First, on-site inspection

Lenders, intermediaries, appraisers, buyers and sellers. Location: the location of the house applying for mortgage loan. Field survey of houses: whether the property rights of the houses sold are clear; Whether to establish other mortgage rights; Whether to rent it out; If it is a public housing reform housing, housing projects, affordable housing and other non-commercial housing is in line with the listing conditions; Whether it is included in the demolition notice or the scope of urban transformation planning; Whether the proportion and term of the loan applied for meet the requirements; Whether the information provided by the seller is true, complete, legal and effective; Record second-hand houses

Customer's contact telephone number; Collect a copy of real estate license. According to ICBC regulations, second-hand housing mortgage loans are allowed for properties built after 1993; The age of the house purchased is generally not more than 15 years, in which the loan ratio must be reduced accordingly, and the mortgage rate is up to 70%. The longest period is 30 years; The sum of the house age and the loan period shall not exceed 30 years at the longest, and the loan period of commercial housing shall not exceed 10 years at the longest; If the building area is less than 60 square meters, a second residence certificate is required. Make a comprehensive evaluation of the buyer's repayment ability, and inform the customer of the materials (ID card, household registration book, marriage certificate, real estate certificate, land certificate and deed tax certificate) that need to be prepared. ) Give two blank income certificates to the customer for seal and sign the "Confirmation of Real Estate Transaction".

Second, the verification of property rights.

Property owners and co-owners (sellers) and intermediaries. Venue: Housing Authority. The property owner and co-owner (seller) bring the original ID card and real estate license to the Housing Authority for verification. Then, take a certificate of property right transfer verification and file inquiry and keep the invoice; Then show the "document retrieval fee invoice" to verify the document retrieval and wait for the query result; Here, I receive the real estate license stamped with the official seal of "xxx Real Estate Archives Management Hall" and the original copy of the Commodity House Sales Contract of the house.

Third, sign a contract.

Lenders, intermediaries, buyers and sellers. Location: loan bank. Carefully check and verify the customer's original data, identify the authenticity of all signatories, supervise the customer's signature, collect the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copy the data, and remind both parties to go to the bank to handle the account.

Fourth, fill in the contract

Fill in the contract according to the relevant information provided by the customer. When the borrower's income certificate is insufficient, it is necessary to provide co-borrower and issue the income certificate. The unit name on the income certificate must be the same as that on the application form. The address of this city must be filled in the current address column of the Application Approval Form; If there is co-borrower, the application approval form shall be signed by two people, and the corresponding declaration shall be signed. When filling in the Mortgage List of Individual House Purchase Contract, the original value is the transaction price of the buyer and the seller, and the discount rate = mortgage value (i.e. loan amount) ÷ original value or evaluation value (whichever is lower). Do not fill in the real estate license number and interest rate. Supplementary clauses of the loan contract: If the relevant statements and materials provided by the borrower are false, it will be regarded as a breach of contract, and the lender has the right to take measures such as announcing the early expiration of the contract, recovering part or all of the loan principal and interest, and investigating its liability for breach of contract. In case of loan interest rate adjustment, the default interest rate of overdue loans will rise by 30% according to the adjusted actual loan interest rate. Company seal: the house transaction confirmation and agreement shall be stamped with the company seal and the legal person seal, and the down payment certificate of personal second-hand house loan shall be stamped with the company seal and the witness signature. After the loan, it must be in; Confirmation of mortgage transfer of second-hand houses; Stamp with official seal. Fill in the information and send it to the pre-trial.

Verb (abbreviation for verb) obligation to pay

After the fee is pre-approved, the customer will be notified to pay.

Transfer of property rights of intransitive verbs

Intermediary, buyer and seller. Venue: Housing Authority. 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, the transaction evaluation report is needed and the data is copied. (1), obtain three real estate sales contracts, which need not be signed, and the blank space above the contract needs to be stamped with the seal (or signature) of the intermediary company. (2) Fill in a market transaction price after receiving the declaration form (submit the original property ownership certificate and the original identity certificate). (3) 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 (the stamp duty is paid at the cost of 1‰). (4) Handling: 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 an acceptance certificate, and take back the original real estate license. 5. Vouchers, rental fee receipts, transaction fees, registration fees and payment. ⑥. After 5 working days, get a new real estate license with the license notice, original ID card and deed tax invoice.

Seven, postage stamps

(1), get a new real estate license, and fax the official report of the appraisal company for mortgage. ② The printed power of attorney together with the loan contract and mortgage contract (filled out) shall be sent to the bank for seal.

Eight, data archiving

In principle, data archiving is: transfer in the Housing Authority, it can be archived in about 7 days, and there is no exact time; At the time of filing, the property owner holds the original ID card to the Housing Authority 1 Building 13 window for filing; You can only apply for mortgage after filing.

IX. Mortgage Procedures

Apply for a mortgage. Other items in Article 16 of the mortgage contract should be filled in: the loan is used to purchase second-hand houses, and the houses are located in ... (specific location). ② Item 4 of Article 1 of the loan contract: The loan right under this contract is only used for: purchasing ... (specific location). (3) The portfolio issued by the Housing Authority should be: second-hand housing mortgage. (4) After 7 days of mortgage, he will get other warrants.

X. bank loans

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.

Mortgage process

1 day to submit materials and apply.

The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in.

The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.

Day 2-7 Assessment

According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.

{What is normal in this step can be omitted, and no evaluation fee is required. }

Day 8-10 Bank Approval

Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time for each business can be completed in 1-2 days.

1 1-33 pay the down payment and handle the transfer.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

34-35 days for mortgage registration and insurance procedures, bank loans.

After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

Summary process:

Sign a contract with the seller-pay the deposit-both parties transfer to the real estate center-get the certificate (pay the deed tax) three days later-both parties go to the bank to go through relevant procedures (notarization fee and information fee)-bank evaluation (evaluation fee)-sign a contract with the bank according to the evaluation price-handle the mortgage registration-get his certificate from the bank-lend money.

The principle adopted by the second-hand housing loan bank is to obtain the contract price and the evaluation price at the time of loan, and the lowest value between them multiplied by the loan ratio is the maximum loan amount of the property.

In the process of bank loan approval, the completion date on the real estate license is usually regarded as the main condition that affects the borrower's loan application period. The current policy of some banks is "house age+loan period ≤30 years".

The service characteristics of commercial banks are different, and the types of loans are also different. If borrowers choose common mortgage products, they need to choose according to the number of bank outlets, the convenience of repayment, the bank where wages are paid and other factors.

Bank repayment methods are mainly divided into two ways: equal principal and interest repayment method and average capital. The former is suitable for teachers, civil servants and other working-class people with stable income; The latter is suitable for lenders who can bear greater repayment pressure in the early stage.

The income certificate is generally the income status certificate issued by the borrower's unit. If the applicant is married, and one party's income certificate is lower than his monthly payment, both husband and wife can apply for a loan at the same time. In addition, large deposits, bonds and real estate can also be used as proof of income.

At present, the bank has specific provisions on the down payment ratio and loan interest rate for the first home, and the down payment ratio and loan interest rate for the second home.

Personal credit directly affects the bank's evaluation of the borrower's repayment ability. At present, credit files mainly include: credit cards, real estate mortgage loans and other types of loans.