What is the process of second-hand housing mortgage loan

The conventional process of second-hand housing mortgage loan is divided into seven steps, and the specific process is as follows: 1. Bank credit investigation (go to the People's Bank to check the buyer's credit information); 2, housing property survey (survey whether the property is mortgaged, sealed up, property analysis, inheritance, * * * owner); 3. Pay the down payment to the seller and reserve the balance of the house; 4. When the house is transferred, the bank will review the loan conditions; 5. The bank issues loans to the seller's account; 6. Both parties shall deliver the property together (water, electricity, gas, heating and property fees, and the original owner's account must be moved out); 7. Pay the final payment to the seller. The buyer will investigate the property rights of the house. To examine the integrity, authenticity and reliability of the property right, we should pay attention to whether the owner's name on the property right certificate is consistent with the seller, whether there is mortgage or someone.

Second-hand housing mortgage loan process

Submit materials and apply on the first day

The buyer and the seller bring all relevant materials and go to the bank. Receive and fill in the application form for personal loan of second-hand house, and submit all materials to the staff for review after filling in.

the staff will make a preliminary evaluation of the materials and give the approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency to inspect the house for evaluation.

appraisal on the 2nd-7th day

According to the agreed time, the real estate appraisal agency went to the property office for appraisal. After the completion, the evaluation agency will issue an evaluation report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can usually be completed within 3-5 working days. The counterparty is required to pay the 5 yuan assessment fee.

{ This normal step can be omitted, and the evaluation fee is not required }

Bank approval on the 8th to 1th day

The bank will review the qualifications of the loan applicant, and after meeting the requirements, the bank will approve the loan amount and term according to the appraisal price of the house and the qualifications of the lender.

The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, and the approval speed is fast, and each business can be completed in 1-2 days.

pay the down payment on the 11th-31st day, and handle the transfer.

After the approval, the buyer will pay the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of house property rights with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 2 working days.

on the 34th to 35th day, the house property mortgage registration and insurance formalities will be completed, and the bank will lend money.

After the buyer receives the real estate license, the house property mortgage registration and insurance will be completed, and the insurance premium will be about 2, yuan. Then, after the loan is issued, the bank will deposit the house money into the seller's account, and the buyer will start to repay the current period on schedule according to the contract.

Extended information:

The specific procedures for property buyers to apply for real estate mortgage are as follows:

(1) Property buyers who want to obtain real estate mortgage services should pay attention to this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

(2) After the buyers who apply for mortgage loans confirm that the property they choose is supported by the bank mortgage, they should learn about the bank's regulations on mortgage loan support for buyers from the bank or the law firm designated by the bank, prepare relevant legal documents, and fill in the Application for Mortgage Loan.

(3) The bank that signed the house purchase contract received the legal documents related to the mortgage application submitted by the buyers, and after examination, it confirmed that the buyers met the conditions of mortgage loan, it issued a loan consent notice or a mortgage loan commitment letter to the buyers. Property buyers can sign the "Pre-sale and Sales Contract of Commercial Housing" with developers or their agents.

(4) After signing the house purchase contract and obtaining the proof of paying the house price, the buyer will sign the Building Mortgage Loan Contract with the developer and the bank with the relevant legal documents stipulated by the bank to clarify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

(5) mortgage registration, insurance buyers, developers and banks shall go to the real estate management department for mortgage registration and filing with the Building Mortgage Loan Contract and the house purchase contract. For faster delivery, the mortgage registration shall be changed after completion.

under normal circumstances, due to the relatively long mortgage loan period, banks require buyers to apply for life and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance.

insurance shall not be interrupted during the loan performance period, and the insured amount shall not be less than the total value of the collateral. Before the principal and interest of the loan are paid off, the insurance policy is handed over to the bank.

(6) Opening a Special Repayment Account After signing the Building Mortgage Loan Contract, the buyer will open a special repayment account in a financial institution designated by the bank and sign a power of attorney.

authorize the institution to pay the bank's loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions.

perform the obligations agreed in the Building Mortgage Loan Contract. After going through the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser.