The subjectivity of law: 1. What is the process of purchasing commercial housing by mortgage? 1. developer's real estate review process: when the real estate company applies, the bank requires the developer to submit the following information: 1, and apply in writing; 2. Company information: including business license, tax registration certificate, legal person code certificate, articles of association, loan card, account opening, company profile, certificate of legal representative or authorized agent, resolutions of shareholders' meeting, etc. 3. Project information: including qualification certificate of real estate development enterprise, construction land planning permit, construction project planning permit, construction project construction permit, state-owned land use permit, project budget information, pre-sale permit of commercial housing, etc. 4. Other information that the bank deems necessary. The main contents of the project investigation include whether the procedures are legal, whether the project funds are in place, the basic situation of the project, market prospects and benefits. On-the-spot investigation of the project, verification of information, writing an investigation report after the project investigation, submitting the investigation to the examination department, and signing the Cooperation Agreement on Personal Housing Consumption Loan Project with the developer after approval. (II) Personal mortgage purchase process: 1. Borrower's application: When the borrower applies for personal house purchase loan, the house purchased must be an existing house or auction house with a multi-storey main structure capped by senior management personnel with a total investment of more than two thirds. The borrower is required to fill in the individual housing loan form and provide the following information: (1) the borrower's identity certificate, including ID card or household registration book, etc. (2) Proof of marital status: the married person shall provide the marriage certificate or husband-wife relationship certificate issued by the marriage registration authority, and the unmarried person shall provide the unmarried certificate; (3) a down payment certificate of not less than 30% of the house price; It should be noted here that the down payment ratio of the first set of self-occupied housing with a construction area of less than 90 square meters shall not be less than 20%, and the down payment ratio of commercial facade shall not be less than 40%. (4) A legally binding commercial housing sales contract uniformly printed by the real estate department. (5)*** Proof that the owner agrees to use the purchased house as collateral; (6) Proof of the borrower's family property and economic income. If it belongs to the borrower's family members, all parties shall sign a confirmation letter of repayment responsibility, making it clear that one party is unable to repay and the other party will continue to bear the repayment responsibility. 2. Acceptance and investigation of the bank: The credit department receives the above information, investigates the authenticity of the information and the borrower's ability to repay the principal and interest of the loan, and determines whether to lend, the amount and duration of the loan. The main contents of the investigation include: (1) whether the down payment is fully deposited into the special account for selling houses opened in the credit union; (2) Whether the house price is reasonable and comparable to the local market price of similar property; (3) whether the loan term plus the borrower's age is over 60 years old; (4) Whether the mortgage guarantee is sufficient and effective, whether anyone has issued a legal document agreeing to mortgage, and if necessary, ask the borrower to provide a real estate appraisal report and other rights certificates. 3. Loan examination and approval: the loan examination department focuses on examining the authenticity of house purchase behavior to prevent borrowers and developers from colluding to defraud bank loans; Whether the price of the purchased house is equivalent to the local market price of similar real estate, and when necessary, an institution with real estate appraisal qualification can be entrusted for evaluation; * * * Whether anyone has issued a written legal opinion agreeing to mortgage; The borrower's ability to repay the loan principal and interest; After review by the loan review department, the loan amount and duration can be proposed, and individual housing loan contracts can be signed with borrowers and developers, which can be directly reported to the authorized approver for approval. When signing a loan contract, the agent bank should take the initiative to explain the terms of the contract to the borrower and guarantor. The borrower can only issue the loan after completing the formalities of home insurance, notarization and mortgage pre-registration. When the loan is issued, the loan officer fills in the loan slip, and the borrower signs it or confirms it by fingerprint. At the same time, the borrower signs the authorization of transfer and deduction, and the credit union directly transfers the money to the special account for selling houses opened by the developer in the credit union, and informs the borrower that the loan has been issued, and the developer issues a receipt. The Credit Department shall complete the data archiving within 10 working days after the loan is issued. 2. What problems should be paid attention to in mortgage to buy a house: (1) Check whether the property to be purchased meets the loan conditions, and remind the buyers to first understand whether the property to which the house to be purchased belongs has signed a contract with the bank and whether it belongs to the auction range that can be pre-sold. (2) Sign a house purchase agreement with the developer and pay the down payment. I would like to remind you that in order to avoid this, the agreement should specify how to deal with the deposit and payment method in case the bank does not agree to the loan, so as to avoid the loan not being approved and compensate the deposit. (3) After the loan is approved, you can sign a Real Estate Pre-sale Contract or a Real Estate Sales Contract with the developer, and follow up the transaction witness, and sign a house mortgage contract with the bank based on the pre-sale contract verified by the real estate exchange. Property buyers should see clearly whether the house they want to buy belongs to the house that can be purchased by mortgage before handling the loan. When they sign a house purchase contract with the developer, they must agree on how to deal with the outdated loan approval and avoid the emergence of laws. The content of the mortgage purchase process of commercial housing is arranged here for everyone.
Legal objectivity: what are the procedures for purchasing commercial housing by mortgage? (1) Process of reviewing the developer's property: When the real estate company applies, the bank requires the developer to submit the following materials: 1, and apply in writing; 2. Company information: including business license, tax registration certificate, legal person code certificate, articles of association, loan card, account opening, company profile, certificate of legal representative or authorized agent, resolutions of shareholders' meeting, etc. 3. Project information: including qualification certificate of real estate development enterprise, construction land planning permit, construction project planning permit, construction project construction permit, state-owned land use permit, project budget information, pre-sale permit of commercial housing, etc. 4. Other information that the bank deems necessary. The main contents of the project investigation include whether the procedures are legal, whether the project funds are in place, the basic situation of the project, market prospects and benefits. On-the-spot investigation of the project, verification of information, writing an investigation report after the project investigation, submitting the investigation to the examination department, and signing the Cooperation Agreement on Personal Housing Consumption Loan Project with the developer after approval. (II) Personal mortgage purchase process: 1. Borrower's application: When the borrower applies for personal house purchase loan, the house purchased must be an existing house or auction house with a multi-storey main structure capped by senior management personnel with a total investment of more than two thirds. The borrower is required to fill in the individual housing loan form and provide the following information: (1) the borrower's identity certificate, including ID card or household registration book, etc. (2) Proof of marital status: the married person shall provide the marriage certificate or husband-wife relationship certificate issued by the marriage registration authority, and the unmarried person shall provide the unmarried certificate; (3) a down payment certificate of not less than 30% of the house price; It should be noted here that the down payment ratio of the first set of self-occupied housing with a construction area of less than 90 square meters shall not be less than 20%, and the down payment ratio of commercial facade shall not be less than 40%. (4) A legally binding commercial housing sales contract uniformly printed by the real estate department. (5)*** Proof that the owner agrees to use the purchased house as collateral; (6) Proof of the borrower's family property and economic income. If it belongs to the borrower's family members, all parties shall sign a confirmation letter of repayment responsibility, making it clear that one party is unable to repay and the other party will continue to bear the repayment responsibility. 2. Acceptance and investigation of the bank: The credit department receives the above information, investigates the authenticity of the information and the borrower's ability to repay the principal and interest of the loan, and determines whether to lend, the amount and duration of the loan. The main contents of the investigation include: (1) whether the down payment is fully deposited into the special account for selling houses opened in the credit union; (2) Whether the house price is reasonable and comparable to the local market price of similar property; (3) whether the loan term plus the borrower's age is over 60 years old; (4) Whether the mortgage guarantee is sufficient and effective, whether anyone has issued a legal document agreeing to mortgage, and if necessary, ask the borrower to provide a real estate appraisal report and other rights certificates. 3. Loan examination and approval: the loan examination department focuses on examining the authenticity of house purchase behavior to prevent borrowers and developers from colluding to defraud bank loans; Whether the price of the purchased house is equivalent to the local market price of similar real estate, and when necessary, an institution with real estate appraisal qualification can be entrusted for evaluation; * * * Whether anyone has issued a written legal opinion agreeing to mortgage; The borrower's ability to repay the loan principal and interest; After review by the loan review department, the loan amount and duration can be proposed, and individual housing loan contracts can be signed with borrowers and developers, which can be directly reported to the authorized approver for approval. When signing a loan contract, the agent bank should take the initiative to explain the terms of the contract to the borrower and guarantor. The borrower can only issue the loan after completing the formalities of home insurance, notarization and mortgage pre-registration. When the loan is issued, the loan officer fills in the loan slip, and the borrower signs it or confirms it by fingerprint. At the same time, the borrower signs the authorization of transfer and deduction, and the credit union directly transfers the money to the special account for selling houses opened by the developer in the credit union, and informs the borrower that the loan has been issued, and the developer issues a receipt. The Credit Department shall complete the data archiving within 10 working days after the loan is issued.
Second, the commercial housing purchase process and loan process?
Property mortgage requirements:
Our bank accepts commercial houses and commercial houses with clear property rights and strong liquidity as collateral.
Prompt that the following conditions must be met:
The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage loans do not accept off-site collateral.
(2) Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;
(3) The property right has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no unfavorable liquidation situations such as property right disputes;
(4) Strong liquidity, intact real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management, etc., without problems and defects, which are not within the scope of government planning;
⑤ If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit term plus the house age is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan/credit term plus the age of the house is not more than 30 years in principle.
6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral;
Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.
3. What are the procedures for buying a commercial house with a loan?
How to apply for housing provident fund loans The target of housing provident fund implementation is all administrative organs, enterprises and institutions, including employees of foreign-invested enterprises, towns and private enterprises. Personal housing loans are earmarked for individual employees' purchase, construction and construction, and they can apply for commercial loans from banks. The application for provident fund mortgage loan is accepted by the municipal housing fund management center and the designated undertaking bank. The application condition is that the employees who have participated in the housing provident fund payment and paid continuously have proof of economic income. Each household can only enjoy the house purchased by the borrower of this loan once. The housing purchased by the borrower must be poverty-stricken housing, affordable housing, ordinary housing with pre-sale permit of commercial housing and secondary market housing. There is a house purchase contract or agreement that meets the legal requirements (a) there are self-owned funds that account for more than 30% of the funds needed for the purchase of self-occupied houses, which are used as the down payment (purchase of first-hand houses); (b) the property to be purchased (not less than 40% of the appraised price) has been deposited in the designated bank account (purchase of second-hand houses). 7. The maximum loan amount, term and interest rate for each household with permanent residence or valid residence status in this city is 65438. The longest loan period is 30 years, and the loan period plus the borrower's age cannot exceed the statutory retirement age. If the loan term is less than 5 years (0.59%), the loan principal and interest will be repaid in equal amount every month. Repayment method: repay the principal and interest of provident fund loan in equal amount every month. The borrower shall, according to the loan contract, repay the principal and interest of the loan at the loan bank every month, or entrust the employer to deduct from the salary every month and transfer it to the loan undertaking bank for mortgage registration cancellation. Handling flow A. Borrowers who purchase first-hand houses go to Fuzhou Housing Provident Fund Management Center to collect and fill in the application form-funds (5 working days)-undertaking bank to review loan guarantee (20 working days)-undertaking bank to sign real estate sales contracts with loan contract and mortgage contract respectively-borrower's property insurance-undertaking bank loan-buyers selling houses, applying to intermediary company-intermediary company to collect all information and cooperate with applicants to review loan guarantee. And go to the house purchase loan commitment letter-the appraisal agency's confirmation of real estate assessment-the borrower handles the loan, and the mortgage contract is responsible for the formalities of house property transfer and mortgage registration, and hand over the other warrants to the bank for safekeeping-undertake the bank loan-the repayment of the house buyer-clarify the application form for the information required by the applicant, and submit: (1) the original and photocopy of the borrower's ID card and household registration book (2) the legal sales contract and photocopy (3) the proposed house purchase contract. (5) Employees must mortgage their own, * * own or third property or pledge securities when applying. Note: Married borrowers are required to provide their spouse's ID card, household registration book, original and photocopy of marriage certificate, and unmarried borrowers are required to provide unmarried certificates. If the applicant purchases a second-hand house, it is also required to provide: (1) the applicant's family income certificate or tax payment certificate; (2) the appraisal report of the appraisal institution recognized by the bank on the appraisal of the collateral; Transfer and withdrawal of provident fund; 1. When an employee changes his work unit, the principal and interest of his housing provident fund will be transferred to the newly transferred employee provident fund account; 2 purchase, construction, renovation and overhaul of owner-occupied housing; 3. When employees retire or move out of the city. 4. If an employee dies during his/her service, his/her successor or donee may go through the extraction procedures in accordance with the relevant provisions of the Inheritance Law. Employees can withdraw the storage balance in the housing provident fund account with the approval of the unit if they meet the relevant conditions. The step of withdrawing housing provident fund is to withdraw the approval form and payment voucher from the bank-to the municipal housing fund management center for approval-to withdraw housing provident fund from the bank.