2. If the borrower loses the loan contract before the bank mortgage, it is necessary for the borrower to declare the contract invalid. Three months later, he will apply for cancellation of the signed contract with relevant certificates, and then sign a new contract with the developer.
3. If the application for a loan to buy a house is a provident fund loan and there is no original house purchase contract, the borrower can also provide the information proof with the seal of the local house trading center.
What are the procedures in mortgage to buy a house?
1. First, sign a house purchase contract with the developer. At this time, it is necessary to check whether the developer has five certificates: state-owned land use permit, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit.
2. Then you have to pay the down payment, and pay attention to keep the down payment receipt.
You need to go to the bank to fill out the application form for personal housing loan. Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers.
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.
4. The credit personnel of the loan bank will 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.
5. The property buyer went to the Housing Authority to apply for the certificate of other rights of the house, which proves that the property 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. The above procedures will generally be handled by the bank.
6. Opening repayment account: Customers who choose entrusted deduction for repayment should 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.
7. Bank Payment of Loan: After the loan is granted with the consent of the lender, the lender will directly transfer the loan to the deposit account opened by the borrower at the lender, or transfer the loan to the deposit account opened by the seller in one lump sum or by stages.
8. The borrower in mortgage to buy a house must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can repossess the house according to law.
9. After the loan principal and interest in mortgage to buy a house are settled, you will cancel the mortgage registration and become the real owner of the house.