You can mortgage, but you can't apply for provident fund mortgage. All you can do is general materials, some work documents and real estate certificates. Pay the down payment, OK.

2. What is the Haikou-mortgage to buy a house process?

Stable economic income.

3. Is Haikou restricted from buying a house in full?

Haikou implements the policy of buying a house in full, that is, a family can only enjoy the qualification of a full house in Haikou. According to Haikou City's Regulations on Full Purchase Restriction, the average family can't buy, sell, lease or use more than 1 apartment in Haikou City at the same time. Under special circumstances, if you have multiple houses when you get married, you will still go through all relevant procedures according to laws and regulations.

4. What is the mortgage to buy a house process? What details should I pay attention to?

Hainan has always been a popular place for northerners to buy houses. Most buyers will choose mortgage loans when buying a house. What is the process in mortgage to buy a house? What details should buyers know?

First, the definition of commercial housing mortgage loan

Commercial housing mortgage loan refers to the loan issued by the lender to the borrower for the purchase of owner-occupied housing. When the lender issues the loan, the borrower must have paid the down payment of the specified proportion of the house purchase, and take the purchased house as collateral. Before the issuance of the real estate license and mortgage registration of the purchased house is completed, the seller shall provide joint liability guarantee and undertake the repurchase obligation.

Second, the housing mortgage loan process

1. The developer proposes the cooperation intention of mortgage loan to the loan bank;

2. The loan bank will sign a mortgage loan cooperation agreement with the developer after investigating and reviewing the projects developed by the developer, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status;

3. The buyer signs a commercial housing sales contract with the developer and pays the required down payment according to the contract requirements;

4. Within seven days from the date of voluntary payment, the buyer shall provide the information required by the mortgage bank, and the buyer shall directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank;

5. The loan bank investigates and reviews all aspects of the purchaser's situation and procedures, and goes through the preliminary procedures with the purchaser (including the purchaser's spouse) after meeting the requirements, including loan application, * * * * repayment form, commitment letter, conversation record, loan contract, IOU, etc. Then the purchaser opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval;

6. The loan application approval period is generally 7 days. For overdue, the developer should dock with the bank in time, understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time;

7. Handling of problem customers:

(1) If the buyer at the application stage applies to cancel the mortgage loan for his own reasons, the buyer shall pay off the balance in one lump sum within 20 days from the date of cancellation;

(2) If the loan amount finally approved by the bank does not reach the total mortgage amount, the buyer shall make up the balance within 10 days from the date of bank approval;

(3) If the bank mortgage loan is not approved due to personal credit, identity, repayment ability and other reasons, the seller will not return the house. According to the actual situation, the first choice is to adjust the loan bank to apply again. If the application is unsuccessful, the buyer can be replaced, and the contract buyer can be replaced by someone who has family or relatives with the buyer. The marketing department shall timely apply for dissolution of the commercial housing sales contract and re-sign the contract. If the purchaser does not change the contract, the house payment shall be paid within 30 days from the date when the bank mortgage loan is not approved, and the breach of contract shall be implemented according to the relevant provisions of the contract;

(4) For customers who have failed to wake up with the loan bank for a long time to apply for mortgage loans, the sales staff will register by telephone, and if they fail to do so for three consecutive times (15 days), they will be charged liquidated damages according to the contract;

8. After the loan bank approves the buyer's loan, the company will issue a receipt and issue an invoice to the buyer based on the receipt;

9. In the future, as long as the borrower leaves enough repayment amount in the deposit account or bank card before the 20th of each month (quarter), the loan bank will automatically deduct it directly from the borrower's account and settle it in full at maturity;

10. After the loan is returned, the loan bank cancels the collateral and returns it to the customer.

(The above answers were published on 2015-12-13. Please refer to the actual situation for the current purchase policy. )

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