2. When handling mortgage loans, banks usually mortgage the property. The buyer's real estate license also has a mortgage registration mark and cannot be listed and traded. Remember to cancel the mortgage registration in time once the mortgage is paid off. At this time, the lender shall go to the local housing management department with the completed mortgage cancellation application form, house ownership certificate, house ownership certificate or mortgage certificate. Only in this way can we get full ownership of the house.
3. If you have already gone through the guarantee formalities in the guarantee company when applying for the loan, you need to go through the guarantee cancellation formalities in the guarantee company before going through the mortgage cancellation formalities after paying off the mortgage, and you need to get back the guarantee deposit paid at the time of guarantee.
What is the procedure for buying a house loan?
1. At this time, it is necessary to check whether the developer has "five certificates": state-owned land use certificate, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit. Pay the down payment, and pay attention to keep the down payment receipt.
2. When you go to the bank to fill out the application form for personal housing loan, the developer will generally sign a cooperation agreement with one or several banks, so it will be more convenient to go to the bank that has an agreement with the developer to handle the mortgage loan agreement. Bring the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts), income certificate and other originals and copies to the bank to fill in the application form for personal housing loan.
3. The bank shall review the mortgage loan application, and the credit personnel shall review and approve the materials submitted by the applicant step by step. If it is considered to meet the conditions of bank loans, the applicant shall be notified to sign a personal housing mortgage loan contract, and the contract period shall not exceed 30 years. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance.
4. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
5. The borrower must repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can recover the house according to law. After the loan principal and interest are settled, the mortgage registration is cancelled, and the buyer becomes the real owner of the house.
What should I do if the loan repayment is overdue?
1. If the house is overdue, you can apply to the bank to extend the loan period. Generally speaking, the extension of short-term loans shall not exceed the original loan term, the extension of medium-term loans shall not exceed half of the original loan term, and the extension of long-term loans shall not exceed three years. After the approval of the bank, a deferred repayment agreement can be signed. It should be noted that there is usually only one opportunity to apply for deferred repayment, and the longest after the extension cannot exceed 30 years.
2. If the mortgage cannot be repaid on time due to major changes, you can apply to the loan bank for loan extension 30 days in advance. After the bank verifies that it is correct, it will appropriately extend the mortgage term and reduce the monthly payment. In addition, the extension period can be decided by the borrower, but there is a maximum period limit, and the extension can usually only be applied once or twice.
If it is really difficult, there is no other way but to sell the house. You can find an intermediary company to advance the remaining loan (of course, the intermediary will charge a certain fee) or directly charge the buyer. Of course, selling a house can only be regarded as the worst policy, and it is recommended not to make it easily.