The housing loan process is as follows:
1, the borrower signs a house purchase contract with the developer and pays the down payment.
2. The borrower applies for a loan and submits the loan information.
3. The bank accepts the investigation, acceptance and approval.
4. The bank signs a loan contract with the borrower.
5. Go through the formalities of notarization insurance.
6. Banks issue loans.
The required information is:
1, housing loan requires the borrower's personal housing loan application; A copy of the borrower's ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence certificates or other identity documents) shall be provided for housing loans; Housing loans must be approved by the handling bank, the borrower's stable income certificate issued by the relevant departments, or other proof of solvency.
2 housing loans need to be legally purchased housing contracts, agreements and related approval documents; List of rights and ownership certificates of mortgage or pledge required for mortgage loan, certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and mortgage evaluation report issued by an evaluation agency recognized by the loan bank; Buying a house loan requires the guarantor to provide a written promise of guarantee and the guarantor's credit certificate.
What is the guarantee process of existing home mortgage loan?
Guarantee process of existing home mortgage loan: 1. Preparation for signing the contract: 1. Make signing documents such as second-hand housing mortgage loan contract or real estate mortgage loan contract or guarantee/guarantee contract. 2. Verify in advance the identity authenticity of the property owner, that is, your uncle, understand the household registration information (that is, various relatives or identity relationships) of the above-mentioned people, consult the real estate registration book (that is, registration materials) of the city where the property is mortgaged, and consult the notarized power of attorney, appraisal certificate, house sales contract (second-hand house, first-hand house, auction house), etc. 2. At the signing stage 1, check and copy the original documents of the borrower/mortgagor's ID card, birth certificate, household registration book (or household registration certificate, household registration book, household registration book), marriage/divorce certificate (or divorce judgment, divorce mediation book, marriage certificate), and formally identify personal identity information and household registration relationship. 2. Explain and require the borrower/mortgagor to sign the second-hand house (land) mortgage loan contract or real estate mortgage loan contract or guarantee/guarantee contract. Other signing documents include single commitment letter, spouse agreement, self-occupation commitment letter, rental notice, power of attorney, etc. This link is more important. 3. For entrusted signature. Iii. Specific process: 1. Evaluation) 2. Face sign 3. Recognition 4. Mortgage notarization 5. Loan.
How long does it take for a bank loan to buy a house? What is the process of buying a house with a loan?
The early loan policy, which attracted everyone's attention when it was first implemented, has now become a trend, that is, the loan process is becoming more and more strict, and many people will be anxious after lending. How long does it take for a bank loan to buy a house? What is the process of buying a house with a loan?
Buying a house with a loan is the choice of most people now. The early loan policy attracted everyone's attention when it was first implemented, and now it has become a trend, that is, the loan process is becoming more and more strict. Many people will be anxious after the loan is finished, so how long will it take for the bank to lend money? What is the process of buying a house with a loan?
How long does it take for a bank loan to buy a house?
1. After the face-to-face signing, there are procedures such as auditing, mortgage, and taking other items, depending on whether the loan bank has a quota, so it takes 15 days to lend money, and 2 or 3 months to slow it down. For buyers who buy first-hand existing houses or second-hand houses, the bank will ask for repayment of the loans issued in the current month, and the bank will inform when to repay them every month. Generally speaking, housing loans need to go through many links, such as application, house inspection, examination and approval, filing, mortgage and lending.
2. The mortgage application occurs after the down payment of the house has been paid according to the proportion agreed with the developer, and the commercial house sale (pre-sale) contract has been signed. Of course, applying for a mortgage requires buying a house as collateral. The applicant pays the down payment according to the agreed proportion and signs a house purchase contract with the developer. Applicants apply for loans, fill in the loan application form and submit the application materials required by the bank.
3. Acceptance, investigation and approval by banks. The approval process includes: the bank investigates and verifies relevant information, and decides whether to grant loans, loan amount, interest rate, term, etc. After approval, the bank signs a loan contract with the borrower and goes through the formalities of filing and mortgage. When a bank issues a loan, the applicant will repay it on time according to the prescribed repayment method.
What is the process of buying a house with a loan?
If you need to apply for a mortgage to buy a second-hand house, the bank will confirm the acceptance after applying to the bank and confirming that there is no problem with the credit information. It is necessary to conduct a comprehensive evaluation of the house through a third-party evaluation agency, and an evaluation report will be issued in about 3 working days. Then the bank will approve the loan ratio according to the evaluation value. If the total down payment of the loan amount is less than the contract amount registered by the housing management trading center, the difference shall be paid before the transfer formalities, and the relevant documents shall be submitted to the bank for future reference.
After approval, the bank will issue a loan approval letter. After receiving the loan approval letter, the buyer and the seller go to the housing management trading center to handle the transfer. After the transfer is completed, they will hand over the deed tax ticket and the license notice to the loan bank (if it is handled through a guarantee company, the bank will issue the loan amount to the original owner within 24 hours). The bank will go through the mortgage formalities with the house book, and finally the bank will lend money.
The above is the time when I bought a house and gave a loan to the bank. What is the process of buying a house with a loan? Don't worry too much after handling the loan, because the bank needs a trial period and will naturally make a payment after approval. You can wait patiently, and the specific process has been mentioned above. You can familiarize yourself with the process before paying.
All the detailed procedures for buying a house with a loan
1. Inquire about the qualification of buying a house.
Before buying a house, buyers should first understand whether they meet the local conditions for buying a house, especially those friends who want to buy a house in these big cities. If they are not qualified to buy a house locally, they can't apply for a loan to buy a house.
2. Estimate the purchase funds.
Buying a house with a loan is not just a down payment. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures.
3. Look at the house and choose a house.
Property buyers should follow a principle when choosing a house, that is, what suits them is the best. When choosing a house, they should determine the location according to their own living and working scope, and pay attention to various problems such as apartment type, floor and environment.
4. Pay the down payment and sign the contract.
Although most buyers will pay a deposit after choosing a house, the deposit is voluntary and buyers can choose not to pay it. After the buyers choose the right house, it is time to pay the down payment and sign the contract.
5. Go through the mortgage formalities.
After the house purchase contract is signed, the buyers can go to the bank to handle the mortgage formalities with the information prepared in advance. There are generally two kinds of mortgage loans: provident fund loans and commercial loans.
6. House handover.
If you buy an auction house, you usually have to wait a year or two to pick it up. If you buy an existing house, it will not take long to deliver it.
Matters needing attention in buying a house by loan
The minimum down payment ratio of commercial loans to first-hand houses is 30%, and the down payment of second-hand houses is the same as that of first-hand houses, but the first-hand houses pay 30% of the total house price and the second-hand houses pay 30% of the loan evaluation value. The down payment ratio of provident fund loans: the down payment ratio of the first suite with a building area of 90 square meters or more is not less than 20%, and the down payment ratio of the first suite with a building area of 90 square meters or more is not less than 30%.
According to the latest mortgage regulations, the first suite usually needs to prepare 30% down payment, and the second suite needs to prepare at least 40%. In addition, considering the interest rate, people who borrow money to buy a house should prepare more funds, and it is best to ensure that their monthly income is more than twice the monthly payment, which will help improve the mortgage pass rate.
At present, there are two main ways for bank loans to buy a house, equal principal and interest and average capital. Although the average capital interest is low, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.
What is the general process of existing home mortgage loan? I don't know yet. Look here.
Before existing home mortgage, we must first understand what existing home mortgage is. Xianfang refers to the commercial housing that consumers can live in as soon as they buy it, that is, the commercial housing that developers have completed the large-scale production certificate of the houses they sell and signed the commercial housing sales contract with consumers can live in and obtain the property certificate. Existing home mortgage refers to the behavior that the mortgagor provides the mortgagee with debt performance guarantee with his own house without transferring possession. Moreover, legal acts are compulsory registration, and the registration of other rights and interests of the Housing Authority is the key element. The general process of existing housing mortgage loans includes:
The first step, the debt contract was established.
The debtor or a third party shall guarantee the real estate it owns according to law. If the purchaser of commercial housing fails to pay off all the house payment, he can apply for a loan from the bank and mortgage the commercial housing as a guarantee for repayment of the loan.
Step two, the mortgagor and the mortgagor sign a mortgage contract.
At this time, the mortgagee must be the creditor and the mortgagor is the debtor or the third party. When the debt cannot be fulfilled, the mortgagee has the right to dispose of the collateral according to law. If a commercial house is purchased by mortgage, the purchaser shall first sign a commercial house sales contract with the commercial house development and business unit, and then sign a loan contract and a mortgage contract with the bank.
Step 3: Both parties to the mortgage go through the mortgage registration formalities with the real estate registration agency with the mortgage contract and the real estate ownership certificate.
Those who purchase commercial housing by mortgage can apply for mortgage registration and formalities at the same time when applying for transaction registration.
Step 4: The mortgagee keeps other certificates of real estate rights, and the mortgagor keeps the indicated certificates of real estate rights.
Step 5: After the debt is fulfilled, both parties to the mortgage shall go through the mortgage cancellation formalities at the real estate registration authority with the mortgage cancellation application, other real estate title certificates and the indicated real estate title certificates.
(Hualong. Com synthesis)