major matches my post. My major conforms to the Catalogue of Talent Demand of Key Industries in Kunshan City issued by the Municipal Bureau of Human Resources and Social Security that year.
Before the above-mentioned talents buy a house, they should go to the Municipal Human Resources and Social Security Bureau to identify the qualifications for buying a house. The recognized talents shall be implemented by the Municipal Housing and Construction Bureau and the Land and Resources Bureau with reference to relevant regulations.