materials needed for housing loan by law
1. The auction materials include the bank credit information of the bidder and his spouse, and the bank has been running for one year.
2. ID card, household registration book, marriage certificate (or divorce certificate).
3. Work certificate, income certificate, real estate certificate or no room certificate, and auction deposit payment certificate.
mortgage loan process by law
1. loan prequalification
before the auction, the borrower's loan qualification is confirmed, and then the ID card, household registration book, marriage certificate (divorce certificate/divorce agreement), income certificate, bank flow, self-examination detailed version of credit report are prepared, and the prequalification materials that need to be submitted to the bank are improved according to professional opinions. Confirm the loan percentage and loan qualification through the above materials.
2. Loan guarantee letter
After the judicial auction, if the buyer fails to obtain the legal documents, the bank shall guarantee the loan with the guarantee letter issued by the guarantee company before the mortgage is implemented. Therefore, after the bank loan is approved, it needs to go to the cooperative guarantee company, sign the guarantee agreement and pay the guarantee fee, and the bank needs to receive the guarantee letter issued by the guarantee company before lending.
3. Face-to-face review at the bank
After the successful auction, go to the bank for face-to-face review, verify all the original and copies of the above borrower's information, and submit the production adjustment form, the auction deposit transfer voucher, the auction transaction confirmation and the copy of the bank card. The appraisal company for bank access issues an appraisal report, and once all the above materials are approved, the qualification for obtaining the loan and the corresponding amount will be confirmed.
4. Bank loan approval
After the auction is completed, the down payment shall be paid to the collection account designated by the court within the specified time limit. On the premise that the guarantee procedures have been completed and the letter of guarantee has been obtained, the bank will make the final payment and directly transfer the loan amount to the court account.
5. coordinate the unsealing, decompression and transfer of ownership
unseal the property and go through the formalities of unsealing in the court. The final payment of the bank shall be paid into the account of the court, and the relevant original receipts shall be kept, communicated with the relevant personnel of the executive board of the court, and the formalities shall be handled. Make sure to get four books: confirmation of auction, civil ruling, assistance in execution and tax cooperation. Go to the Housing Authority, Archives Bureau, Real Estate Administration and other departments to release the property. After paying all kinds of taxes and fees, complete the transfer procedures according to (auction success documents, court unsealing documents, tax payment vouchers), and take over the house after officially obtaining the real estate license.
6. Go through the mortgage registration
Get the property certificate and go through the mortgage registration. After the bank has completed the filing formalities after receiving the other warrants, the purchaser will go to the bank to receive the loan contract and the copy of the property right certificate with the original ID card, and the third party's guarantee responsibility will be lifted and repayment will begin.