Audit links related to bank loans
1, view the property values.
The first thing that needs to pass the loan review is the value of the mortgaged property itself. According to the changes in the market, the properties in different locations, different environments and different locations in the city determine whether they meet the loan conditions.
The type and age of real estate are all factors to evaluate real estate, and the value of real estate is not determined according to the transaction price of buyers and sellers, so it needs to be evaluated by a professional evaluation company.
2. Review the borrower's ability
Secondly, for the loan applicants themselves, income sources, family status, social background, credit records, etc. are all objects that banks need to review.
3. Second-hand houses need guarantee from guarantee companies.
If it is a second-hand housing transaction, the participation of guarantee companies is essential, and a formal professional guarantee company with good qualifications will bring more guarantee for the success of loans to buyers.
The down payment on the house has been paid, but what if the bank does not approve the loan?
You can return a house if the mortgage loan cannot be handled, but you should investigate the different responsibilities of the buyer and the seller according to the reasons. The situation is as follows:
1. The mortgage can't be done because of the developer. For example, if a developer fails to obtain a pre-sale permit or sells an existing house that does not have the conditions for use, resulting in the bank not approving the loan, the buyer can ask the developer to refund the down payment and deposit, and ask the developer to pay the corresponding interest loss.
2. If the information provided by the buyer is untrue or the credit history is bad, the bank may refuse to lend or return the house, but the buyer shall bear the liability for breach of contract and compensate the developer for the corresponding liquidated damages.
3. If the loan cannot be obtained due to policy changes or bank regulations, the buyer shall negotiate with the developer to return the house. If negotiation fails and there is no agreement in the contract, the buyer can sue to prove that he is not at fault and is really unable to buy a house, and ask the developer to return the down payment and deposit.
In mortgage to buy a house, banks will examine the qualifications of applicants, and if they find that they do not meet the requirements, they will often not lend money. Of course, it may also be because developers and banks do not lend. In these cases, both parties can negotiate to terminate the purchase contract, and at the same time, they can also hold each other accountable.
Housing loan process
1. Information about the application. Identity card and residence booklet of this Municipality; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents need to provide birth certificates.
2. After accepting the loan application before the loan, the handling bank will conduct a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant. Through the pre-loan investigation, the bank prepares for the examination and approval of applicants who are considered to meet the loan conditions.
3. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for property insurance to prevent loan risks.
4. Sign a loan contract after investigation and approval. After the bank completes the registration notarization procedure, it informs the applicant to take the contract and sign the housing mortgage loan contract.
5. The buyer and the seller should handle the property right transfer to the 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.
6. After the transfer of house property rights is completed, the bank will handle the mortgage and get his other warrants 7 days after the mortgage.
7. Apply for the core property certificate, the bank will take back his right certificate and the bank will lend money. 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.
To sum up, many citizens will choose loans when buying a house. However, because the loan procedure is completed in the bank, it may affect the process of buying a house, and even let their favorite house be bought because of time delay, so they will definitely worry that the loan will be delayed, which requires the parties to go to the bank in advance.
Legal basis:
"Interim Measures for Personal Loans" Article 11 An application for personal loans shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.