What materials do intermediaries need for second-hand housing loans?
Submit the materials needed for the second-hand housing loan. The buyer needs to provide: ID card, household registration book, marriage certificate or divorce certificate+divorce agreement or court judgment (only for married or divorced people), income certificate, bank flow within 6 months, bank savings card, and submit the purchase contract at the same time, that is, the stock house sales contract.
There are three points to note here: (1) The bank will check the property status under the name of minor children. Assuming that the purchaser's household registration is in Beijing, there is 1 apartment in the name of minor children, and there is also 1 apartment in the name of the purchaser. If the purchase restriction is exceeded, the bank will not lend money soon. (2) Banks also have clear requirements for borrowers' income. Assuming that there are other loans in the borrower's name, the monthly income requirements are as follows: monthly income = (original loan repayment monthly payment+current loan repayment monthly payment) X2. (3) If the purchaser is divorced now, the address of the real estate on the divorce agreement is inconsistent with the address of the real estate borrowed by the practice, and a certificate of the residential address of the real estate is required to prove that it is the address of the same residence.
What is the process of intermediary handling second-hand housing loans?
1. The bank evaluates the property applying for the loan. Generally, banks will be assessed by professionals.
2. Bank approval. After approval, the bank will issue a loan approval letter to prove to the seller that the bank agrees to lend to the buyer, and the seller can be determined to transfer the property to the buyer.
3. transfer. After the implementation of the real estate registration standard, when transferring ownership, buyers and sellers only need to go to the real estate registration arrangement office to change the original real estate license into a real estate license, and the name of the purchaser can be directly registered on the real estate license.
4. Give the title certificate to the bank as a pawn. Go to the real estate registration department to apply for the real estate registration certificate, which proves that the real estate has the right to pawn by the bank, and the general bank will hand it over to the special arrangement to authorize the real estate to pawn.
5. Bank loans. After completing the relevant formalities, the loan bank will transfer the loan to the deposit account opened by the seller in one lump sum or in installments according to the loan contract.
What should the intermediary pay attention to when handling second-hand housing loans?
1, it is best to meet the needs of three parties for sales. Real estate sales are chaotic, so you should communicate with each other before the sale. When selling, it is best to meet both parties and intermediary companies to avoid being cheated.
2. If not, it depends on the entrustment contract. If we can't meet, we should also ask the intermediary company to issue the entrustment contract of the seller or the buyer. Entrustment contracts generally specify the price of the intermediary and the scale of authorization authority, which helps to ensure the interests of both parties. In addition, the intermediary company should be required to produce a series of certificates, and the specific personal materials of the buyer and the seller should be clearly indicated in the contract. If some clauses in the contract are found to be inconsistent, the buyer and the seller should consult all the questions before signing.
3, check the relevant documents, identify the real house. As far as the seller is concerned, if the intermediary company makes a cash purchase, it must go through the corresponding transfer procedures to prevent the intermediary company from selling the property to earn the difference before going through the formalities. For buyers, we should be wary of fake houses, some of which are just house supports rather than real owners. If the deposit is paid before checking the relevant documents and distinguishing the true and false landlords, the intermediary company falsely claims that the property has been sold, and it will be difficult to refund the deposit at that time.
4. Don't let the intermediary company authorize both parties. When selling second-hand houses, don't entrust an intermediary company to authorize buyers and sellers, and try to let the intermediary company authorize only one party. Only in this way can the interests of the entrusting party be truly guaranteed.
5. Learn information from multiple sources. The reason for eating the price difference is not unrelated to the fact that buyers and sellers don't understand the housing information. What is the price of surrounding real estate? Will the property increase in value? Only by knowing this, can you roughly estimate the price of the property. In this way, it will not be sold at a low price or bought at a high price, and there is no possibility of being eaten at a different price.
6. Ask experts for help. Before buying and selling real estate, please seek help from real estate experts, lawyers or some people who have rich experience in buying and selling real estate.
In this article, Bian Xiao tells you what the process of intermediary handling second-hand housing loans is, and everyone should clearly know what the process of intermediary handling second-hand housing loans is.