1. First, please ask the bank counter for relevant information. And apply for housing mortgage loan with the above prepared relevant information.
2. Then accept the verification of financial institutions and determine the loan amount.
3. The loan agreement can be handled below, and the bank will handle commercial insurance. Fairness of applying for registration and property right mortgage.
4. Finally, financial institutions lend money, and borrowers change their registration after repaying the loan and clearing the interest every month.
Through the above procedures and steps, you can get a new house with mortgage loan.
Second, the lender should provide raw materials.
1, husband and wife identity documents, household registration book/foreigners need temporary residence permit and household registration book.
2. Two copies of marriage certificate/divorce certificate or divorce judgment/single certificate. Personal income certificate (specific format of financial institution).
3. Copy of business license of subordinate unit (with official seal). Bank credit certificate: including education certificate, other real estate, bank running bills, large deposits, etc.
4. If the lender is the legal representative, it must also provide the annual business license, tax registration, organization code certificate, articles of association and financial report.
What information do I need to apply for real estate license? Property ownership certificate, namely "Property Ownership Certificate", is a reasonable and legal certificate for maintaining the ownership of houses stipulated by China laws. It refers to the valid certificate that the buyer obtains the reasonable and legal right to use the house according to the buying and selling behavior, and can fulfill the rights and interests of possession, use and disposal of the purchased house according to law.
Housing property certificate includes housing real estate property certificate and housing ownership certificate, which is a written certificate issued by real estate administrative organs to confirm housing ownership. House use permit manages and uses one's own house. The raw materials required for handling the real estate license are as follows:
(1) The original house purchase and sale agreement and the original supplementary contract.
(two) the original certificate of commercial housing sales.
(3) Surveying and mapping projects inside the house and graphic design scheme. (If the report format of house surveying and mapping is adopted, it is still necessary to show the certificate of completion acceptance and fill out the Application Form for Real Estate Registration in Lishui. The new format only needs to provide the basic elevation plan for surveying and mapping engineering buildings and home initial field survey. )
(4) Personal tax payment certificate (real estate deed tax)
(5) Married persons should prepare:
1. scanned ID card (in general, the original should be verified).
2. Copy of marriage certificate (original inspection).
3. If one party is unable to participate in the theme activity, a personal seal shall be provided. If a third party is entrusted, the personal seals of both husband and wife shall also be provided.
(6) Single-person property buyers (must be present, non-company)
1. scanned ID card (with original verification).
2. A copy of the household registration book or residence certificate (the original should be inspected).
3. Single statement stating that the buyer applies at the local civil affairs bureau.
The real estate license is a written proof of the right to use the special house, and it can also record the situation of the special house and whether it is mortgaged. According to the realism of "one thing, one right", the property right certificate is based on the principle of "one room, one right", that is, there is only one house (including differentiated houses) with independent building structure and use function, and there is only one record on the property right of the house, so only one property right certificate is issued.