First, choose a loan bank. Choose a suitable bank before applying for a commercial loan. Two, apply for a loan, apply for a loan from the bank, and submit the loan information. 3. Real estate appraisal: the bank appoints an appraisal agency to appraise the house, and the appraisal agency issues an appraisal report after on-the-spot appraisal. Four, bank approval, bank staff to review the loan information, to verify the authenticity of the information. V. When signing the loan contract, the seller shall assist the buyer to sign the loan contract with the bank. Vi. Mortgage registration: The buyer and the seller go to the real estate trading center for mortgage registration. Seven, bank loans, refers to the bank loans to the account agreed in the contract within the time limit. What should I pay attention to when handling commercial loans? 1. Submit a loan application and apply for a commercial loan from the bank after signing a house sales contract. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process. The materials mainly include ID card, household registration book, income certificate issued by the work unit, sales contract, down payment invoice, salary flow within half a year or other assets certificate. Different banks have different requirements for commercial loans, so it is best for borrowers to consult the loan banks in detail in advance about what information they need. 2. The bank is under investigation. After receiving the loan applicant's application, the bank will review the supporting materials submitted by him. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month. During the bank investigation, the loan applicant will be asked to supplement some information according to the situation, so the loan applicant needs to keep in touch with the bank during this time. 3. The bank verifies the approval, and the loan bank will review the housing situation and the borrower's qualification and credit status. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life. 4. Both parties go through the relevant formalities, and the bank informs the loan applicant that after the loan is approved, it is necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding. 5. Banks issue loans. After all the loan procedures are completed, the bank will transfer the loan funds to the account of the real estate developer, and the loan relationship will be established, and the lender will repay the loan according to the regulations.
2. What is the commercial loan interest rate for buying a house?
At present, the benchmark annual interest rate of the loan announced by the bank is 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), annual interest rate: 4. You need to combine the business type, credit status and price you apply for, and it can only be determined after being approved by the handling outlets.
Buying a house loan cannot bear the liability for breach of contract;
According to the agreement:
(1) If it is stipulated in the contract that the materials cannot be provided in time or the materials provided are incomplete or improperly handled due to the reasons of the buyers, resulting in the failure to perform the contract and the failure to achieve the purpose of the contract, the developer has the right to terminate the contract and may hold the buyers liable for breach of contract.
(2) If the contract is agreed with the loan bank or the mortgage loan materials are not submitted in time, resulting in the merger of the two parties, the buyer has the right to terminate the contract according to the provisions of the contract or contract law, and may require the developer to bear the liability for breach of contract.
(3) If the bank mortgage loan is postponed, the loan amount is reduced or it cannot be handled due to bank reasons, both parties will generally have a supplementary contract or agreement, stipulating that the buyer will choose, or the buyer will pay the purchase price within a certain period of time, or the buyer has the right to terminate the contract; If the house payment is not paid within the time limit, the developer has the right to terminate the contract.
To sum up, the interest rate under commercial loans is lower than that under provident fund loans. But in reality, not everyone meets the conditions of provident fund loans, so at this time, they can only buy a house through commercial loans. How much is the equipment? Shan Weiguo made an introduction. At this time, if the actual loan amount is longer, the interest rate will naturally be higher.
If the principal and interest of the loan cannot be repaid within the time limit stipulated in the contract, it shall apply to the lender for extension 30 working days in advance. The application for extension shall be signed by the Bank of China. Show written approval and go through the insurance formalities; If the loan is repaid in installments, it may not be extended, but both borrowers and borrowers may negotiate to restructure the loan.
Three. Commercial housing loan
Apply to the bank and use the house you bought as collateral. Commercial loans have nothing to do with provident fund.