Changchun second-hand housing loan process
1. Determine the mortgage service company and loan scheme.
Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and consult with the mortgage service company to determine the loan plan.
2. Inquire about provident fund (if provident fund loans are needed)
After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term.
3. Sign a house sales contract.
The borrower and the seller sign a house sales contract through an intermediary company.
4. Prepare loan information and review loan eligibility.
The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit.
5. Sign loan agreement, notarization and insurance.
The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees.
6. Handle the house transfer and mortgage procedures.
The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.
7. Apply for real estate license and mortgage certificate.
After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your real estate license and the original of other rights certificates to the bank.
8. Bank loans
After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.
(The above answers were published on 20 15-06-27. Please refer to the actual situation for the current purchase policy. )
When buying a new house, go to Sohu Focus.