1. The buyer and the seller shall report to the real estate registration and trading center and make rounds.
2. The buyer and the seller shall provide relevant materials and evaluation reports (second-hand housing evaluation institutions approved by the loan undertaking bank) to sign the sales contract of the stock house in person at the housing provident fund management department to obtain the materials needed for the loan.
3. The buyer goes to the loan undertaking bank to handle the "down payment transaction fund custody". If the funds are not managed, the original payment voucher for the paid house purchase price (including the seller's statement that the down payment has been received) shall be submitted directly.
4. The loan applicant submits the materials required for the loan to the provident fund window.
5. After the approval of the housing provident fund management department, the undertaking bank informs the loan applicant to sign the loan contract in person.
6. The undertaking bank shall go through the mortgage formalities.
7. After the mortgage is issued, the loan will be issued.
8. The lender shall repay the loan principal and interest on time.
# Step 1: Buy a house with clear property rights and choose a real estate transaction agency that can handle mortgage loan business to handle agency matters.
Step 2: The buyer and the seller must provide relevant information. Among them, the materials that the buyer (lender) must provide include: household registration book, ID card, education certificate, proof of marital status, house purchase agreement signed by the buyer and the seller, income certificate of husband and wife (unit income certificate), other property certificates including deposit certificate and securities, and two recent photos of husband and wife; The information provided by the seller includes: ID card, household registration book, proof of marital status, proof that both husband and wife agree to sell, proof of property right of the house sold, and proof of approval for listing.
Step 3: Go to the law firm designated by the bank and fill in the application form for second-hand housing mortgage. The lawyer will submit all the supporting materials to the bank for loan approval and pay 4% of the value of the house purchased. Attorney's fee.
Step 4: The bank will complete the loan approval within 15 working days, and issue a loan commitment letter if it agrees to lend.
Step 5: The buyer and the seller go to the real estate transaction management department of the real estate bureau where the house is located to handle the transfer procedures of the ownership of the house.
Step 6: After receiving the sales contract, send it to the bank, and the bank will transfer the money.
Step 7: Go to the Real Estate Bureau for mortgage registration, and the borrower will repay the interest on a monthly basis.
According to the above seven steps, you can handle your loan smoothly, and wish you a smooth purchase.
# Flowchart of Second-hand Housing Loan
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!