Individuals buy a house, almost everyone can't escape the loan, but what are the procedures for individual housing loans? How to apply for a personal loan and what information do you need to apply for a personal housing loan? The following small series collects some procedures about personal housing loans, hoping to help you! The first step of commercial loan: there are three specific things to register for tax payment. Property buyers and developers sign pre-sale contracts and sales contracts; Buyers pay the down payment according to the specific requirements of the developer; Property buyers and developers each pay stamp duty at the rate of 0.5% of the house price. The second step of commercial loan: the pre-sale registration step is generally handled by the developer. The third step of commercial loan: after submitting the application to the on-site lawyer of the law firm designated by the bank, it begins to enter the substantive loan stage. When submitting the application, the buyer must provide the following information: 1. Id card (original and copy) 2. Household register (original and copy) 3. Temporary residence permit (only for foreign buyers, 3 originals and copies) 4. Marriage certificate (original and 3 copies) 5. Academic certificate (3 originals and 3 copies) 6. Copy of business license of legal person or private enterprise (original or copy with official seal) 7. Professional income and proof of income (3 originals and photocopies) 8. Beijing Commodity House Pre-sale Contract (Sales Contract) (original and photocopy 2) original and photocopy 3) 10. Notice of approval for individuals from other provinces and cities to purchase houses in Beijing (3 originals and photocopies are required for purchases from other provinces and cities) shall be stated, and the applicant shall also provide the above information when there is an applicant. The fourth step of commercial loan: fill in the application materials. The loan lawyer will assist the buyers to fill in the application materials. The information specifically includes: 1. Application form for individual housing loan in quintuplicate. 2 individual housing loan contract description. 3. Receiving the contract for the ownership certificate of the loan house. 4. Power of attorney. 5. Commitment letter. 6. Dialogue record. 1. After completing the first four items, the developer must also require the buyers to pay 0.3% of the loan amount. The fifth step of commercial loan: the lawyer reviews the information and transfers it to the bank for commercial loan. Step 6: After signing the loan-related contract, the bank will review the lender's credit, loan amount and loan term. Signed a series of contract documents with the Lenders Association: 1. Individual housing loan contract in quintuplicate. China Pacific Insurance Company Personal Housing Insurance Application Form 1 in triplicate. Transfer Certificate of Personal Housing Guarantee Loan 1 copy 4. Stamp card 1 5 copies. Electronic money card application form. 65,438+0 deposit receipts. It should be noted that when signing the insurance policy, the house property insurance premium, the cost of repayment card (3 yuan) and the deposit of repayment card (10 yuan) should be paid, and all documents should be signed by the insured himself. If there are * * * applicants, all applicants should be present to sign. The seventh step of commercial loan: the loan applicant repays the loan every month.
How to apply for a house loan?
Buying a house is always the first important thing in China people's minds besides ending extramarital affairs. Many families will consider buying a house after they have a good economic foundation or before they get married. But most people will choose loans to buy a house, which can reduce a lot of economic pressure and keep their quality of life from falling too much. So how to apply for a house loan?
How to apply for a house loan?
The materials to be prepared before buying a house include the identity cards of the applicant's husband and wife, the original and photocopy of the household registration book, the original house sales contract, the income certificate, and the running water in the last six months. If the household registration book of both husband and wife is not on the household registration book, it is necessary to issue a marriage certificate to the local civil affairs bureau. Unmarried people don't need a marriage certificate, but they need an unmarried certificate; If the loan is 80%, you need to make another copy of the contract and down payment certificate.
The process of buying a house with a loan
1. When choosing a house, we must first confirm that the developer has the support of the bank to ensure that the mortgage loan can go smoothly.
2. Fill in the loan application form, and the bank will conduct a preliminary examination after receiving all the materials prepared in advance, and sign the mortgage loan commitment letter after meeting the loan conditions.
3. After the loan is approved, the bank will review all the materials, sign a loan contract with the applicant after the approval, and clarify the rights and obligations such as loan amount, interest rate and repayment method.
4, the applicant and the bank to the "loan contract" and "purchase contract" to the local housing management department for mortgage registration; Register the mortgage change of the auction house after completion; At the same time, it is necessary to set up a repayment account in the bank and authorize the bank to deduct the loan principal and interest from the account.
Matters needing attention in buying a house by loan
1. If you use the provident fund loan, you can use the provident fund to pay the house price before applying, but don't use it before applying. If the account amount is zero, you will not be able to apply for provident fund loans.
2. The loan shall not be repaid in advance within one year, and the prepayment amount shall not be less than 6 months.
3. Cancel the mortgage after applying for the loan, and keep the loan contract and related procedures intact before canceling the mortgage.
Loans ease the pressure of buying a house, but they also cost you too much, so you need to make corresponding loans according to your own economic ability before buying a house.
How to borrow money to buy a house?
Housing loans are the most common. After all, the house is too expensive to afford at present, and loans can reduce the pressure on buyers. So how do you apply for a mortgage loan to buy a house? What if the bank loan doesn't come down? Do you understand? Now let's have a look.
First, how to apply for a mortgage loan to buy a house
1, find the house you want to buy; 2. Submit loan information and loan application to the developer cooperative bank; 3. The bank shall review the submitted materials; 4. Sign the Commercial Housing Sales Contract with the developer; 5. Sign a loan contract with the bank; 6. The bank will transfer the loan to the developer's account, and the buyers will repay it on a monthly basis.
Second, what should I do if the bank loan fails?
1. If the buyer fails to complete the required materials, or the credit check fails, the bank cannot issue the loan, and the final consequences will be borne by the buyer.
2. Due to the developer's reasons, the developer did not obtain the pre-sale permit conditions for commercial housing when building the commercial housing, and the bank will not issue loans if it is discovered later. At this time, all the consequences shall be borne by the developer, and the property buyers have the right to ask the developer to refund the deposit and down payment delivered, and compensate the corresponding losses.
3. Non-bilateral reasons, such as some new housing policies issued by the government in the later period, or changes in the corresponding application conditions within the bank, make it impossible for buyers to borrow money. At this time, it is necessary for buyers and developers to negotiate. If the negotiation fails and there are no binding conditions in the contract, then the buyers can provide evidence that they are not at fault, so that the developers can refund the down payment and deposit delivered before.
Here's how to buy a house with a mortgage loan. What if the bank loan doesn't come down? You got it? After paying the developer the down payment, we will apply for a loan from the bank. If the loan cannot be processed, the specific consequences will depend on the situation.
How to handle the house purchase loan?
Nowadays, when people buy commercial housing, metropolises choose to borrow money from banks to pay the house price. It is a complicated process to apply for and handle bank loans. Next, let's learn how to handle the housing loan in Bian Xiao.
1. Property buyers apply to the bank.
If you want to pay the house price through a bank loan, you need to apply for a loan at the bank first. The bank will confirm whether the buyers are qualified to apply for loans according to relevant regulations, and if so, it will issue a certificate of consent to apply for loans. If not, buyers will not be able to borrow money, and will consider other ways to pay for the house when buying a house.
2. The buyer and the developer sign the purchase contract.
With the confirmation that banks can apply for loans, buyers can rest assured that they can sign purchase contracts with developers. Because of the current mortgage policy, after signing the contract, buyers need to pay a down payment of not less than 30% to the developer.
3. Go through the formalities of bank housing loan.
After the down payment is paid, the Development Association will provide the buyers with the down payment certificate. At this time, buyers can bring down payment vouchers, purchase contracts, personal ID cards, household registration books and other materials to the bank to apply for house purchase loans, and pay deed tax and other fees at the deed tax window during the period.
4. Bank audit
After the loan formalities are completed, the bank will review the materials submitted by the buyers to confirm the loan amount, loan interest rate, loan term, repayment method, etc., and also need to open a repayment account in a financial institution designated by the bank.
5. Acceptance of house delivery and loan
When handing over the house, the developer will inform the owner of the house to accept the house. After the house is accepted, it can be handed over. At this time, the buyer can get a copy of the real estate license. The original is mortgaged in the bank and can only be obtained after the loan is paid off. After the house is delivered and the property is delivered, the bank can transfer the loan to the developer.