1, loan consultation
Consult the loan bank and obtain relevant information: the buyer and the seller and their spouses hold real estate license, state-owned land use right certificate, household registration book, ID card, original and copy of marriage certificate, and the seller opens a passbook in the name of the seller to go to the loan bank for pre-trial registration.
Step 2 submit an application
(1) second-hand housing personal housing provident fund loan application form;
(two) the purchase contract signed by the buyer and the seller;
(3) Real estate license and state-owned land use right certificate in the name of the original seller (original and photocopy);
(4) Seller's passbook for opening an account;
(5) ID cards, household registration books and marriage certificates of both parties (original and photocopy).
Step 3 sign a contract
After the loan bank accepts the information of the loan applicant and the bank reports it to the provident fund center for approval, the borrower and the loan bank sign loan contracts, mortgage contracts and other related loan documents.
4. Transaction transfer
The buyer and seller of the house go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the house "two certificates" transaction.
Step 5 apply for a mortgage loan
The loan bank or borrower goes to the real estate bureau to handle the mortgage registration procedures.
6. Lending
The provident fund center will directly transfer the loan funds to the seller's deposit account through the loan bank.
7. Monthly repayment
The next month after the loan is issued, the borrower shall repay the principal and interest of the loan according to the loan contract until the loan is fully paid off. When the borrower pays off the remaining loan for the last time, he should go to the loan bank in person and go through the repayment settlement procedures at the bank counter.
8. Cancel the mortgage
After the borrower has paid off all the principal and interest of the loan, he shall go to the real estate mortgage registration department for mortgage registration and cancellation with the loan settlement certificate and mortgage cancellation certificate issued by the loan bank.