How to handle commercial loans?
Commercial loans should basically be handled in accordance with the procedures of bank preliminary examination, insurance purchase, housing property transfer to the Housing Authority and mortgage registration.
1, preliminary examination of the bank. After accepting the loan application, the handling bank before the loan will make a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant. When handling commercial loans, it is necessary to pay attention to the pre-loan investigation, and the bank will prepare for the approval of applicants who are considered to meet the loan conditions.
2. When handling commercial loans, you need to pay attention to buying insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require property buyers to apply for property insurance to prevent loan risks. Sign a housing mortgage loan contract. After investigation, examination and approval, the loan contract is signed, and after the bank completes the registration and notarization procedures, the applicant is notified to sign the housing mortgage loan contract with the contract.
3. handle the transfer of housing property rights. Both buyers and sellers should go to the Housing Authority to handle the transfer of property rights. Information provided: ID cards of buyers and sellers, real estate licenses, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area exceeds 200 square meters, it is necessary to provide a transaction evaluation report and copy the information.
4. Go through the mortgage registration formalities. After the transfer of housing property rights is completed, the bank will handle the mortgage and get his warrants 7 days after the mortgage. Bank loan. The trading center issues the certificate, the bank retrieves his right certificate, and the bank lends money. After the bank lends money, it needs to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency also needs to stamp the official seal on the second-hand house mortgage transfer confirmation.
How many days can I get a loan?
1. If you need to apply for mortgage when buying a new house, and the property has been pre-sale certificate, as long as you apply to the bank, the bank will check your credit record with the People's Bank of China, and will reply to your personal loan application within 3 days, and ask you to submit relevant documents such as copy of license, income certificate, down payment document, and sign relevant bank documents and loan contract.
2. After collecting all the information, the bank conducts internal examination and approval, and then goes to the housing management transaction to go through the mortgage registration formalities, which takes about 10 working days. After the transaction is issued with other warrants (real estate registration certificate is issued by the city where real estate registration is implemented), the bank will lend money within 3 working days.
3. If you apply for a commercial loan to buy a house, it usually takes about two weeks from the time the lender submits the information to the time of lending. If it is a provident fund loan, the processing progress will be slower, and it may take 1-2 months or even longer, because it involves many institutions such as provident fund and banks.
The information in the above article is about how to handle commercial loans and how to handle them in a few days. I believe I can give you some help. When handling commercial loans, we should follow the process. Under normal circumstances, commercial housing loans generally need to be approved in about one month.