Bank loan face-to-face signing
1. The buyer and the seller are present in person (if they are married, their spouses are also present), otherwise the notarization is entrusted; The buyer and the borrower must be present.
2. Materials to be prepared
Seller:
Husband and wife's ID card, household registration book and marriage certificate (if married, provide information about both husband and wife; if unmarried, fill in the unmarried statement in the bank; if divorced, provide divorce certificate or court judgment or notarized divorce agreement).
Buyer:
Husband and wife's ID card, household registration book, marriage certificate (if married, provide information about both husband and wife; if unmarried, fill in the unmarried statement in the bank; if divorced, provide divorce certificate or court judgment or notarized divorce agreement), income certificate and copy of company business license (if it has passed the annual inspection, it shall be stamped with the official seal).
In order to enable borrowers to apply for bank loans more quickly, borrowers should provide materials that can prove their repayment ability, such as: automobile driving license, real estate license, degree certificate, professional qualification certificate (such as accountant and lawyer), salary flow or tax bill.
Reminder: The salary on the income certificate should be more than twice the monthly payment. If there was a loan before (married refers to both husband and wife), then the salary income on the income certificate should be more than twice the monthly payment of all loans (including this loan).
After receiving all the materials and evaluation reports of the buyer and the seller, the bank can generally approve the loan within 3 working days and issue a loan approval notice; After receiving the loan approval letter from the bank, notify the buyer and the seller to go through the formalities of tax payment and transfer.
After the transfer of property rights, the buyer and the seller sign a thawing agreement with the bank, and provide deed tax tickets and acceptance notices. The bank usually unfreezes the house payment on the same day, and the seller can use the money the next day at the latest.