First, on-site inspection
Lenders, intermediaries, appraisers, buyers and sellers. Location: the location of the house applying for mortgage loan. Field survey of houses: whether the property rights of the houses sold are clear; Whether to establish other mortgage rights; Whether to rent it out; If it is a public housing reform housing, housing projects, affordable housing and other non-commercial housing is in line with the listing conditions; Whether it is included in the demolition notice or the scope of urban transformation planning; Whether the proportion and term of the loan applied for meet the requirements; Whether the information provided by the seller is true, complete, legal and effective; Record second-hand houses
Customer's contact telephone number; Collect a copy of real estate license. According to ICBC regulations, second-hand housing mortgage loans are allowed for properties built after 1993; The age of the house purchased is generally not more than 15 years, in which the loan ratio must be reduced accordingly, and the mortgage rate is up to 70%. The longest period is 30 years; The sum of the house age and the loan period shall not exceed 30 years at the longest, and the loan period of commercial housing shall not exceed 10 year at the longest; If the building area is less than 60 square meters, a second residence certificate is required. Make a comprehensive evaluation of the buyer's repayment ability, and inform the customer of the materials (ID card, household registration book, marriage certificate, real estate certificate, land certificate and deed tax certificate) that need to be prepared. ) Submit two blank income certificates to the customer for seal, and sign the Confirmation of Real Estate Transaction.
Second, the verification of property rights.
Property owners and * * * owners (sellers) and intermediaries. Venue: Housing Authority. Property owners and * * * owners (sellers) bring their ID cards and original property ownership certificates to the Housing Authority for verification. Then, take a certificate of property right transfer verification and file inquiry and keep the invoice; Then show the "document retrieval fee invoice" to verify the document retrieval and wait for the query result; Here, I receive the real estate license stamped with the official seal of "xxx Real Estate Archives" and the original copy of the Commodity House Sales Contract of the house.
Third, sign a contract.
Lenders, intermediaries, buyers and sellers. Location: loan bank. Carefully check and verify the customer's original data, identify the authenticity of all signatories, supervise the customer's signature, collect the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copy the data, and remind both parties to go to the bank to handle the account.
Fourth, fill in the contract
Fill in the contract according to the relevant information provided by the customer. When the borrower's income certificate is insufficient, it is necessary to provide the borrower with income certificate. The unit name on the income certificate must be the same as that on the application form. The address of this city must be filled in the current address column of the Application Approval Form; If * * * is the same as the borrower, two people are required to sign the application form and a corresponding statement is required. When filling in the Mortgage List of Individual House Purchase Contract, the original value is the transaction price of the buyer and the seller, and the discount rate = mortgage value (i.e. loan amount) ÷ original value or evaluation value (whichever is lower). Do not fill in the real estate license number and interest rate. Supplementary clauses of the loan contract: If the relevant statements and materials provided by the borrower are false, it will be regarded as a breach of contract, and the lender has the right to take measures such as announcing the early expiration of the contract, recovering part or all of the loan principal and interest, and investigating its liability for breach of contract. In case of loan interest rate adjustment, the default interest rate of overdue loans will rise by 30% according to the adjusted actual loan interest rate. Company seal: affix the company seal and the legal person seal to the house transaction confirmation and agreement. Personal second-hand housing loan down payment certificate? It needs to be stamped with the company seal and signed by the witness. What do you need after the loan? Second-hand housing mortgage transfer confirmation? Stamp with official seal. Fill in the information and send it to the pre-trial.
Verb (abbreviation for verb) obligation to pay
After the fee is pre-approved, the customer will be notified to pay.
Transfer of property rights of intransitive verbs
Intermediary, buyer and seller. Venue: Housing Authority. Information provided: ID cards of buyers and sellers, real estate licenses, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area exceeds 200 square meters, it is necessary to provide a transaction evaluation report and copy the information. (1), obtain three real estate sales contracts, which need not be signed, and the blank space above the contract needs to be stamped with the seal (or signature) of the intermediary company. (2) Fill in a market transaction price after receiving the declaration form (submit the original property ownership certificate and the original identity certificate). (3) Pay stamp duty, the original and photocopy of the ID card of the buyer and the seller, the original and photocopy of the real estate license, issue payment bills and return the bills (the stamp duty is paid at the cost of 1‰). (4) Handling: the original and photocopy of the ID card of the buyer and the seller, the original and two drawings of the real estate license, face-to-face verification and signature by handprint, issue an acceptance certificate, and take back the original real estate license. 5. Vouchers, rental fee receipts, transaction fees, registration fees and payment. ⑥. After 5 working days, get a new real estate license with the license notice, original ID card and deed tax invoice.
Seven, postage stamps
(1), get a new real estate license, and fax the official report of the appraisal company for mortgage. ② The printed power of attorney together with the loan contract and mortgage contract (filled out) shall be sent to the bank for seal.
Eight, data archiving
In principle, data archiving is: transfer in the Housing Authority, it can be archived in about 7 days, and there is no exact time; At the time of filing, the property owner holds the original ID card to the Housing Authority 1 Building 13 window for filing; You can only apply for mortgage after filing.
IX. Mortgage Procedures
Apply for a mortgage. Other items in Article 16 of the mortgage contract should be filled in: the loan is used to purchase second-hand houses, and the houses are located in ... (specific location). ② Item 4 of Article 1 of the loan contract: The loan right under this contract is only used for: purchasing ... (specific location). (3) The portfolio issued by the Housing Authority should be: second-hand housing mortgage. (4) After 7 days of mortgage, he will get other warrants.
X. bank loans
After the bank lends money, it is required to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and also require the intermediary agency to provide loans to the bank. Second-hand housing mortgage transfer confirmation? Stamp with official seal.