The money from the provident fund loan will be directly transferred to the seller's account after the loan is issued, and will not be given to the buyer. Personal housing provident fund stock housing loan funds are transferred to the bank settlement account of the seller (that is, the original housing owner).
2. What is the transaction process of Dalian Provident Fund second-hand housing loan?
Second-hand housing transaction process:
Step 1: property right review before selling the house.
First of all, we should carefully check the owner's real estate license and pay attention to the signatures of several people on the real estate license. If there are two people, they need to have their names at the back when signing the contract; Secondly, look at relevant evidence when buying a house, such as purchase invoices and deed tax invoices. As an auxiliary evidence to preliminarily confirm the ownership of housing property.
Risk warning: the biggest risk in this link is the defect of property rights, so before paying the deposit, you must check the file and get a clear answer. The house you like may be in a mortgage state, or it may be because the debt is in a sealed state. Once there is a problem with the property rights of the house, the transaction will be declared invalid.
Step 2: Pay the deposit and sign the contract.
After looking at the house and determining the property rights of the house, it is natural to pay a deposit. But don't ignore this little link, there are tricks to pay the deposit. The house is worth one million yuan, and a 5% deposit can reach 50,000 yuan. So please pay more attention when the transaction reaches this stage.
If the house you like is still under mortgage, it is best not to give the deposit directly to the owner, but to be supervised by a third party. If both the buyer and the seller have a trusted third party, they can sign a simple agreement, stipulating to pay the down payment to the seller after the foreclosure is completed, and stating that "if the third party is given, it will be deemed that the seller has received the down payment, and the seller refuses to perform the contract on the grounds of not receiving the down payment, which will be regarded as a breach of contract". If there is no reliable third party, deposits should be supervised by banks. The specific way is: the buyer and the seller can go to the bank to sign a supervision agreement, and agree to transfer it to the seller's account after completing the delivery procedures at the trading center.
Generally speaking, an appointment sales contract will be signed when the deposit is paid. The contract should at least stipulate the property address, transaction amount, delivery time, liquidated damages and liability for breach of contract. See the model text for specific terms.
Step 3: Redeem the building.
There are two ways to foreclose: first, the owner borrows from the bank through the guarantee company, generating 0.8% guarantee fee and 0.4% short-term foreclosure interest, and then goes to the bank for mortgage after the buyer's real estate license comes out; Secondly, the buyer mortgages the bank through the guarantee company, and the bank pays the ransom to the seller, which only needs to generate the guarantee fee, but the buyer needs to pay the mortgage in advance.
Considering the risk, the buyer had better use the former method to redeem the house. Through the latter method, the short-term foreclosure interest of 0.4% can be saved, but if the transaction is terminated, the seller reneges on the sale or the house has property rights problems, the buyer will be in a passive position.
Step 4: Pay the down payment and supervise the funds.
In addition to property rights, the second major concern of independent transactions is the supervision of funds. In fact, capital supervision has become a system at present, and buyers and sellers do it according to established regulations, with little risk. No matter how you trade, the down payment must be supervised by the bank.
The specific operation is: the buyer and the seller sign a fund supervision agreement in the bank, and then open accounts in the bank separately, stipulating that the buyer will pay the down payment to the seller after completing the transfer and getting a new real estate license. If the transaction is successfully completed, the bank will pay the seller; If there is a problem in the middle, the transaction will be terminated and the down payment will be returned to the buyer. When banks provide this service, they usually charge a single supervision fee around 500 yuan, but if you mortgage through bank supervision funds, you can save this fee.
Step 5: Sign the sales contract.
When signing a written agreement, the most important thing is to pay attention to four aspects, namely, property rights, total house price, transaction taxes and fees, and date. What needs to be noted is that the written agreement should specify how to allocate transaction taxes and fees. The date is also very important, such as the time to pay the deposit, transfer the ownership and hand over the house. Only when the date is set can the transaction proceed smoothly. For example, it is stipulated that the foreclosure will be completed within 45 days, and the down payment will be supervised by the bank within 7 days after signing the contract. After the down payment, you can sign a formal second-hand housing sales contract with Guotufangguan Bureau.
Step 6: Choose a bank and apply for a mortgage.
If it is not a one-time payment, the buyer still needs to go to the bank to make a mortgage loan. When applying for a loan in a bank, both buyers and sellers need to be present, and they should bring the original ID card, income certificate and sales contract. When I applied for a loan, I went directly to the account manager of the bank and told him that I would apply for a real estate mortgage, and he helped me. Generally speaking, the reply can be confirmed on the same day. However, sometimes the loan amount does not meet expectations. For example, banks with high evaluation prices need to be re-evaluated, and generally two or three working days will be extended.
Step 7: Transfer ownership and pay taxes.
You need to go to the property registration center where the property is located to handle the transfer procedures. Buyers and sellers need to bring the original ID card, the original real estate license and the second-hand house sales contract. Generally, after delivery, the owner can ask the bank to put the previously supervised deposit in after receiving the receipt.
Step 8: Next things.
Delivery generally involves the handover of property, water and electricity, cable TV, gas, etc. If there are furniture and household appliances in the property, it is necessary to verify whether they have been replaced or removed. Finally, the owner will hand over the key and formally complete the transaction. The above-mentioned water and electricity handover shall be handled by the management office, water affairs bureau, cable TV station, power supply bureau and other departments respectively. Both parties should prepare copies of real estate license and ID card. Some areas, such as Luohu District, may need to provide mortgage contracts when handing over water and electricity. It is best for both parties to make a phone call before going to avoid running back and forth. The most important thing is to sign the "deposit agreement" before. If the furniture and appliances in the house are complete, the deposit will be returned to the owner. If the furniture and household appliances are really lost, they can be deducted from the deposit through consultation between both parties.
Third, the loan to buy a house, the money to the buyer or the seller?
Should I call the buyer or the seller for a loan to buy a house? In mortgage to buy a house, the money was paid to the seller. Under normal circumstances, the mortgage is directly paid to the seller's account, both for new and second-hand houses.
Provident fund loans, whether to the buyer or directly to the seller, are for the owners and have nothing to do with the buyer. If your loan is not approved, you can apply to cancel the provident fund loan. If it passes, the money will go directly to the owner. At this time, there is no way out. Provident fund loan process 1. The borrower consults with the provident fund guarantee institution and provides the above application materials. After the information is complete, the Credit Commissioner will send a letter to the Provident Fund Loan Center for evaluation and housing evaluation. 2. Preliminary review: After both the credit review and the house review are reported, both the buyer and the seller bring the original materials to the provident fund loan center for preliminary review. After the loan letter is issued, the transfer department arranges the transfer of ownership between the buyer and the seller. 3. Re-inspection: the agent evaluates the deed tax ticket and the notice of obtaining the certificate, and re-examines it at the management department. 4. Face-to-face signing: the agent takes the property buyers to the provident fund management center to sign a formal loan contract. 5. Lending: The loan amount is lent by the provident fund management center to the repayment bank selected by the buyer, and then directly to the seller by the bank.
As a seller, there are three main payment methods for commercial housing: one-time payment, installment payment and mortgage loan. 1) One-time payment is the payment method of paying the house price to the developer immediately after signing the contract. This is the most common payment method before the bank's housing loan business has been carried out. At present, it is generally used for the sales of low-priced small apartments.
Loan buyers must see: can the mortgage repayment method be changed? Can the repayment method of personal mortgage be changed? Different banks have different rules. In addition to equal principal and interest, there are also equal principal repayment methods for mortgage repayment. In the case of the same loan amount, fixed number of years and interest rate, the total interest of equal principal repayment is less than equal principal and interest. This is also the main reason why many friends want to change the repayment method. Generally speaking, the method of mortgage repayment cannot be changed. Because the personal repayment method was signed at the beginning, it is not easy to change. However, some banks support changing the repayment method, but the procedures are more complicated. Although most banks do not support changing the convenience of mortgage repayment, if an individual now has a certain deposit and has the ability to pay off his mortgage or part of it in advance, he can apply for repayment before the repayment deadline.
Loan buyers must see: how to buy a house without enough running water? Loan conditions of the house-buying bank: 1, legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence; 2. Have a stable occupation and income; 3, have the ability to repay the loan principal and interest on schedule; 4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee. 5, there is a contract or agreement to buy housing; 6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations; 7. Other conditions stipulated by the lending bank. Second, what materials do you need for a bank loan to buy a house? 1, loan application form; 2. Subscription agreement or sales contract; 3. identification; Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, home visit certificates and work permits. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located. 4 proof of income (including tax bill, bank deposit record and employer's confirmation). Third, what is the first step in the process of buying a house with a bank loan: the buyer and the seller prepare complete information to see a lawyer. Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion; Step 3: The bank reviews the evaluation report and the president signs the loan. Step 4: Loan.
Can banks lend money to buyers now? It is necessary to find out which region and which bank to lend money to. The policies of each bank are different, and so are the policies of each region.
What are the disadvantages of the property market for buyers with loans? If the purchase price of a house is 80w, the current price of the house will drop to 70w because of the property market, and because you bought it with a mortgage loan, you must continue to perform the contract and return 80w to the bank, but now your house is not worth 80W, but only worth 70w, so you will be in a loss forever.
What kind of mortgage repayment form is beneficial to buyers depends on their own economic ability. The average capital returns more at the beginning, decreases gradually and has less interest. Matching principal and interest is a fixed repayment amount. Under the same conditions, the interest paid is more than the average capital.
Is the property tax borne by the buyer or the seller? According to the tax law, 20% income tax is to be paid by the seller. That is, the transaction price minus its original purchase cost is 20%. But if the seller thinks it is not cost-effective, it will be passed on to the house price, and finally the buyer will pay the bill.
Loan to buy a house, the debtor is the buyer, the creditor is the loan from the developer or the bank, and it is also the loan issued by the bank. Of course, the creditor is the bank. As for the developer, in some cases, the developer is the guarantor in the mortgage.
Fourth, now Dalian provident fund loans to buy a house, is the real estate license in the provident fund or in itself? ...
Hello! Under normal circumstances, mortgage loans need to be secured by real estate licenses. At present, China Merchants Bank Nantong Branch has no provident fund loan business. Please consult your local provident fund management center for details.
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