No, in this case, there is no purchase contract and down payment bill; If you have purchased the house in full, you will no longer accept provident fund loans.
Implement the policy of waiting for the issuance of housing provident fund loans, and determine the time for issuing loans according to the waiting order and funds. Therefore, the purchase of judicial auction real estate temporarily does not have the conditions for handling provident fund loans. After the house is transferred, you can apply for withdrawal of individual account housing provident fund.
Extended data
In order to improve the efficiency of judicial auction and provide convenience for bidders' financing, the people of Beiguan District of Anyang City launched the "Judicial Online Auction Loan", which means that in the future judicial auction, the buyer can successfully bid the subject matter of judicial auction by applying for a loan when the funds are insufficient and it is difficult to make a one-time payment.
In the past judicial auctions, in order to reduce the risk that the auction price could not be put in place, it was often necessary to pay the full amount in one lump sum, especially when the subject matter such as houses was involved, many bidders had to "sigh at the auction". After the introduction of "legal auction loan", it will greatly alleviate the financial pressure of bidders, be more conducive to the disposal and realization of property, and improve the transaction rate of judicial auction.
Take the real estate auction as an example. After telephone consultation, potential bidders will be personally signed by the bank. After confirming that he has the loan qualification, the potential bidder pays the premium to the guarantee company, which will issue a letter of guarantee. After seeing the letter of guarantee, the bank will deposit the loan into the account, handle the transfer formalities after the transaction, and the bank will mortgage the property.
Can I borrow money for the auction house?
The auction house can borrow money to buy it.
Generally, bidders are required to pay the full amount within one week after the auction is successful, but if personal funds are insufficient, they can advance the loan first and transfer the auction money to the designated account within the specified time. Law auction houses can apply for mortgage loans normally, and the loan ratio, term and interest rate are the same as those of ordinary second-hand houses, but law auction houses can only choose commercial mortgage loans.
Legal loan process of auction house
1, loan prequalification
Confirm the borrower's loan qualification before the auction, and then prepare the ID card, household registration book, marriage certificate (divorce certificate/divorce agreement), income certificate, bank flow, detailed self-inspection report, and submit the pre-trial materials to the bank according to professional advice. Confirm the loan proportion and loan qualification through the above materials.
2. Loan guarantee
After the judicial auction, if the buyer fails to obtain the legal documents and the bank issues the mortgage loan before the mortgage is implemented, the loan must be guaranteed by the guarantee company. Therefore, after the bank loan is approved, it is necessary to go to the cooperative guarantee company, sign the guarantee agreement and pay the guarantee fee, and the bank needs to receive the guarantee letter issued by the guarantee company before lending.
3. Bank face-to-face review
After the auction is successful, go to the bank for face-to-face audit, verify all the originals and copies of the above borrower's information, and submit the production adjustment form, auction deposit transfer certificate, auction transaction confirmation and bank card copy. The evaluation company for bank access issues an evaluation report, and once all the above materials are passed, the qualification for obtaining the loan and the corresponding amount will be confirmed.
4. Bank loan approval
After the auction is completed, the deposit shall be paid to the designated collection account within the prescribed time limit. On the premise that the guarantee procedures have been completed and the letter of guarantee has been obtained, the bank will make the final payment and directly transfer the loan amount to the account.
5. Coordinate unpacking, decompression and transfer.
Open the property and understand the sealing procedure of the office. In the account where the final payment is made in the bank, keep the original receipt, communicate with the relevant personnel of the Executive Board and go through the formalities. Make sure to get four books: auction confirmation, civil ruling, assistance in execution and tax cooperation. Go to the Housing Authority, Archives Bureau, Real Estate Administration and other departments to handle the release of housing. After paying various taxes and fees, complete the transfer procedures according to (auction success documents, unsealed documents, tax payment vouchers) and take over the house after formally obtaining the real estate license.
6, for housing mortgage registration.
Get the property right certificate and register the house mortgage. The bank completes the filing formalities after receiving the other right certificate, and the purchaser can get the loan contract and the copy of the property right certificate from the bank with the original ID card, and the third party's guarantee responsibility is lifted and the repayment begins.
Can auction houses be mortgaged?
You can apply for a mortgage loan normally. The loan ratio, term and interest rate are the same as those of ordinary second-hand houses. If you buy a second-hand house, the minimum down payment is 30% to 50%, so is the second-hand house.
French auction houses in Beijing still need to meet the loan restriction policy like second-hand houses and buy the first property. The maximum loan for ordinary housing is 65% and the maximum loan for non-ordinary housing is 60%. When buying a second house, the maximum loan for ordinary housing is 40%, and the maximum loan for non-ordinary housing is 20%.
Matters needing attention in handling mortgage loans
1. If the borrower takes the reserve balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan. According to the relevant provisions of the provident fund loan, part of the prepayment should be made one year after the repayment, and the amount you return should exceed the repayment amount of six months.
2. Don't go it alone when your debt repayment ability drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if the situation is true and there is no default in repaying the loan principal and interest, ICBC will accept your application for extension.
This is the end of the app introduction of auction house network. I wonder if you have found the information you need?