Real estate intermediary loan process steps:
1. The borrower submits a written loan application and provides relevant materials.
2. The buyer and the seller open an account in the loan bank, and the buyer deposits the down payment in full into the account designated by the loan bank.
3. After investigation and approval by the lending bank, the borrower and the lending bank sign a loan contract and a transfer deduction authorization.
4 for housing transfer, insurance, notarization, mortgage registration and other procedures.
5. Proof of property right transfer. The borrower shall submit the house ownership certificate, house ownership certificate and insurance policy (original) of the purchased house that has gone through the mortgage registration formalities to the loan bank for mortgage.
6. Transfer loans. After the above procedures are completed, the loan bank will transfer the loan to the account opened by the borrower in the loan bank, and then transfer the loan from the borrower's account to the seller's account at one time according to the authorization of the Power of Attorney for Deduction.
1. Conditions for real estate agents to apply for loans: 1, with permanent residence in cities and towns or valid residence status;
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
3. There is a purchase contract or agreement;
4. Be able to pay a deposit of not less than 50% of the national defense evaluation price after full purchase;
5. Agree to use the purchased house as collateral, or provide assets recognized by the loan bank as collateral or pledge, or have a unit or individual with guarantee qualification and sufficient compensation capacity as a guarantor to repay the principal and interest of the loan and bear joint liability;
6. Other conditions stipulated by the lending bank.
2. When the real estate agent handles the loan, the borrower needs to provide the following materials: 1. Housing transaction contract signed by the buyer and the seller and signed by the competent department;
2. The ownership certificate of the purchased house and the certificate that someone agrees to sell the house;
3. The borrower's family property certificate and income certificate (including personal income certificate issued by the work unit, including tax payment certificate, bank deposit certificate, real estate certificate, securities, etc.). );
4. The borrower's legal and valid identity certificate (referring to the resident identity card, residence booklet or other valid residence certificate) and proof of marital status;
5. The document that the borrower and * * * people agree to mortgage the purchased house.
What is the process of intermediary handling provident fund loans?
Generally speaking, you need to bring your ID card to handle provident fund loans, but you can also handle them through intermediary companies, as long as you provide relevant documents. Then, what is the process of entrusting an intermediary to handle provident fund loans?
1. Loan consultation The borrower directly consults with the intermediary company and gets the personal housing provident fund loan folder.
2. Submit an application. The buyer, the seller and their spouses (who are single and issue the certificate of civil affairs bureau's marital status) go to the loan bank for pre-trial registration with the ownership certificate of the house, the state-owned land use right certificate, the household registration book, the ID card, the marriage certificate, the house evaluation report, and the original and copy of the passbook opened by the seller in the name of the seller, and submit the loan application materials (the same as the self-management materials).
3. The bank that signed the loan contract accepts the information of the loan applicant, and the bank submits it to the provident fund center for approval to determine the loan amount and term; Intermediary companies handle the transfer procedures of real estate licenses and land certificates for buyers and sellers of houses and provide staged guarantee commitments; The loan bank signs a loan and mortgage contract with the borrower.
4. After the house ownership certificate is transferred, the provident fund center can issue the loan funds with the receipt of the house ownership certificate and the land use certificate, and directly transfer the loan funds to the seller's deposit account through bank transfer.
5. Handling mortgage intermediary companies continue to handle housing two certificates and housing mortgage registration procedures for borrowers, and hand over other house warrants to loan banks for safekeeping and filing.
6. Repay the loan monthly. The following month, the borrower shall repay the loan principal and interest on time on the 20th of each month according to the loan contract until the loan is fully paid off. When the borrower pays off the remaining loan for the last time, he should go to the loan bank in person and go through the repayment settlement procedures at the bank counter.
7. After the cancellation of the mortgage borrower pays off all the loan principal and interest, he shall go through the mortgage registration cancellation formalities at the original real estate mortgage registration department with the loan settlement certificate and the mortgage cancellation certificate issued by the loan bank.
Special reminder, intermediary agent provident fund loans are subject to handling fees, but also have certain risks, so it is necessary to be cautious in choosing intermediary loans.
How can intermediaries help people with poor credit information get loans?
Intermediaries lend money to people with poor credit information;
1, loan time
In fact, it is particularly critical to grasp the timing of loan processing. Because the current policies of financial institutions are different every year, for example, the beginning of this year is the peak period for financial institutions to issue loans, and everyone is trying to grab customers in the new year, so the approval rate will be higher. If the credit is not good, there is also a chance to get a loan. You can apply for a loan during this period. Under normal circumstances, the pass rate can be much higher, which is conducive to improving the loan pass rate.
2. Low threshold
In fact, the thresholds of financial institutions and banks are different. Some loan products are easy to apply for. Even if the lender's credit is not good, he can still borrow money. Naturally, he must assist other materials. There are four main ways of guarantee: pledge, guarantee and credit. Credit is not very good, you can try other ways to guarantee, and the pass rate is higher.
3. Account Manager
The account manager is responsible for entertaining customers of financial institutions. Some account managers are experienced and familiar with the loan process and products of financial institutions, which is conducive to improving the loan pass rate. You can learn more during the loan application process.
4. Pledge or
If you have a house, a car, an oversized insurance policy, savings, financial investment and other property. You can apply for this pledge or loan credit. Can an intermediary handle it? Compared with pure credit loans, you need to find more state-owned enterprises with high quota, which is especially suitable for customers with certain overall strength to apply.
How to operate consumer loans through intermediary loans?
Specifically, there are the following operating procedures:
First, individuals apply for consumer loans from commercial banks according to actual needs.
Second, commercial banks will approve loans according to personal qualifications.
Third, after the approval of the commercial bank, the individual implements the relevant conditions and signs a loan contract.
Fourth, commercial banks issue consumer loans to individuals.
Fifth, individuals use loans according to the requirements of loan purposes.
How to handle second-hand housing loans through intermediaries
1, looking at the house, usually through a real estate agent;
2. Sign the deposit agreement and intermediary agreement, and pay the deposit after signing the agreement;
3. Sign a sales contract, that is, a real estate sales contract, and at the same time file the contract online;
4, pay a down payment, if the last home has a loan, usually the last home will use the down payment to repay the loan in advance;
5. Go through the next loan procedure and apply for a loan from the bank with the sales contract and other materials;
6. Handle the transfer transaction procedures. After the transfer formalities are completed, the fair will issue a receipt;
7. Get the title certificate, and you can get the title certificate within 20 days after the receipt comes out;
8. The lending bank may issue loans to the next home. The time for lending may be before the property right is completed, or after the property right certificate is completed, depending on how the next home and the bank agree;
9. hand over the house and pay the final payment.
Extended data
Buying a second-hand house through an intermediary needs attention:
1, don't give the house payment to the intermediary. At present, in the second-hand housing transaction, some intermediary staff often use various methods to persuade customers to hand over the house payment to the intermediary for escrow. However, once the house payment is handed over to the intermediary, the intermediary company will delay the transaction time for various reasons, and occupy and misappropriate the customer's house payment for the company's profit. Some intermediaries occupy the customer's house payment for 2-3 months, which brings great inconvenience to both buyers and sellers.
2. Keep all the evidence properly. In the transaction process, you need to pay attention to keep copies of written materials with the intermediary, such as contracts, receipts, ID cards, real estate licenses, etc., so as to avoid future occurrences, but you cannot defend your rights because of insufficient evidence. Especially some verbal promises made by the intermediary, you must insist on writing them into the contract, otherwise they will be invalid.
3. Refuse to pay all kinds of miscellaneous fees except agency fees. Some intermediaries will also charge transfer expedited fees, fund guarantee fees, and provident fund loan relationship fees. But in fact, in addition to the taxes and fees charged by the state, formal intermediaries only need to charge intermediary fees, and other fees will not be charged.