Procedures required for mortgage loan to handle real estate license 1. The Buyer and the Seller sign the House Purchase and Sales Contract; 2. The mortgage transaction security guarantee contract signed by the buyer and the seller and the entrusted lawyer; 3. The purchaser pays the down payment of the house price (according to the principle of lower transaction price and evaluation price, the evaluation is exempted within one year, subject to the original house price); 4. Letter of confirmation that the seller's loan bank agrees in writing to make a one-time prepayment (including the principal and interest of the funds owed and the repayment account number); 5. The buyer applies to the loan bank for second-hand housing mortgage loan according to the above documents and personal credit documents (loan application, lawyer's preliminary examination and bank review); 6. The seller delivers the house to the buyer; 7. After the approval of the bank, the house payment will be given to the seller and transferred to the seller's bank; 8. After receiving the payment, the seller cancels the loan contract and mortgage registration with the original loan bank, handles the transfer with the buyer and lawyer, and mortgages the buyer's loan bank; 9. The loan bank of the buyer will pay 30% of the down payment to the seller.
Legal basis:
"Measures for the Administration of Individual Housing Loans in People's Republic of China (PRC)" Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements.
Derivative problem:
Where is the mortgaged property certificate? 1. The real estate license for mortgage purchase is generally handled by the developer according to the agreement of the house sales contract; 2. After the real estate license is issued, the original is usually placed in the bank: 3. After the borrower pays off the bank loan, he can get back the real estate license from the bank; 4. Let the bank cancel the mortgage registration when you get the certificate.