1. Materials for applying for mortgage loan
1. Letter of Intent for House Purchase signed by the Borrower and the Seller, receipt of over 30% house payment or other supporting documents.
2. Valid identity documents of the borrower's husband and wife, proof of marital status, household registration book, income certificate and half-year bank account.
3. Proof that the property owner is willing to mortgage the property.
4. Other materials deemed necessary by the lending bank.
5. If the borrower is a legal person, it shall carry a valid Business License for Enterprise as a Legal Person or Business License for Enterprise as a Legal Person, identity certificate of legal representative, financial statements and loan card; If it is a joint-stock enterprise, it is also necessary to provide the articles of association and the certificate that the board of directors agrees to mortgage.
Second, the rights of buyers.
Buyer's rights
1. Have the right to know, consult and know about mortgage loans.
2. Have the right to require the lending bank to issue loans at the time, amount and manner agreed in the contract.
3. Have the right to occupy and use the purchased property before and after the loan is paid off.
4. Have the right to lease, transfer, donate or otherwise dispose of the mortgaged property after obtaining the consent of the loan bank.
5. If the purpose of the loan cannot be achieved because the house sales contract is invalid or cancelled, the parties have the right to request the termination of the loan contract (unless otherwise agreed in the loan contract).
6. After all the loan principal and interest have been settled, they have the right to ask the loan bank to return the house ownership certificate or other relevant documents, and go through the mortgage registration and cancellation procedures.
7. Have the right to recover liquidated damages from the loan bank.
Extended data:
The process of applying for mortgage loan
1. application
The customer submits a written loan application to the bank and submits relevant materials.
Step 2 sign a contract
After receiving the loan approval notice from the bank, the loan applicant shall sign a loan contract and a guarantee contract with the loan bank, and handle notarization, mortgage registration, insurance and other related procedures as appropriate.
Step 3 open an account
Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
4. Withdraw the loan
With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
5. Repay on time
The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. There are two repayment methods: entrusted deduction and counter repayment.
6. Loan settlement includes early settlement and normal settlement.
Early settlement refers to the settlement of the loan before the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment loan)
Normal settlement refers to the settlement of the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment loan). If the loan is settled in advance, the borrower must submit an application for early settlement to the loan bank 65,438+00 working days in advance after paying off all the payables.
Note: After the loan is settled, the borrower obtains the loan settlement certificate from the loan bank, retrieves the real estate ownership mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities with the loan settlement certificate issued by the loan bank.
Baidu encyclopedia-bank mortgage loan
Baidu encyclopedia-mortgage loan