Mortgage refers to the legal documents provided by property buyers to the bank, such as ID card, income certificate, house sales contract, letter of guarantee, etc. At the same time, fill out the "Application for Housing Mortgage Loan". After passing the examination, the bank promised to issue loans to the buyer. Today, I sorted out related articles for you. Welcome to read and understand!
housing loans
What are the procedures for buying a house with a loan?
Information to be provided for individual housing loan: When applying for individual housing loan, the borrower should first fill in the Application Approval Form for Individual Housing Loan and provide the following information:
1. Borrower information:
(1) Legal identity certificate of the borrower;
(2) the borrower's economic income certificate or occupation certificate;
(3) Borrowers with spouses need to provide proof of husband-wife relationship;
(4) If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment responsibility of * * *;
(5) If there is a guarantor, relevant information of the guarantor shall be provided.
2. The purchased house information:
(1) Letter of Intent for the commercial housing sales contract or commercial housing sales (pre-sale) contract signed by the borrower and the developer.
(2) A copy of the down payment bank deposit slip and down payment receipt issued by the developer;
(3) Other documents or materials required by the lender.
Handling the mortgage registration procedures for individual housing loans: After the loan is approved, the purchaser shall sign a loan contract and a mortgage contract with the loan bank, and handle the mortgage registration procedures at the real estate management department under the jurisdiction of the Property Rights Office with the following materials:
(1) The original and photocopy of the ID card and marriage certificate of the buyer's husband and wife;
(2) Loan contract and mortgage contract;
(3) Real estate mortgage application review registration form;
(4) All purchase contracts;
(5) Other information required by the real estate department.
The time for real estate management departments to handle mortgage registration is generally 15 working days. After the mortgage registration formalities are completed, the mortgagor shall hand over the mortgage certificate of the faster house or the house ownership certificate issued by the real estate management department to the loan bank for safekeeping.
What procedures and conditions does mortgage to buy a house need?
1. The lender applies, fills in the Application Approval Form for Individual Housing Loan, and submits relevant materials according to the requirements of the loan bank.
2. After the approval of the loan bank, the lender will sign the Individual Housing Mortgage Loan Contract and other documents, and the lender will open a special repayment account at the same time.
3. The lender shall cooperate with the lending bank to handle the real estate mortgage registration formalities in the real estate registration center.
4. The loan bank will transfer the loan funds to the account specified in the contract.
Mortgage to buy a house condition
1. The lender has a stable economic income, a good credit record, the ability to repay the loan principal and interest, and provides authentic and credible income proof documents.
2. The sum of the loan application period plus the existing age shall not exceed 60 years of age.
3. If the mortgaged property is owned by * * *, one of them must be determined as the main applicant for the loan application, and the main applicant must meet the above conditions.
4. The sum of the service life of the mortgaged property and the mortgage life is generally not more than 30 years.
5. The borrower signs a real estate sales contract with the seller and pays a down payment of not less than 30% of the house price. Other conditions stipulated by the bank.
Matters needing attention in mortgage to buy a house
1. The information provided to the bank should be true: to apply for personal housing commercial loans, banks generally require borrowers to provide proof of economic income, and for individuals, they should provide true personal occupation, position and recent economic income. If you exaggerate your income level, once it is discovered, it will be difficult for banks to trust you again.
2. Apply for loan amount according to one's ability: When applying for personal housing loan, the borrower should make a correct judgment on his current economic strength and repayment ability, and at the same time make a correct and objective prediction on his future income and expenditure.
3. Try to borrow integers: bank loans are all integers and will not be brought to thousands. If you borrow 325,000 yuan, it will be difficult to get a loan, so try to choose 320,000 yuan or 330,000 yuan.
What are the procedures for buying a mortgage loan?
According to the relevant requirements of housing loan, you need to prepare a relevant income certificate. Whether it is a one-time payment or a loan to buy a house, you need: ID card, household registration book (or household registration certificate), marriage certificate (or unmarried certificate). If it is a loan to buy a house, you need proof of income. This certificate is just a piece of paper. Go to the account manager of the bank you need a loan to explain the situation, and he will give you this paper. Just fill it out and let the unit stamp it. When the documents are ready, go directly to the sales girl, and then she will tell you all the procedures, so you don't have to bother. Finally, you should make sure that the amount of the loan you repay each month can't exceed 50% of the wage income stated in the income certificate. For example, if your loan is 654.38 million yuan, which will be paid off in five years, then the monthly loan is about 1.700 yuan, so your monthly income on the income certificate should not be less than 3,500 yuan. Generally, developers will find good banks before selling uncompleted residential flats, and they are all large banks such as ICBC and Agricultural Bank of China. You don't have to find a bank yourself.