2. The buyer needs to provide: ID card, household registration book, marriage certificate or divorce certificate+divorce agreement or court judgment (only for married or divorced people), income certificate, bank flow within 6 months, loan bank savings card, and submit the purchase contract at the same time, that is, the stock house sales contract.
There are three points to note here: the bank will check the property under the name of minor children. If the purchaser's household registration is in Beijing, his minor children have 1 apartment, and the purchaser also has 1 apartment. If the purchase restriction is exceeded, the bank will not lend.
4. Banks also have clear requirements for borrowers' income. If there are other loans in the borrower's name, the monthly income requirements are as follows:
5. Monthly income = (original monthly repayment amount+current monthly repayment amount) X2.
6. If the purchaser has divorced, the house address in the divorce agreement is inconsistent with the actual loan house address, and it is necessary to issue a certificate to the property where the community is located to prove that it is the same house address.
7. The bank's appraisal of the house applying for loan.
8. General banks will be evaluated by professional institutions.
9. Bank approval. After the approval, the bank will issue a loan approval letter to prove to the seller that the bank agrees to lend to the buyer, and the seller can safely transfer the house to the buyer.
10, after the implementation of the transfer and real estate registration system, now, when transferring ownership, buyers and sellers only need to change the original real estate license to a real estate license at the real estate registration agency, and they can directly register the name of the purchaser on the real estate license.
165438+
12. Bank loan refers to the loan granted with the consent of the lending bank. After completing the relevant procedures, the lending bank will transfer the loan to the deposit account opened by the seller in the lending bank in one lump sum or in installments according to the loan contract.