2. Wait for the bank to lend money by phone, and keep the mobile phone contacts open during this period.
3. Get the key to the house.
How to get a house loan?
1. Relevant materials for application: local resident ID card and household registration book; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents are required to provide birth certificates.
The lender must have a stable and legal income, and at the same time be able to provide corresponding income certificates.
2. After accepting the loan application before the loan, the handling bank will conduct a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant. Through the pre-loan investigation, the bank prepares for the examination and approval of applicants who are considered to meet the loan conditions. 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 the housing mortgage loan contract: sign the loan contract after investigation and approval. After the bank completes the registration notarization procedure, it informs the applicant to take the contract and sign the housing mortgage loan contract.
3. Handling the transfer of house property rights: Both buyers and sellers should go to the Housing Authority to handle the transfer of house property rights. ID cards of buyers and sellers, real estate licenses, deed tax certificates, and commercial housing sales contracts with an area of more than 200 square meters issued by the Housing Authority shall provide transaction evaluation reports and photocopies.
4. Get the declaration form and fill in a copy of the market sales price (submit the original real estate license and the original identity certificate). Pay stamp duty, the original and photocopy of the ID card of the buyer and the seller, the original and photocopy of the real estate license, issue payment bills and return the bills.
5. The original and photocopy of the ID card of the buyer and the seller, the original and two drawings of the real estate license, face-to-face verification and signature by handprint, issue the acceptance certificate, and recover the original real estate license. Vouchers, rental fee receipts, transaction fees and boarding fees, and payment. After 5 working days, you can get a new real estate license with the license notice, original ID card and deed tax.
6. After the transfer of house property rights is completed, the bank will handle the mortgage and get his other warrants 7 days after the mortgage. Bank loan: core production certificate transaction, bank taking back other rights certificates, and bank loan. After the bank lends money, it is necessary to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank. Some institutions also need to stamp the official seal on the confirmation of second-hand housing mortgage transfer.