The procedure of buying a house with a pooled account loan includes submitting relevant business activities and financial statements to the lending institution; Negotiate and sign a written loan contract; And get loans from lending institutions.
law
Article 668 of the Civil Code of People's Republic of China (PRC)
The loan contract shall be in written form, unless otherwise agreed.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
When concluding a loan contract, the loan requires the provision of actual information related to the loan.
Article six hundred and eighty
It is forbidden to lend at high interest rate, and the lending rate shall not violate the relevant provisions of the state.
If the loan contract does not stipulate the payment of interest,
The loan contract does not specify the method of interest payment, and the interest is determined by the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Second, what are the procedures for buying a house loan?
Mortgage refers to the legal documents provided by property buyers to the bank, such as ID card, income certificate, house sales contract, letter of guarantee, etc. At the same time, fill out the "Application for Housing Mortgage Loan". After passing the examination, the bank promised to issue loans to the buyer. Today, I sorted out related articles for you. Welcome to read and understand!
housing loans
What are the procedures for buying a house with a loan?
Information to be provided for individual housing loan: When applying for individual housing loan, the borrower should first fill in the Application Approval Form for Individual Housing Loan and provide the following information:
1. Borrower information:
(1) Legal identity certificate of the borrower;
(2) the borrower's economic income certificate or occupation certificate;
(3) Borrowers with spouses need to provide proof of husband-wife relationship;
(4) If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment responsibility of * * *;
(5) If there is a guarantor, relevant information of the guarantor shall be provided.
2. The purchased house information:
(1) Letter of Intent for the commercial housing sales contract or commercial housing sales (pre-sale) contract signed by the borrower and the developer.
(2) A copy of the down payment bank deposit slip and down payment receipt issued by the developer;
(3) Other documents or materials required by the lender.
Handling the mortgage registration procedures for individual housing loans: After the loan is approved, the purchaser shall sign a loan contract and a mortgage contract with the loan bank, and handle the mortgage registration procedures at the real estate management department under the jurisdiction of the Property Rights Office with the following materials:
(1) The original and photocopy of the ID card and marriage certificate of the buyer's husband and wife;
(2) Loan contract and mortgage contract;
(3) Real estate mortgage application review registration form;
(4) All purchase contracts;
(5) Other information required by the real estate department.
The time for real estate management departments to handle mortgage registration is generally 15 working days. After the mortgage registration formalities are completed, the mortgagor shall hand over the mortgage certificate of the faster house or the house ownership certificate issued by the real estate management department to the loan bank for safekeeping.
3. What documents do I need to buy a house?
Documents required for full house purchase:
1. Married: marriage certificate, ID card and household registration book of both husband and wife.
2, single: ID card, household registration book, single certificate 2, procedures: one-time payment, generally pay directly to the sales office (including various taxes and fees), the rest of the sales offices can act as agents, just waiting to get the real estate license.
Documents required for loan to buy a house:
1. Married: marriage certificate, household registration book, income certificate, a copy of the company's business license stamped with the official seal, running salary card (one or six months, different banks, different needs), ID card, spouse ID card, spouse household registration book, and spouse marriage certificate. If two people borrow money together, the spouse also needs to show proof of income, a copy of the company's business license, official seal and running salary.
2. Single: single certificate (which can be issued by the unit, street or local police station), household registration book, income certificate, bank memorandum and ID card.
Program: 1. New house: go to the bank for an interview alone (with the above information, the sales will inform you of the specific information).
2. Second-hand house: Go to the bank to interview the seller.
Documents required for provident fund to buy a house:
Materials that individuals need to submit when applying for provident fund housing loans: a copy of the applicant's ID card, a copy of the applicant's household registration book (including the first home page), the original income certificate of the applicant, the original certificate of the applicant's provident fund deposit, the original house purchase contract and the original house purchase down payment.
Married persons are also required to provide copies of the above materials and spouse's marriage certificate: copies of house sales license and land use certificate.
If it is a new house, you need the following documents:
1. You need to bring your ID card, household registration book and down payment to the developer to sign the house purchase procedures.
2. If you need a loan to buy this house, then you need the developer to go to the bank for credit evaluation, sign a loan contract after passing, and go to the real estate management center for mortgage and other related procedures (if you are married, you need your spouse to sign on the spot, if you are unmarried or divorced, you need the relevant single certificate from the department where you are registered).
All taxes and fees account for about 8.5% of the total house price.
4. Deal with property rights. After the developer's commercial housing is completed and accepted, go back to the real estate management center for quasi-property rights registration, and the developer will handle property rights for you.
You need to bring your ID card, the original household registration book and a copy of B5, the full amount of the house purchase and a copy of B5, and two copies of the house purchase contract, with the cash property registration fee of 280 yuan, and go to the property rights window to handle the property rights.
If you buy a second-hand house, you need to meet the following conditions to get a loan:
1. Both parties sign a sales agreement.
2. Find a bank or real estate agent to make a down payment custody transfer, and then take a new house ownership certificate to the real estate appraisal firm for loan evaluation.
According to the new policy in 2008, the amount of second-hand housing loans is estimated to be 60-70% (please refer to the regulations of banks for the amount of second-hand housing loans for individuals or families).
3. For the loan, the bank pays the remaining house price to the seller.
4. Mortgage registration: The bank staff will take you to the real estate management center for mortgage registration. You need to bring the original ID card and A4 copy, the house purchase loan contract and the mortgage registration fee of 200 yuan.
5. Deal with property rights. Deal with the property right (the first-hand house is waiting for the completion of the developer's commercial house). After passing the acceptance, go back to the real estate management center to register the quasi-property right, and the developer will handle the property right for you.
All taxes and fees are about 8.55% of the total house price (personal income tax for those who have been buying and selling for less than 5 years, and the house maintenance fund is about 40 yuan per square meter).
You need to bring your ID card, the original household registration book and a copy of B5, the full amount of the house purchase and a copy of B5, and two copies of the house purchase contract, with the cash property registration fee of 280 yuan, and go to the property rights window to handle the property rights.
6. After the loan is paid off, the bank staff will take you to the real estate management center for mortgage cancellation.
4. What are the procedures for buying a house with a loan?
When buying a house for the first time, choosing a first-hand house in the sales office requires the marriage certificate or single certificate of both husband and wife (the civil affairs bureau where the household registration is located has a fixed format), and the household registration book, ID card and income certificate (see the developer's cooperative bank) have a fixed format. All you need to do is take the form given to you by the sales office to your company for stamping, down payment receipt and house purchase contract. If you buy a second-hand house and buy it from an intermediary, they will also guide you to handle it, but the information you need is similar. The first home loan can also enjoy preferential interest rates, and the second and third homes in specific cities are not exactly the same. Generally speaking, there is no problem if your income can exceed twice your monthly payment. As for the calculation of monthly payment, I will give you a calculator website. You can go in and try to see how many years the loan is suitable for. Hehe ~ ~ ~ I believe you will become an expert after buying a house ~ ~ www.jsq.com/.