Second-hand housing transactions enter the loan face-to-face. During the face-to-face signing, both the buyer and the seller should be present (except unmarried, divorced or widowed) and prepare relevant materials.
Seller carries materials
1. Identity certificate: second-generation ID card, Hong Kong, Macao and Taiwan resident ID card, Taiwan Province compatriots' passports to and from the mainland, foreigners' passports and notarized translations, and household registration book.
2. Marriage certificate: marriage certificate, single certificate, divorce certificate and divorce agreement.
3. Proof of property right: property right certificate, loan contract and mortgage contract.
4. Receipt voucher: the bank card or passbook of the lending bank.
Buyer carries materials
1. Proof of the number of sets: the application form for family house purchase and the original letter of commitment for house purchase.
2. Identification certificate: second-generation ID card, Hong Kong, Macao and Taiwan resident ID card, Taiwan Province compatriots' passports to and from the mainland, foreigners' passports, notarized translations of passports and household registration books.
3. Marriage certificate: marriage certificate, single certificate, divorce certificate and divorce agreement.
4. Proof of income: proof of income (2 times or more of the monthly repayment amount) and bank flow (2 times or more of the monthly repayment amount).
5. Qualification certificate: tax list, social security list, provident fund deposit certificate and credit report.
6. Repayment voucher: the bank card of the lending bank.
Matters needing attention in bank face-to-face signing:
In fact, there is no need to be nervous during the interview. As long as your information can be verified, there will be no problem. There's nothing wrong with beautifying your income a little. If it is two sets of face-to-face signing, you need to cancel the real estate license and loan contract (settlement certificate) for the first time to buy a house. If the property address on the property certificate is inconsistent with the property address on the loan contract, it is necessary to cancel the property or the property address certificate issued by the neighborhood Committee is consistent.