Yes, you need to make a notarized power of attorney. You can apply for a unilateral power of attorney or a two-party power of attorney contract. It is necessary to provide the identity certificate of the client and trustee, marriage relationship certificate, real estate certificate, etc., and go to the notary office in person to handle it. The notary office will record the conversation, record the relevant content, entrusted matters, authority, etc., and issue a notarial certificate. There are ready-made formats for commissioned notarization, and the notary can just make them.
How long does it usually take to apply for a home loan?
The time for property appraisal is generally within 3 working days; the time for bank approval is generally 7 working days, but this time is It can be shortened; the maximum time for issuing the real estate certificate is one month; the maximum time for real estate mortgage is one month. If it is a provident fund loan, the loan review stage will take longer than that of a commercial mortgage loan, up to 2 months, and generally 1 month, subject to local regulations.
What materials are needed for a home loan?
Different loan types require different procedures. Generally speaking, they require ID cards, household registers, marriage certificates, income certificates, and wages. Flowing water etc. It is understood that some local commercial banks do not accept individuals applying directly to the bank for personal mortgage loans. Intermediaries or some professional institutions directly interface with the banks and handle them centrally. As for the specific procedures for provident fund loans or combination loans, you can directly consult the local housing provident fund management center.
Housing mortgage loan application conditions:
1. A natural person with full civil capacity, aged between 18 (inclusive) and 55 years old (inclusive);
2. Have legal and valid identity certificate (resident ID card, household register or other valid identity certificate) and marriage status certificate;
3. Have good information records and willingness to repay;
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4. Have a stable source of income and the ability to repay the principal and interest of the loan in full and on time;
5. Have a commercial housing sales (pre-)sale contract or letter of intent for the purchased housing;
6. Have the ability to pay the down payment of the purchased house; if the newly purchased house is used as the maximum mortgage, it must have a legal and valid house purchase contract, the house must be within 10 years old, and have or have paid no less than A down payment of 30% of the total price of the house purchased; if a house mortgage loan has been purchased and applied for, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the house used as mortgage has been obtained House ownership certificate, house age within 10 years;
7. Valid guarantee approved by the lender;
8. Other conditions specified by the bank.
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