Basic operation process of mortgage loan in second-hand housing transaction
1. Determine the mortgage service company and loan scheme.
Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and consult with the mortgage service company to determine the loan plan.
2. Inquire about provident fund (if provident fund loans are needed)
After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term.
3. Sign a house sales contract.
The borrower and the seller signed a house sales contract, and agreed on the transfer time and account transfer in the loan.
4. Prepare loan information and review loan eligibility.
The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit.
5. Sign loan agreement, notarization and insurance.
The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees. (Due to the particularity of second-hand housing transactions, banks generally designate loan guarantee companies to provide services, and guarantee companies generally charge handling fees and guarantee fees. )
6. Handle the house transfer and mortgage procedures.
The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.
7. Apply for real estate license and mortgage certificate.
After the lender's real estate license and other rights certificates are issued, the mortgage service company will hand over a copy of your real estate license and the original of other rights certificates to the bank.
8. Bank loans
After receiving the above two certificates from the borrower, the bank will issue the loan amount to the borrower.
In the actual handling process, due to different cities and different loan banks, the handling process may be slightly different, but it is basically the same, so you can refer to it. Buying a second-hand house suggests choosing a reliable intermediary company. In the whole transaction process, the intermediary company will provide a full set of services, which can save a lot of worries.
It usually takes a long time to apply for a mortgage loan from a bank. In the process of waiting, the borrower is more worried about whether the bank can lend money, and this waiting time will become longer because of fear. So, how long does it take to apply for a mortgage loan? What's the difference between a new house and a second-hand house?
Buy a new house
If you need to apply for a mortgage to buy a new house, and the property has obtained a pre-sale certificate, as long as you apply to the bank, the bank will inquire about your credit record from the People's Bank of China. If there is no problem, we will reply to your personal loan application within 3 days, and ask you to submit relevant copies of licenses, income certificates, down payment documents and other materials as required, and sign relevant bank documents and loan contracts.
After collecting all the information, the bank submits it for internal examination and approval, and then goes to the housing management transaction core for mortgage registration, which takes about 10 working days. After the transaction core issues other warrants (real estate registration certificate issued by the city that implements real estate registration), the bank will lend money within 3 working days.
Buy a second-hand house
If you need to apply for a mortgage for the purchase of a second-hand house, apply to the bank and confirm that there is no problem with the credit information, and the bank will confirm the acceptance. It is necessary to conduct a comprehensive evaluation of the house through a third-party evaluation agency and issue an evaluation report in about 3 working days. The bank will then verify the loan ratio according to the evaluation value. If the total loan amount+down payment is less than the contract amount registered in the core of the housing management transaction, the difference must be paid before the transfer formalities, and the relevant documents should be submitted to the bank for future reference. After approval, the bank will issue a loan approval letter. After the buyer and seller receive the loan approval letter, they will be transferred to the core of the housing management transaction. After the transfer is completed, they will hand over the deed tax ticket and the license notice to the loan bank (if it is handled through a guarantee company, the bank will issue the loan amount to the original owner within 24 hours), and the bank will go through the mortgage formalities for the property with the house book, and then the bank will lend money.
It usually takes about 2 weeks from the time the lender submits the materials to 1 month. Due to the different progress of each institution and the personal reasons of the staff, the loan processing cycle will be different. The above time is for reference only.
As a second-hand house that has been a hot market, more and more people like to buy and invest in second-hand houses. But more people tend to borrow money to buy second-hand houses, so the purchase process of second-hand houses is divided into the above steps. Bian Xiao has arranged it for everyone. Friends who want to buy a house can refer to it For the second-hand housing loan lending time, Bian Xiao also gave a reference time. About how to handle the second-hand housing loan and how long it takes to lend the second-hand housing loan, Bian Xiao stopped here today.
Tubatu Online provides you with "every decoration quotation, 1-4 local decoration companies, 3 sets of decoration design schemes" and the decoration pit avoidance strategy for free! Click this link:/Zhu Ye /zxbj-cszy.php? to8to _ from = SEO _ zhidao _ m _ jiare & amp； Wb, you can get it for free ~