The process of buying a house by commercial loan is: audit, online signing, evaluation, face-to-face signing, tax payment, transfer, mortgage registration and loan.
1. What are the procedures for the buyer to participate in commercial loans to purchase second-hand houses?
Qualification examination: married families in Beijing can only own two houses, and single families in Beijing can only own one house; For households with registered residence in this city who already own houses (including newly-built commercial houses and second-hand houses), the sale of houses in this city will be suspended.
Pay attention to these six situations when investigating capital.
Online signing: the relevant terms of the stock house sales contract will be entered online in the signing system of the Housing Construction Committee, and the contract will be filed.
Houses that have been sealed up, affordable houses that have not been listed for five years, houses that have not been listed for centralized production, houses that have not applied for real estate licenses, houses that have not paid service fees to the company, and houses that have not passed the house verification.
Appraisal: The appraisal company recognized by the loan bank obtains the appraisal value according to the location and completion year of the house.
The appraisal fee for commercial loans is 600 yuan/time. The purchaser purchases the house through the chain store, and the appraisal fee is collected by the chain store and transferred to the appraisal company.
Face-to-face signing: the loan contract is signed on the day of face-to-face signing of commercial loans, and the borrower cannot get the loan contract on the same day and has to wait for the bank to lend money.
Bank loan approval letter: face-to-face transfer,/kloc-bank loan approval letter within 0/5-20 working days.
Tax payment: March, 2007 1, 2065438. All tax payment services must be booked through online pre-examination, and the application can be made after online signing, valid for 30 natural days.
Transfer: If the buyer cannot be present, a handwritten power of attorney must be provided;
Mortgage registration: After the house is transferred, you need to go to the Housing Construction Committee for mortgage registration. After the mortgage registration is completed, the Construction Committee will issue other warrants for the bank and stamp the mortgage registration stamp on the buyer's house ownership certificate.
Bank loan: Pay attention to the repayment date and amount of the loan bank to avoid overdue.
2. What procedures do the buyer and the seller need to go through to purchase a house with a cooperative commercial loan?
Verify the housing: if the houses traded are commercial houses, purchased public houses (non-central houses), affordable houses that have been bought for five years (the government has given up the repurchase), relocated or comfortable/settled houses, and houses managed by affordable houses (non-central houses), they can be listed directly, and other houses need to be listed first.
Face-to-face signing: The seller needs to cooperate with the bank to inquire about personal credit information.
Materials to be prepared for signing a sales contract
Tax payment: a power of attorney is required when not present.
Transfer: the seller can't be present and provide a notarized power of attorney. If the transaction house is delivered by the central government in the sixth district of the city, the seller shall provide the registration notice of the change of property right of the central government in Beijing.
The above provisions are established when the materials of the buyer and the seller are complete, excluding the time for supplementary materials.
This content only applies to Beijing.
How to buy a house with a personal commercial loan?
If you need to apply for a personal first-hand housing loan, you must meet the following conditions:
1. Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details);
2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
3, has signed a contract or agreement to buy housing;
4. Must pay the down payment of the purchased house that meets the requirements of relevant regulations;
5. Provide effective guarantee recognized by the lender, etc.
To apply for a personal first-hand housing loan, you need to submit the following information:
1, loan application;
2. Legal and valid identity documents;
3. Proof of marital status;
4. Proof that the down payment of the purchased house has been paid;
5. Proof of economic income recognized by the lender;
6, the purchase of housing contracts, agreements or other valid documents;
7. List of collateral (pledge) secured by the loan, certificate of ownership, certificate of consent of the person who has the right to dispose of the collateral (pledge) and collateral valuation documents;
8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him;
9. Authorize the lender to inquire about the personal credit information system of the People's Bank of China and record the relevant documents of the inquiry results.
As there are differences in policies and requirements for handling loans in different regions, please consult the local China Bank outlets in detail.
The above contents are for your reference. Please refer to the actual business regulations.
Commercial loan purchase process
For many working-class people, almost all choose loans to buy a house, which can alleviate their economic pressure. Loans to buy a house are divided into commercial loans and provident fund loans. What are the procedures for buying a house with a commercial loan? Next, Bian Xiao will introduce relevant contents to you. Let's have a look.
Commercial loan purchase process
1. Submit loan application: After the buyer and seller sign the house purchase contract, they can apply for a commercial loan from the bank. Whether it is a first-hand house or a second-hand house, all materials needed by Han Yin need to be submitted. The main materials include: the original and photocopy of household registration book, ID card, marriage certificate and other documents. If you are a foreigner, you need to provide a temporary residence permit; Proof of income, purchase contract, down payment invoice, bank's recent running water or assets certificate, etc.
2. The bank accepts the investigation: after receiving the loan applicant's materials, the bank will review the authenticity of the materials. The review time of commercial loans is generally fifteen working days, and the longest time will not exceed one month. In the process of bank audit, if materials are found missing and need to be filled, we should actively cooperate.
3. Bank verification and approval: The bank will verify the housing situation and the qualifications and credit of the loan applicant, which is an important link in the commercial loan process. If the applicant's credit is bad, the loan will be unstable, so we should pay attention to maintaining good credit.
4. Both parties shall go through relevant formalities: after the approval of the bank, notify the loan applicant to open an account in the bank, apply for a debit card, sign a loan contract, and go through relevant formalities such as mortgage, guarantee, pledge and insurance. When signing a contract, the loan applicant should clearly understand the contents of the contract, repayment methods and their rights and obligations, so as to avoid unnecessary.
Finally, the article points out that most loans to buy a house are commercial loans, which can reduce the economic burden of buyers and meet the demand for buying a house. However, there are many procedures for buying a house with commercial loans, and there are also many matters that need attention. Everyone must pay attention to applying for a commercial loan to buy a house.
So much about how to buy a house with a commercial loan.