1. Information provided by the seller
1: ID card
2. Household registration book
3. Marriage certificate
The above information must be provided by both husband and wife. If you are single, you need to sign a single certificate. If you are divorced, you need to provide the original divorce certificate or court decision.
4. The original room book
Second: the buying and selling process
1: Signing: The buyer and the seller sign the purchase and sale contract of Beijing stock house designated by the Housing Construction Committee, and the buyer and the seller go to the window of the Housing Construction Committee for online signing. (Online signing quotation can consult the agent according to the loan situation, which involves taxes and fees)
2. Sign the loan contract. The buyer and the seller sign a loan contract at the business outlets of China CITIC Bank. The buyer and the husband and wife need to participate together and bring all the above information. Buyers also need to prepare a down payment. (CITIC 1 and 2 can be signed together on the same day)
3. Evaluation: CITIC organizes an evaluation company to conduct on-site evaluation, and the owner can cooperate to open the door.
4. Review: CITIC conducts review according to the information provided by both parties.
5. Approve the loan and review whether the final decision is to approve the loan.
6. transfer. After CITIC approves the loan, both parties can organize the transfer and require to pay all taxes and fees on the day of transfer. On the same day, the buyer can receive the license notice issued by the Construction Committee, which indicates the exact license date. (Please consult the agent for detailed taxes and fees)
7. When the property is delivered, after the transfer is completed, both parties will explain the house, usually on the day of transfer, and the two parties can negotiate in special circumstances.
8. Lending, CITIC promises to pay the house price to the seller within 3 working days after the transfer is completed. .
9. Get the house ownership certificate. Chongwen District can get the house ownership certificate within 10 working days after the transfer, which varies from district to district.
10: pawn registration. After the transfer, the buyer needs to go through the pawn registration formalities at the cooperative bank.
Other considerations:
1: Banks can prepay, but prepayment will definitely pay more interest. However, please consult your bank manager for detailed requirements.
2. Pawn loans, banks generally don't do it now, even if they are pawned, they need special funds. If they use it to buy a house, it is necessary to look at it now. Pawn loans do not enjoy the preferential interest rate of 30%, but the benchmark interest rate will fluctuate according to the situation.
3. The problem of high evaluation will definitely not be too high on the bank side. Even if you find a company with high evaluation yourself and send it to the head office for review, it may not pass. This matter is definitely dangerous.
4. You can write two people in the room, but the householder can only write one person, and the other person belongs to the co-owner, and write his name in the blank. The lender must be one person, but the borrower can have one.
5. After you buy a house, the provident fund can be collected with relevant bills, and the provident fund loan can only be handled at the bank designated by the provident fund management center.
6. When buying a school district house, you should pay attention to whether the owner can leave the account or whether there is a quota now.
7. In my family, I have taken out a loan once. If I meet the requirements of an improved house, I can still follow the first house when I buy a house again.
8. If the owner is a minor, he/she needs the signature of the legal guardian, or his/her legal agent can go to the notary office in advance to handle the notarization of entrusted house purchase. Otherwise, the contract signed by others will not be put on file, and the property right certificate will not be punished in the future. Houses cannot be transferred or bought or sold at will. If it is necessary to buy and sell, it will be beneficial to the interests of minors. All the proceeds from the sale of real estate by mom and dad must be used to raise minors. Otherwise, once the children raise objections in the future and think that mom and dad have violated their legitimate rights and interests, mom and dad will also be liable for compensation.