First of all, on-the-spot inspection
When we look at the house, we need to know whether the age of the house exceeds the specified service life, and whether the property rights of the house sold are clear and whether other mortgages are set; Whether to rent out, if it is public housing reform, housing projects, affordable housing, etc.
Second, verify property rights.
The property owner and co-owner (seller) bring the original ID card and real estate license to the Housing Authority for verification.
Three. Sign and fill in the contract
Carefully check and verify the original customer information, identify the authenticity of all signatures, and supervise customer signatures; If the borrower's income certificate is insufficient, it is necessary to provide co-borrower, issue the income certificate and sign the corresponding contract.
Fourth, the transfer fee
Go to the Housing Authority to provide the corresponding information for signature, get a new real estate license with the license notice, the original ID card and the deed tax five working days later, and then print a copy and stamp it at the bank for charging.
Verb (abbreviation for verb) mortgage loan and bank loan
We will go through the mortgage formalities again. After handling, we need to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency needs to stamp the official seal on the second-hand house mortgage transfer confirmation, so that the bank can lend normally.
The above is the introduction of the second-hand housing loan process in Hefei, hoping to help everyone!