Step 1: Sign the contract, in which the buyer and the seller sign the purchase and sale contract of Shenzhen stock house designated by the Construction Committee and the Industrial and Commercial Bureau;

The second step is to sign a loan contract. When the buyer and the seller sign a loan contract at a bank outlet, both the buyer and the seller and the husband and wife need to be present at the same time and bring all the above materials, and the buyer also needs to prepare a down payment;

Step 3: Evaluation: CITIC arranges an evaluation company to conduct on-site evaluation, and the owner can cooperate;

The fourth step is to sign an online contract. The signing core appoints a special person to accompany both parties to the online signing window of the Construction Committee, and the online signing price should ensure the customer's loan requirements;

Step 5, audit: the bank conducts audit according to the materials provided by the buyer and the seller, combined with the evaluation report and the online contract signing;

Step 6, approve the loan, decide whether to approve the loan and the loan amount, and issue a loan approval commitment letter;

Step 7: Transfer: Before signing the contract, the buyer and the seller need to submit a large amount of property fees in advance before they can arrange the registration and transfer of property rights; On the day of transfer, you need to pay various taxes and fees to the local taxation bureau according to the transaction amount of the online contract. On the same day, the buyer can receive the license notice issued by the Construction Committee and the deed tax ticket issued by the Local Taxation Bureau;

Step 8: Lending: The bank promises to lend money to the seller within 3 working days after the transfer is completed;

Step 9, hand over the house: after the transfer is completed, both parties hand over the house, usually on the day of transfer, and special circumstances can be negotiated by both parties;

Step 10: Get the house ownership certificate. Generally, you can get the house ownership certificate within 10 working days after the transfer is completed, which varies from district to district.

Step 11: mortgage registration. After the transfer, the buyer shall cooperate with the bank to handle the mortgage registration procedures and hand over the original mortgage registered house to the buyer.