First, sign a housing loan contract.
First, the buyer signs a house sales contract with the owner, and then the buyer pays the owner's account.
Banks generally do not handle personal loans. Therefore, it is necessary to apply for a mortgage loan from a loan bank through a professional housing guarantee company, and provide proof documents that must be submitted according to legal documents such as ID card, income certificate, house sales contract and guarantee letter.
After passing the examination, the loan bank promises loans to the buyers, according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. After the notarization of mortgage registration is completed, the bank will directly transfer the loan funds to the seller's bank account within the time limit stipulated in the contract.
Second, the classification of housing mortgage loans
1, commercial loan
Personal commercial housing loans refer to loans granted by loan commercial banks or housing savings banks to individuals who purchase self-operated commercial housing or ordinary residential housing for their own use. The borrower will mortgage the purchased property to the bank as a guarantee to repay the loan on time.
2. Provident fund loans
Property buyers and owners need to open separate accounts in banks. Generally speaking, the owner's money is used to collect money, the buyer's money is used to repay the loan, and then the mortgage lender (bank) goes through the formalities, and then the bank conducts on-site evaluation.
3. Portfolio loan
Refers to the applicant who applies for both commercial loans and provident fund loans when buying a house. When the amount of provident fund loan applied by the applicant at the time of purchasing a house cannot meet the amount that the applicant should borrow from the bank, the difference will be made up by commercial loans.
Three, the bank agreed to loan notice
After reviewing the applicant, all levels of banks will pass the examination and approval of second-hand housing mortgage loans. Generally speaking, the second-hand housing mortgage loan approval will specify the loan amount, term and interest rate agreed by the bank.
Fourth, sales and delivery
It is best to apply for daubing and delivery at the same time, which can save time. Generally speaking, the cancellation of mortgage is to repay the bank loan and then cancel the registration of real estate mortgage.
The application for transfer of property rights refers to the information provided by the buyer and the seller, which is submitted to the housing exchange for review, and the receipt is obtained after review. The bank informs the owner to get the property right certificate, prints the online signing contract (pre-signed online in advance), and then daubs and submits it on the same day to issue a tax bill.
Verb (abbreviation for verb) Transfer after paying taxes.
The submitted application has been successfully reviewed and a receipt has been received. The house can only be transferred if the tax is paid according to the regulations. In the trading center, buyers and mortgage agents check the number of documents, pay deed tax, personal income tax, business tax, land transaction service fee, property registration fee, issue purchase invoices and issue receipts (the date of the new certificate will be indicated above).
Sixth, the new certificate
After online signing, transaction delivery, duty-paid transfer and second-hand housing transfer registration, the real estate transaction registration center will issue a new property right certificate. Property buyers bring their ID cards and mortgage agents to the trading center, pay a few dollars of stamp duty, stamp the stamp duty, check the ID card information, and then get a new property certificate.
Seven. put forward
The transaction registration department shall deliver the files to the municipal housing archives for filing, and file and provide them for use. Property buyers can check the filing progress on the website of the Housing Authority with the registration number of the new property right certificate, and find that the file has been processed and can be used, indicating that it has been filed.
Eight, into the charge
Housing mortgage registration refers to the mortgage of houses and related rights and interests to banks at a certain right value. Generally speaking, after the bank establishes a relationship with the borrower, it provides relevant information to the housing registration authority to register other rights of the house.
Buyers and mortgage agents are in the trading center. You should bring your husband and wife's ID card and photocopy, property right certificate, pledge registration fee, and take photos by handprint and camera. The trading center has received the pledge information and issued a receipt (which will indicate the pledge date).
Nine, provident fund loan approval
Generally speaking, the provident fund management center will approve the loan according to the mortgage loan contract between the bank and the buyer provided by the buyer. However, please note that commercial loans do not require provident fund loan approval.
X. loan
According to the house sales contract provided by the buyers and the mortgage loan contract signed by the bank and the buyers, the house mortgage registration is carried out and the house ownership certificate is issued. Then transfer the lent funds directly to the account of the original owner in the designated bank.
Xi。 Close the house
Delivery of the house by the buyer and the seller, including: turnkey and access card; Including furniture, home appliances, maintenance funds, etc. Attached to the contract; Handling ancillary houses includes water, electricity, gas, cable TV, management fee transfer, bank deduction account change and expense settlement.
Here is a reminder: in the case that property management has been completed, it is necessary to copy the readings of water and electricity meters in advance; Cable TV network needs to go to the provincial cable TV station; The electricity bill transfer needs to go to the power company to change the electricity bill deduction account for next month.