The reason is that it takes a long time to approve the provident fund loan, and the auction house is the property of the court. The general court requires the final payment to reach the court bank account within 7- 10 working days after the auction, but the provident fund loan cannot do this.
It should be noted that the buyer needs to pay a certain guarantee fee when handling the mortgage loan by auction. The guarantee bank lends money to the borrower without obtaining other mortgage certificates of the borrower's house, and the guarantor needs to bear the risks.
It is equivalent to the buyer buying an insurance, and the bank recognizes the loan risk of the auction house. The general guarantee fee is 65438+ 0.5% of the loan amount.
First of all, the legal procedure of housing loan is six steps.
1. Loan prequalification
Confirm the borrower's loan qualification before the auction.
Prepare ID card, household registration book, marriage certificate (divorce certificate/divorce agreement), income certificate, bank account number and detailed credit report. It's best to contact the auxiliary filming organization first to check the relevant information.
For example, the matching of loan amount and running water, loanable period, etc. , and improve the pre-trial materials that need to be submitted to the bank according to professional opinions. Confirm the loan proportion and loan qualification through the above materials.
Reminder 1: Married people need to provide the information of both husband and wife when borrowing money, and both husband and wife need to bring the original to the bank to sign in person.
Reminder 2: The maximum loan amount can reach 70%. According to different places, the loan amount will vary.
Reminder 3: It is best for banks to prepare for the annual income flow of/kloc-0. There are no different requirements for the flow according to the loan amount.
2. Loan guarantee letter
Coordinate the third-party guarantee companies in advance.
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 bank access assessment company issues an assessment report. After all the above materials are approved, the loan qualification and corresponding amount will be confirmed.
4. Bank loan approval
After the auction is completed, the down payment will be paid to the collection account designated by the court within the prescribed time limit, and the screenshot of the transfer will be sent to the bank. 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 court account.
5. Coordinate unpacking, decompression and transfer.
Unlock the property and go to the court to understand the sealing procedures. The bank balance should be remitted to the court account, the relevant original receipts should be kept, and the relevant personnel of the court executive board should communicate and go through the formalities. Make sure to get four copies of Auction Confirmation, Civil Ruling, Assistance in Execution and Tax Assistance.
Go to the Housing Authority, Archives Bureau, Real Estate Administration and other departments to handle the release of housing. After paying all kinds of taxes and fees, complete the transfer procedures according to (successful auction documents, court unsealing documents, tax payment vouchers), and take over the house after formally obtaining the real estate license.
6. Apply for 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.
Second, when is the loan?
After the auction, it is generally required to pay the house price within ten days, and the court will collect the full amount. If you have a mortgage, you must make sure that the money is enough. Otherwise, if the money is not enough, the court will deal with it as negative damage and the punishment will be very serious. Therefore, the following suggestions are put forward:
1. Provide real materials 2 weeks before the meeting and complete the loan pre-examination;
2. On the day of winning the bid, sign a loan contract at the bank that has completed the pre-examination at the latest the next day. Prepare all originals and photocopies at the pre-trial and sign the contract at the designated bank;
3. Within 3 days of winning the bid, transfer the down payment to the court account and submit the down payment voucher for the transfer payment to the bank;
4. Make sure to get the letter of guarantee within 5 days after winning the bid. After the letter of guarantee comes out, pay the guarantee fee to the guarantee company as soon as possible, and then contact the bank to handle the loan formalities;
5. After the above procedures and documents are submitted completely, the bank will generally lend money within 1 to 2 working days, which basically guarantees that the full payment will be completed within 10 working days after the auction is successful.
Of course, regarding the control of time, the business processing speed of local banks and related institutions will be slightly different. To be on the safe side, I suggest you know the situation as soon as possible and prepare as soon as possible!