1. What is the loan process for buying an auction house?
1. The borrower can consult the developer, local bank or provident fund management institution about the loanable amount and loan term.
2. The borrower shall fill in the Application Form for Personal Housing Loan, and provide legal and valid ID card, household registration book, other identification documents, income certificate, tax payment certificate, work certificate, etc.
3. Married people also need to provide marriage certificates. If * * * is the same as the borrower, it is required to provide an agreement with repayment obligation, a list of collateral, a pledge certificate, a mortgage evaluation certificate, a deposit certificate for using the provident fund and other documents or materials required by the bank.
4. After the preliminary examination, the borrower and the bank sign the loan contract and guarantee contract at the agreed time and place, handle the house purchase guarantee, and go through the formalities of notarization, insurance and registration.
5. Go through the formalities of house purchase transaction and mortgage registration. According to the developer's payment time, the specific time for mortgage purchase of faster houses is generally handled before delivery.
6. After the bank issues the loan and completes the relevant procedures, the bank will transfer the loan to the deposit account opened by the developer in the bank for one or more times according to the loan contract signed by both parties.
Second, what problems should be paid attention to in the long-term housing loan?
1. Check whether the developer is formal and whether there is a pre-sale permit.
2. Check the reputation of the property company online. Generally, small developers with junior qualifications have poor reputation, high capital turnover pressure and are prone to problems.
3, on-the-spot investigation of the construction of the building, whether the engineering personnel are in normal construction.
4. Installment payment to reduce the borrower's capital turnover pressure.
Bian Xiao concluded: What is the loan process of buying an auction house and how to apply for a mortgage? Bian Xiao will give a brief introduction here, hoping to help everyone. If you need to know more exciting content, please continue to pay attention to Qijia. com。