After the mortgage is approved, the applicant can transfer the ownership at any time.

The transfer place is the Housing Authority, and it usually takes 15-22 days for the housing authority to transfer. After the transfer formalities are completed, you have to go to the housing management department to go through the formal mortgage loan procedures, mortgage the property right certificate in the housing management department, and the property owner signs it on the spot.

Finally, the certificate of other rights of the officially mortgaged house is sent to the bank, and the bank issues loans, so that the borrower can officially move into the house.

How long it takes to transfer ownership after approval depends on the efficiency of the housing authority in the city. Generally, the workload of housing management bureau in small cities is small and the transfer time is short. In big cities, it takes a long time to transfer ownership, with an average of 15 days.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Self-operated loan

Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, the loan names of banks are different. China Construction Bank is called individual housing loan, and Industrial and Commercial Bank and Agricultural Bank are called individual housing guarantee loan.

Consortium lending

Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

Mortgage repayment methods: average capital, equal principal and interest, biweekly payment, etc.

Loan amount: 80% of the value of the loanable property after being audited by the bank.

Mortgage down payment: 30% down payment for the first home mortgage loan and 50% down payment for the second home mortgage loan.

Loan life: 30 years for first-hand houses and 20 years for second-hand houses. At the same time, the loan period plus the applicant's age must not exceed 70 years old.

Loan interest rate: the benchmark interest rate of the first home loan for more than five years is 6.55%, and the interest rate of the second home loan is 7.26% when the benchmark interest rate rises 1. 1 times.

way

There are three ways of housing loans, namely, bank commercial loans, provident fund loans and portfolio loans.

What is the transfer procedure after the loan agreement?

As we all know, house transfer is a crucial thing. Because if the house does not pass the door, the ownership of the house is still the original owner. If the original owner uses this suite for mortgage or loan, the rights and interests of buyers will not be protected. Then, what is the transfer procedure after the same book is borrowed? Let's explore the answer together!

1. Signing the house sales contract: After the loan agreement is signed, signing the house sales contract is the first step and the most important step to complete the house transfer procedures. If it is a second-hand house, in addition to signing a house sales contract, it is also necessary to obtain a land use certificate and a house immovable property certificate before the transaction and transfer procedures can be carried out.

2. After both parties sign the house purchase contract, they should go to the real estate management department for transfer in the shortest time.

3. When your house transfer application is reviewed by the real estate management department, you will generally make a reply on whether or not to accept it within 15 days. If it passes the audit, there will be professionals to evaluate and map your house for evidence collection. These surveys will be recorded, and their main purpose is to track housing information.

Whether buying a second-hand house or a new house, in addition to the basic house payment, you need to pay some taxes and fees, because this is the premise of obtaining the property right certificate. For the transfer, it is an indispensable link.

In fact, the transfer of housing ownership is essentially the transfer of housing ownership, so it must be aimed at obtaining the certificate of immovable property rights of housing. When all the formalities are completed, the real estate management department will send you a transfer order, and the property buyers can get the property certificate.

Editor's summary: After the loan agreement comes down, the transfer procedure is: 1. Sign a house sales contract; 2. Go to the real estate management department for transfer; 3. If your transfer application is approved, there will be professionals to evaluate, investigate and collect evidence of your house; 4. Pay taxes and fees; 5. When all the formalities are completed, the real estate management department will send you a transfer order, and the buyers can get the real estate license.

As for the transfer of ownership, the loan has been approved. Can I get it after I finish the account?

Some banks can lend money to the seller within 3-5 working days according to the buyer's tax documents after closing the account, and then guarantee it through the guarantee company. (Generally, this is the case with mortgage companies, which is called paid lending. Some banks wait 3-5 working days after the buyer's new real estate license is issued, and some banks wait until the buyer's new real estate license is mortgaged. (It takes a long time, which usually doesn't happen. Only provident fund loans are this procedure. After the transfer, just wait for the bank to lend money.

I. Mortgage application process

1. Application: The borrower should fill in the application form in the loan office and provide the following supporting documents.

2. Audit: The bank investigates the lender's guarantee and credit standing, conducts examination and approval according to procedures, and informs the borrower of the examination and approval results.

3. Signing: After the lender's application is approved, it will sign a loan contract with the bank.

4. Lending: After the lender completes the relevant procedures, the bank will pay the loan to the lender's personal account according to the borrower's entrustment and transfer the loan to the relevant payee's account.

Second, how long can the loan be transferred after approval?

After the mortgage is approved, the applicant can transfer the ownership at any time. The transfer place is the Housing Authority, and it usually takes 15-22 days for the housing authority to transfer. After the transfer formalities are completed, you have to go to the housing management department to go through the formal mortgage loan procedures, mortgage the property right certificate in the housing management department, and the property owner signs it on the spot. Finally, the certificate of other rights of the officially mortgaged house is sent to the bank, and the bank issues loans, so that the borrower can officially move into the house.

How long it takes to transfer ownership after approval depends on the efficiency of the housing authority in the city. Generally, the workload of housing management bureau in small cities is small and the transfer time is short. In big cities, it takes a long time to transfer ownership, with an average of 15 days.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.