How to handle the loan for the second-hand house sale in Daqing Industrial and Commercial Bank
First, apply to the bank for the loan for the second-hand house sale. After the bank accepts the investigation, you can go through the following procedures in line with the loan conditions:
1. The buyer and the seller must first sign a house purchase agreement, and then the buyer must pay a part of the down payment (the house must be appraised by the appraisal company first, and then the loan is made according to the maximum 7% of the total amount). )
2. Go through the transfer formalities after paying the down payment, and go to the real estate bureau for mortgage registration after the house is transferred to your name. After the house is mortgaged to the bank, the bank will issue loans to the seller's name.
3. repay the bank loan on schedule.
4. After the loan is fully repaid at maturity, the mortgage registration shall be cancelled.
what is the loan process of Daqing second-hand housing provident fund
The loan process of buying second-hand housing provident fund:
1. Loan consultation
2. Submit application
3. Sign contract
After the loan bank accepts the information of the loan applicant, the borrower and the loan bank sign the loan contract, mortgage contract and other relevant loan documents.
4. Transaction transfer
The buyer and seller of the house go to the Real Estate Bureau and the Land Bureau to handle the transfer formalities of the house "two certificates" transaction.
5. Handling mortgage
The loan bank or borrower goes to the real estate bureau to handle the mortgage registration
6. Lending
The provident fund center directly transfers the loan funds to the deposit account of the seller through the loan bank.
7. Repayment on a monthly basis
The borrower shall repay the principal and interest of the loan as agreed in the Loan Contract the next month after the loan is issued, until the loan is fully paid off. When the borrower pays off the remaining loan for the last time, he should go to the loan bank in person and go through the repayment settlement procedures at the bank counter.
8. Cancellation of mortgage
After the borrower has paid off all the principal and interest of the loan, he will go through the mortgage registration and cancellation procedures at the real estate mortgage registration department with the loan settlement certificate and the house mortgage cancellation certificate issued by the loan bank.
Daqing second-hand housing loan interest rate
This question is simpler if you work formally in Daqing, or invest in Daqing. If not, it seems very difficult to get a loan directly from the bank. Of course, you can try it! The procedure is also very cumbersome! Lending time is long!
Foreigners can buy a house in Daqing and get a loan! At present, there are two ways to operate. First, you pay the full amount to buy a house, and then you make a second-hand mortgage loan! 2. If you have some money, you can cooperate with our company, and my salary will advance the rest for you, and then make a house loan!
The loan amount is determined according to the age, location, area and appraised price of the house!
for example, how much can I borrow for a 5, house?
how much can I borrow for a 3, house? This is definitely different!
our company doesn't need mortgage or guarantor for the time being, and the interest rate of the loan is subject to the interest rates of banks! You determine the repayment period and the repayment amount of the loan according to your personal economic situation!
If you are interested, you can leave your contact information! If you just ask, forget it!
how long can the second-hand housing loan in Daqing come down?
Generally, the second-hand mortgage that meets the requirements can be approved in about 7 working days, and the process is as follows:
1. After the buyer and seller negotiate the house price and sign the contract, they need to bring their identity certificate, house ownership certificate, land certificate or copy, household registration book, marriage certificate, sales contract and approval form for ownership transfer to the housing management department for online signing, and then go to the bank to sign a loan contract and apply for a loan;
2. Take the above materials to the tax department of the housing management department to go through the formalities of property right transfer registration and tax payment, obtain the property right certificate, and then go through the mortgage registration together with the bank credit personnel, and then withdraw the loan from the bank.
How to handle the second-hand housing mortgage loan
With the continuous operation of the modern capital chain, the second-hand housing loan has become one of the important ways of bank mortgage loan, so how to handle the second-hand housing mortgage loan? Maybe many friends are not particularly clear about the process. Let's take a look at the relevant knowledge! I hope it will help everyone.
1. Preparation materials
First, determine the loan bank, prepare the loan materials, apply for a loan (the bank's running account within one year must meet the conditions and be calculated according to the loan amount), collect and fill out the application form for second-hand housing mortgage loan, and submit it to the relevant staff for review.
II. Appraisal
The real estate appraisal agency goes to the housing office for appraisal, and then issues an appraisal report to the bank. This stage takes about 3-5 working days, depending on the agreement. The transaction party is required to pay the evaluation fee.
iii. signing the contract
both parties signed the second-hand housing mortgage loan contract and notarized the second-hand housing, and began to apply for mortgage registration.
IV. Bank Approval
The loan bank will conduct qualification examination according to the materials submitted by the lender. If it meets the requirements, the bank will conduct examination and approval on the loan amount and term according to the appraised house price and the qualifications of the comprehensive lender. The approval process usually takes about 5 working days.
v. After the approval of transfer and loan
, the buyer pays the down payment of the house. With the down payment certificate, the mortgage application issued by the bank and other materials to handle the transfer of housing property rights. Then go through the mortgage registration and insurance procedures for second-hand houses, and after the buyer receives the real estate license, go through the mortgage registration and insurance for real estate. Call the designated account by transfer. In this way, the second-hand housing mortgage loan will be successfully handled, and the buyer will repay the loan on schedule according to the contract.
conclusion of the article: before going through the formalities of second-hand housing mortgage loan, you should know your own economic situation and banking policy. There is also a second-hand housing loan amount based on the lower price of the original value and the evaluation value, so it is necessary to consult the bank in advance whether there is a designated evaluation agency before lending.
What are the loan procedures for second-hand houses in Daqing?
Second-hand housing loan is to apply for a loan from the bank with the second-hand house you bought as collateral.
the easiest way is to find an intermediary company. The cost is generally 1%. You can also talk to the intermediary specifically.
The procedures for self-service loans are as follows:
The steps are as follows.
1. Go to the housing management office to inquire about the housing situation and whether the mortgage registration has been done.
2: it is necessary to consult the banks in charge first, and it is easier for small banks to release funds.
3: when all this is done, you can sign a contract with a deposit and then transfer the ownership.
4: apply for a loan from the bank with the receipt that was also available at the housing exchange when the transfer was made, and submit the information needed by the bank.
5: The bank reviews the information, and then asks the appraisal company to appraise the price of the house.
6: the bank lends money to the seller. Note that it is directly to the bank card of the seller.