1 day, submit materials and apply. The buyer and the seller went to the bank with all relevant information. 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 Appraisal According to the agreed time, the real estate appraisal agency will go 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. }
On 8th-10, the bank approved the qualification of the loan applicant. After meeting the requirements, the bank will verify the loan amount and term according to the housing appraisal price and the lender's qualification. 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 days to pay the down payment. After the transfer is passed, the buyer will pay 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. After the bank loan buyer gets the real estate license, he 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.