Go to the developer to get the application for housing ownership registration, classified floor plan and land division transfer certificate before applying for the certificate.
Going to the real estate bureau for the first time:
Need to bring:
1, application for registration of house ownership;
2. The floor plan of the house;
3. Certificate of initial registration of commercial housing;
4. The original and photocopy of the applicant's ID card (copy of both sides);
5. Original pre-sale contract of commercial housing;
6. A set of bank mortgage information;
7. If an agent is entrusted, a power of attorney, an agent's ID card and the original are required.
When you arrive at the real estate bureau, you can directly pay the maintenance fund first, and our community can follow 120 yuan/_.
Then hand in the above information, including the maintenance fund invoice that I just got. The middle clerk may ask you to get a surveying and mapping form from the lobby on the first floor, with relevant information on it, without paying any other fees. He will send you a receipt to tell you what to do next!
After receiving the data, wait 10 days, in fact, about 9 days should be enough.
Second visit to the real estate bureau:
Need to bring:
The receipt given last time
1, 2, 3 and the last 1 copy of the pre-sale contract or the original copy.
Copy of purchase invoice
Original id card
Go directly to the registration hall. Note: you can only stare at one shop assistant, especially when there are many people, so as not to delay time.
The clerk will give you a notice of payment according to your ID card, and you will pay the deed tax and registration fee at two windows respectively. If the deed tax was paid before June 10, 2008 (please consult the real estate bureau for the specific time), the deed tax will still be paid at 2%, and then you can enjoy the national preferential policies. The registration fee and production fee are 80 yuan and 10 yuan respectively. Then continue to go back to the clerk to sign for confirmation, and then go home with a big red book.
Apply for land certificate (Land and Resources Bureau is closed on weekends,)
Need to bring:
1, land division and transfer license;
2. The original (each page must be printed, and if there is a property owner, a copy of the same can be printed) and a copy;
3. Copy of the house purchase contract and copy 1, 2 pages and the last 1 page;
4. Original and photocopy of ID card.
Personal accreditation can be done directly at the window, hand in relevant materials, fill in the form and sign. In terms of cost, * * * needs to pay the cost of 18 yuan. Then sit aside and wait for certification. The total processing time of this certificate is about 15 minutes.
2. What are the mortgage procedures for Shenyang real estate?
When transferring a house, it is stipulated that the loan is needed to pay off the mortgage, and the owner has obtained the property right of the house, with the real estate license and deed tax certificate, on the transferred land.
The housing has passed the restricted period stipulated by the school policy.
The registrant of the real estate license, the owner of the house and the buyer hold their respective ID cards, household registration books and marriage certificates to sign a contract with the housing management department to which the house belongs to handle the transfer formalities.
3. What is the process of secondary mortgage of Shenyang real estate? Is it a mortgage house?
Generally speaking, there are two ways to carry out your mortgage with a second mortgage: First, if the mortgage has been repaid for several years. Moreover, the loan amount of the house itself is relatively small, and the loan of this property can be settled. Then you can go to the bank to apply for part of the loan amount. Between consumer loans. The approval criteria of different banks are slightly different, and the specific situation is analyzed. Second, according to the second loan. If you pay back the mortgage for three years, you can borrow 45 times the monthly repayment amount of the mortgage. If the amount can be 70 times the monthly mortgage repayment. Interest is generally between 5.3% and 8.5% per month. As the name implies, it is also called loan house credit loan. These are mortgage loans.
4. What are the conditions for mortgage loan of Shenyang mortgage house? What is the process?
In Shenyang, most buyers are concerned about what conditions and how long it takes for Shenyang mortgage house to apply for mortgage loan. Everyone attaches great importance to buying a house. Now let me tell you some relevant information.
In Shenyang, most buyers are concerned about what conditions and how long it takes for Shenyang mortgage house to apply for mortgage loan. Everyone attaches great importance to buying a house. Now let me tell you some relevant information.
What are the conditions for Shenyang mortgage house to apply for mortgage loan?
1. The borrower in Shenyang owns the property right certificate of the house. The real estate license cannot be mortgaged in the bank, nor can it be mortgaged in the local loan company or housing management office. It must be in the hands of the borrower to apply for a loan.
2. The house in Shenyang currently has a mortgage loan line. Under normal circumstances, the mortgage loan amount of a house needs to reach 60% to 70% of the total value of the house. If it is too low, such as 30% or 40%, it is impossible to get a loan successfully.
3. In addition to meeting the above conditions, Shenyang borrowers also need to have the basic conditions for loans, with stable income and good credit. The income needs to be stable for more than half a year, and it is 2~3 times higher than the total repayment amount. How much higher, subject to the provisions of the lending institutions. The number of overdue credits is generally not more than three times.
What is the mortgage loan process of Shenyang mortgage house?
1. With the consent of the bank, the buyer and the seller conduct real estate transactions in Shenyang and sign a house purchase contract or letter of intent;
2. Shenyang applies for a loan from the bank and submits relevant materials;
3. Shenyang Bank will notify the borrower of the results of the credit investigation and review of the borrower. If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a supplementary contract for housing mortgage loan with the seller, and the seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller;
4. The Shenyang borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller;
5. After obtaining the certificate of land and house ownership, Shenyang Bank will transfer the loan funds to the mortgage loan account and related accounts of the seller at the original loan outlets to repay the mortgage loan principal and interest owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank;
6. The borrower in Shenyang repays the loan on schedule.
The above is the information I compiled for you about whether Shenyang mortgage house can be mortgaged for the second time, and what is the process of Shenyang mortgage house for the second time. I hope you can get some inspiration from what I have compiled and bring you some help from the experience of buying a house. It is also a good choice to buy with two mortgages.