Housing reform loan process
1. The purpose, amount and term of the loan proposed by the borrower;
2. Preparation of loan materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required; Including: my spouse's ID card, household registration book, income certificate, personal consumption contract and marital status certificate; Property ownership certificate, owner's and spouse's ID card, household registration book and proof of marital status.
3. look at the house. Conduct on-the-spot investigation, evaluation (survey) and valuation of mortgaged houses by relevant institutions;
4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the bank for approval;
5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;
6. Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract;
7. Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).
Matters needing attention in purchasing housing reform
1, it is necessary to verify whether the original property owner has the property right certificate.
Verify whether the property right certificate of the housing reform is reliable and whether it is used for mortgage, pawn, etc. It can be seen at a glance through the inspection of the housing management department. If someone uses various excuses to explain that they can't get the original title certificate and can only give a copy, then they should be vigilant to prevent being deceived.
2. According to the regulations, under the same price conditions, the original property unit has the preemptive right.
Therefore, the listing of housing reform housing must be approved by the original property unit before resale. At the same time, it should be clear whether to confirm the way of interest distribution with the original property right unit. What needs to be pointed out in particular is that the public houses produced by the military, the hospital and the school are generally in the same compound as the office buildings of the unit. These units are generally classified as special units, and some may not be suitable for outsiders to live in. Such public houses cannot be listed without the consent of the unit. Property buyers should make necessary inquiries to distinguish between true and false.
3. Confirm the exact area of the title certificate.
It should be understood that it includes building area, usable area and actual indoor area. Property certificate generally indicates the construction area inspected by relevant departments. Confirm whether the purchased house is private. If the house is built by the landlord privately, it is an illegal building and is not protected by law.