To handle the loan procedures, you need to apply for a loan from the bank and submit a loan application to prove that you meet the loan requirements. The lender will review it, sign a loan contract, and issue the loan to on the applicant's account. So, what are the Postal Savings Bank loan procedures for second-hand housing transactions? In order to let you better understand the law, the editor of Legal Express has compiled relevant content, let us take a look together.
The first step: To buy a house, you must have clear property rights and choose a real estate agency that can handle mortgage loans on your behalf.
Step 2: Buyers and sellers must submit relevant information. Among them, the home buyer (borrower) needs to submit the household registration book, ID card, education certificate, marital status certificate, house purchase agreement signed by the buyer and seller, husband and wife income certificate (unit income certificate), and optionally provide deposit certificate, Proof of property such as securities, two recent one-inch photos of each spouse; the seller needs to submit ID card, household register, marriage status certificate, proof that the couple agrees to sell, proof of property rights of the house being sold, and proof of listing permission.
Step 3: Go to the law firm designated by the bank to handle the second-hand house mortgage registration procedures. The lawyer will hand over the relevant materials to the bank for loan application and pay the purchase price of the property 4. Attorney's Fees.
The fourth step: The bank will process the loan approval within 15 working days. If approved, a guarantee letter will be issued.
Step 5: The buyer and seller should go to the real estate transaction authority where the property is located to handle the transfer of property rights.
Step 6: After obtaining the sale deed, hand it over to the bank, which will transfer the money.
Step 7: Go to the Real Estate Bureau to apply for a housing mortgage loan, and the borrower pays interest every month.
Because buying a house involves a lot of money, when buying a house, it is best to go to a regular real estate agency to avoid falling into the trap of others.
What are the requirements for a loan? To estimate the loan amount, you can use the contract price × 85 to estimate the approximate appraisal price. The following conditions must be met to buy a house with a loan. First, natural persons with civil capacity.
Second, (the developer) has permanent residence or valid residence status in the town.
Third, a stable career and income, good credit, and loan service capabilities.
Fourth, enter into a contract or agreement to purchase a house.
Fifth, for buyers without housing subsidies, the purchase price of the house should not be less than 30 RMB as a down payment; for those who receive housing subsidies, the 30 RMB personally borne part should be used as the down payment for the home purchase.
Sixth, assets recognized by the lender as mortgage or pledge, or units or individuals with sufficient compensation capabilities.
Seventh, other conditions stipulated by the lender.
The above is about the postal savings second-hand housing loan process. To apply for a loan, you need to apply for a loan from the bank, submit a loan application, and prove that you meet the loan requirements. I hope this article can bring you some help.