1. Submit materials and apply;

2. evaluation;

3. Bank approval;

4. Pay the down payment and handle the transfer;

5. Handle the mortgage registration and insurance procedures of real estate, and handle bank loans.

Second-hand housing mortgage loan process:

1. 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 the 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. After the three parties agree on the time, the bank will contact the designated real estate appraisal agency to inspect and evaluate the house.

Step 2 evaluate

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 usually be completed within 3 to 5 working days. Require the counterparty to pay the 500 yuan assessment fee.

3. 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 are in the same office building, and the approval speed is fast. 1 can complete the approval time of each business in 2 days.

4. 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.

Parents, spouses and children will have different processes to add their names to the real estate license. There are several different ways to change the name on the real estate license, which will involve various issues such as property rights, creditor's rights, taxes and fees.

Moreover, the renaming of real estate license has different explanations on whether there are outstanding loans before and after marriage, and the handling fees are different in different situations. Real estate couples add names, which are different before and after marriage, and parents and children add names. Two years of real estate sales is the most suitable.

Add names to the real estate license: real estate analysis, registration, sale, gift and inheritance.

1, Analysis on Production Registration

Property analysis registration is mainly applicable to divorce property analysis.

Divorce division of property is limited to the same property during the marriage, starting from the fact that personal property cannot be used for pre-marital division.

Real estate analysis registration is a common type of housing registration, which is different from inheritance registration and gift registration.

Divorce analysis is a kind of registration procedure in which husband and wife transfer their share of housing due to divorce. According to relevant regulations, both parties to divorce and property analysis are exempt from transaction taxes and fees.

2. Real estate sales

Due to the limitation of housing area, length of residence, first set, second set and multiple sets, if personal income tax, value-added tax and deed tax need to be paid according to the highest standards in the process of selling the house to children, the expenses incurred in the process of buying and selling may be much higher than the gift of real estate.

From a legal point of view, in fact, the above methods have their own advantages and disadvantages and risks, and it is impossible to simply judge whether it is cost-effective from the transaction cost. After all, not everything can be calculated clearly with money, and it can only be analyzed according to the actual situation of different families.

It is calculated in two situations: the real estate is over five years and less than five years. The first one is that the real estate is exempt from business tax and individual tax after five years, and it needs to pay deed tax and property right transfer registration fee; Second, if the property is less than five years old, it needs to pay business tax and individual tax, and at the same time pay deed tax and property right transfer registration fee. In real estate transfer, buying and selling is the most common, and it is also a relatively convenient and safe operation mode. However, if the purchase price is relatively low, the difference between the selling price and the purchase price will increase in the future, and more taxes will be paid when selling again.

3. Inheritance of property

Compared with buying and selling gifts, the tax expenditure of inheritance and transfer is the lowest, because the inherited property has no business tax, individual tax and deed tax. The heir shall notarize the right of inheritance by his will and change his name to the housing management department by his inheritance certificate.

Conditions for inheritance of property:

First, there are two forms of real estate inheritance, legal inheritance and testamentary inheritance. Legal succession is the heir to the estate stipulated by law, and testamentary succession must be a notarized will before the death of the owner of the estate to have legal effect;

B, the legacy should be the property owned by the decedent before his death;

C, because the estate is the property of all heirs, so the real estate division agreement needs the consent and signature of each heir to take effect.

4. Real estate gifts

If the transfer is made by gift, no business tax will be levied. However, because the gift is considered as a free gift, the donee needs to pay personal income tax, deed tax and gift notarization fee, which are much higher than the taxes and fees for handling the transfer business. However, for the donated property, banks generally assume that the donee accepts the gift for free and there is no actual transaction, so the donated house cannot apply for mortgage loan.

On the name reduction of real estate license

Similar to the transfer of shares, the process is similar to the normal house sale, and the deed tax of shares needs to be paid.

A, the name reduction between parents and children is also regarded as a business transaction, and the deed tax is charged. Moreover, if the real estate license has been processed for less than 2 years, value-added tax is also required;

B. Add and subtract names between husband and wife without deed tax.

Banks pay attention to:

1. When signing a mortgage loan contract, the general bank will declare that the borrower cannot change it at will;

2. When signing the contract, the mortgagor is a person, and the bank only investigates the credit information of this person. If there are two property owners, the bank will re-investigate the other person. If this person's credit information is tainted, it will also affect the loan contract.

3. The mortgage contract involves the loan interest rate and other issues. At present, the interest rates of one suite and two suites are different. Originally, the bank only investigated the purchase of one person, but now it has added another person. If this person already has multiple properties, then the mortgage interest rate will be recalculated.

Therefore, adding a name to the real estate license must be approved by the bank. The general bank stipulates that the name can only be added after the mortgage is repaid.

5. Deal with mortgage registration, insurance procedures and 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.