What if I want to buy a house but I can't pay it in one lump sum? Of course, I am looking for a bank loan, but the loan process is not that simple, and the types of house loans are different. Let's take a look at the process of applying for a commercial loan to buy a house! Loan process 1 Application related materials: local resident ID card and household registration book; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents need to provide birth certificates. The lender must have a stable and legal income, and at the same time, it must be able to provide corresponding income certificates. 2. After accepting the loan application before the first loan, the bank will conduct a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant. Through the pre-loan investigation, the bank will prepare the approval for the applicants who think they meet the loan conditions. 3. Buying insurance Usually, due to the relatively long term of mortgage loans, banks require buyers to apply for property insurance to prevent loan risks. 4. Sign a housing mortgage loan contract. After investigation and approval, a loan contract is signed. After the bank completes the registration and notarization procedures, it informs the applicant to take the contract and sign the housing mortgage loan contract. 5. Handle the transfer of house property rights. Both parties should go through the formalities of property ownership transfer at the 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, you need to submit a transaction evaluation report and copy the information. If you get three real estate sales contracts, you don't sign them. The blank space above the contracts needs to be stamped with the company seal (or signature) of the intermediary agency. Fill in a market transaction price after receiving the declaration form (submit the original title certificate and the original identity certificate). 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. 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, signature by handprint, issuance of acceptance certificate, and recovery of the original real estate license. Vouchers, rental fee receipts, transaction fees and boarding fees, and payment. After 5 working days, you will get a new real estate license with the license notice, original ID card and deed tax invoice. 6. After the mortgage registration formalities are completed, the bank will handle the mortgage and obtain other warrants within 7 days after the mortgage. 7, the bank loan trading center to produce a certificate, the bank to retrieve his right certificate, the bank loan. After the bank lends money, it needs to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency also needs to stamp the official seal on the second-hand house mortgage transfer confirmation. Regarding buying a house, we should have already introduced the process of handling commercial loans. I hope these can help people who don't know how to apply for business loans.
Legal objectivity:
Article 25 Application for loan: If the borrower needs a loan, he shall directly apply to the host bank or the agency of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; Two, the financial department or accounting (audit) firm approved the financial report of the previous year, as well as the financial report of the previous period to apply for a loan; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, and the certificate of consent of the obligee who has the right to dispose of the collateral and pledge, and the relevant documents of the guarantor's consent to the guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender.