I. Conditions of the second-hand housing lender:
1, you must buy a house with a property right certificate on the state-owned land within the urban area of Changchun.
2. The room age shall not exceed 15 years.
3. The maturity date of the lender's loan shall not exceed the statutory retirement age (male 60, female 55).
4, have a stable job in this city, and can issue proof of income; Business people need industrial and commercial mortgage, tax registration and tax payment certificate for the past six months.
Second, the elements of second-hand housing loans
1, individual housing loan guarantee application approval form (in duplicate)
2. Identity cards, household registration books and marriage certificates of both spouses of the borrower.
(Unmarried mortgage, divorce certificate, divorce agreement, certificate of not remarried) (2 copies)
3. Two certificates of second-hand housing in Changchun.
4. Personal credit report (1 copy)
5. Copy of the original title certificate after renaming (2 copies) (3 copies)
7. Down payment, bill for renaming (2 copies) and transaction contract (2 copies)
Third, the cost of second-hand housing loans
1. Transaction cost: turnover × 2%. 2. Agency name change fee: 500 yuan. 3. Investigation service fee: 300 yuan.
4. Guarantee fee: loan amount × 1. 8% (1-4 years) loan amount × 2% (5- 10 years)
5. Notarization fee: loan amount ×2‰ 100 yuan 6. Mortgage fee: 500 yuan.
First, the provident fund loan conditions:
1, permanent residence in this city, units and individuals have continuously paid the provident fund in full 1 year or more. What can Tonggang five counties and Changchun do? 2. Second-hand houses must be purchased by loans on state-owned land within the urban area of Changchun City with property certificates. 3. The longest loan term is 10 year. 4. The mortgage of second-hand housing loans in Changchun shall not exceed 15 years. 5. The lender shall not exceed the legal retirement age (male 60, female 55) on the loan maturity date.
Second, the elements of provident fund loans
1. ID card, household registration book and marriage certificate of both husband and wife of the borrower.
(Unmarried people should have unmarried certificates, and divorced people should have divorced unmarried certificates) (4 copies)
2, provident fund application form (35 sets)
3, the original Changchun second-hand housing loan mortgage title certificate (3 copies), renamed title certificate copy (4 copies)
4, individual housing provident fund (portfolio) loan guarantee application approval form (4 copies)
5, personal income and housing provident fund deposit certificate (2 copies have been filed)
6. Personal credit report
7.3 down payment, mortgage of second-hand housing loan in Changchun, and bill transaction contract (3 copies)
Third, the cost of provident fund loans
1. Transaction cost: house price × 2%. 2. Agency name change fee: 500 yuan. 3. Investigation service fee: 300 yuan.
4. Guarantee fee: loan amount × 1. 8% (1-4 years) loan amount × 2% (5- 10 years)
5. Notarization fee: loan amount ×2‰ 100 yuan 6. Mortgage fee: 500 yuan.
Changchun second-hand housing loan process
As a second-tier city in China, what are the relevant regulations for second-hand housing loans in Changchun? Do you know what the second-hand housing loan process in Changchun is like? Is this loan process the same as other cities? Please browse the following contents to understand the second-hand housing loan process in Changchun, hoping to help you understand this information.
Changchun second-hand housing loan process
1. Determine the mortgage service company and loan scheme.
Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and consult with the mortgage service company to determine the loan plan.
2. Inquire about provident fund (if provident fund loans are needed)
After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term.
3. Sign a house sales contract.
The borrower and the seller sign a house sales contract through an intermediary company.
4. Prepare loan information and review loan eligibility.
The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit.
5. Sign loan agreement, notarization and insurance.
The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees.
6. Handle the house transfer and mortgage procedures.
The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.
7. Apply for real estate license and mortgage certificate.
After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your real estate license and the original of other rights certificates to the bank.
8. Bank loans
After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.
(The above answers were published on 20 15-06-27. Please refer to the actual situation for the current purchase policy. )
When buying a new house, go to Sohu Focus.
Changchun second-hand housing transaction process
In recent years, new houses in some big cities are relatively tight, and the second-hand housing market has also become tense. Second-hand housing is relatively cheap and has become the first choice for many people. So what is the transaction process of second-hand houses in Changchun? Here is an introduction.
Changchun second-hand housing transaction process
1, sign a contract to see the house.
Buyers go to the field to inspect the house. After seeing the house with satisfaction, the two sides signed a house sales contract.
2. Pay the house price according to the contract.
At present, the second-hand housing payment methods mainly include one-time payment and mortgage payment. One-time payment requires the trust of both parties and sufficient funds to buy a house. This payment method can only be used if the seller's five mortgage loans can be delivered immediately. This payment method is to pay part of the deposit according to the transaction progress, and then pay most of the house price after the transfer is completed, and then pay the balance after the house is handed over. Mortgage payment needs to go through the formalities in the bank. After paying the corresponding down payment, the remaining house payment will be credited to the seller's account by stages.
3. Determine the time and conditions of delivery.
The delivery of the house is usually carried out at the same time or later. If there is no special agreement between the two parties, buying a house is usually equivalent to obtaining the house key and handing over the house. Both buyers and sellers should ensure the delivery of the house. The seller needs to empty the house, can't leave big pieces of furniture, and pay the utilities at the same time.
4. Transfer of ownership
The buyer and the seller go to the real estate trading center to handle the relevant transfer and renaming procedures, and at the same time pay the corresponding taxes involved in the transfer. At the same time, there are relevant agreements on the removal of the seller's account.
5. The buyer receives the real estate license and carries out the final acceptance of the house.
What should I pay attention to when buying a second-hand house?
1, check whether the relevant documents of the house are complete.
2. Check whether the property right of the house is clear.
3. Check whether the transaction house is rented.
4. Whether the housing transaction contract of both parties is clear.
The above is an introduction to the transaction process of second-hand housing in Changchun, hoping to provide some help to everyone in the second-hand housing transaction, so that everyone can buy second-hand housing smoothly.