Second-hand housing mortgage process 1. On-site house inspection personnel: loan officer, intermediary, appraiser, buyer and seller. 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 the 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. ) Submit two blank income certificates to the customer for seal, and sign the Confirmation of Real Estate Transaction. 2. Verifiers of property rights: property owners, owners (sellers) and intermediaries. Venue: Housing Authority. Property owners and * * * owners (sellers) bring their ID cards and original property ownership certificates to the Housing Authority for verification. Then, hand it over to 50 yuan, get a certificate of property right transfer verification and file inquiry, and keep the invoice; Show the "document search fee invoice" to verify the document search and wait for the query result; Get the real estate license stamped with the official seal of Zhengzhou Real Estate Archives and a copy of the original Commodity House Sales Contract of the house. Three. Signatories: loan officer, intermediary, buyer and seller. 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, sort out the information and fill in the contract according to the relevant information provided by the customer. Note: If the borrower's income certificate is insufficient, it is necessary to provide the 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 * * * is the same as the borrower, two people are required to sign the application form and a corresponding statement is required. 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: affix the company seal and the legal person seal to the house transaction confirmation and agreement. Personal second-hand housing loan down payment certificate? It needs to be stamped with the company seal and signed by the witness. What do you need after the loan? Second-hand housing mortgage transfer confirmation? Stamp with official seal. Fill in the information and send it to the pre-trial. Five, after the pre-trial fee, notify the customer to pay. 6. Transferee of property rights: intermediary, buyer and seller. Venue: Housing Authority 1 Floor (or 3rd Floor, Zhongqing Building, Jinshui District and Huiji District). 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, it is necessary to provide a transaction evaluation report and copy the information. Get three real estate sales contracts, do not sign them, and the blank space above the contracts needs to be stamped with the company seal (or signature) of the intermediary agency. (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 the 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 the bill to the bank for payment and return the receipt (the stamp duty is paid at the cost of 1‰). (4) Window 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, receipts for rental fees, transaction fees and boarding fees shall be paid and returned at the bank window. Stamp and change the invoice. ⑥. After 5 working days, get a new real estate license with the license notice, original ID card and deed tax invoice. Seven, charge stamp ①, get a new real estate license, fax the official report of the evaluation company to 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. 8. In principle, the materials belonging to Jinshui District and Huiji District will be handed over to Zhongqing Building, and it will take 15 days to file. (once every two months). If you transfer in the Housing Authority, you can file it in about 7 days, and there is no exact time; At the time of filing, the property owner shall file with the Housing Authority with the original ID card; You can only apply for mortgage after filing. Nine. Apply for a mortgage. Article 16 Other items to be filled in the mortgage contract: The loan is used to purchase a second-hand house, and the house is 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. Ten, after the bank loans, it is required to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency should also provide loans to the bank. Second-hand housing mortgage transfer confirmation? Stamp with official seal. Second-hand housing mortgage loan charge standard loan fee ☆ Insurance premium: appraised value × loan term ×55‰ Description: it can be cancelled according to regulations; ☆ Notarization fee: loan amount ×2‰ Description: It can be cancelled as required; ☆ Mortgage fee: loan amount × 1‰☆ Mortgage stamp duty: loan amount ×0. 1‰★ Warrant information fee: 150 yuan/example: contingent basement 220 yuan with an area exceeding 150 m2/example. ★ Mortgage appraisal fee: appraisal value ×2.5‰★ Loan service fee: appraisal value × 0.5%+500 yuan/case description: minimum 800+500 yuan/case. List of related expenses of real estate bureau (reference) ☆ Verification fee: 50 yuan/case ☆ Registration fee: 80 yuan/case ☆ Graphic design fee: 20 yuan/case ☆ Transaction evaluation fee: evaluation value ×5‰ Description: villas and houses with an area of more than 200 m2 need to be paid; ☆ Transaction cost: area ×6 yuan/m2 Description: Second-hand housing transaction; Housing reform costs halved; Market guidance price × 1% Description: non-residential; ☆ Transaction stamp duty: the transaction price of both parties × 1‰ Description: According to the contract price, the buyer and the seller pay 50% respectively; ☆ Deed tax: market guidance price × 2% Description: residential category; Market guidance price × 4% Description: If the house cost is less than 5 years and144m2 or more, the unit will be sold to the unit; Description of transaction evaluation price × 4%: non-residential, but the area is greater than 200m2; ☆ Business tax: market guidance price × 5.5% Description: the housing time is within 5 years; (Market-guided price-original purchase price) × 5.5% Description: m2 with a house cost of more than 5 years (inclusive) but more than 144. 1. house selection: 1. Go to the designated place on the platform and ask the house inquirer for the inquiry application form. 2. Fill in the query content according to the requirements of the query form and hand it over to the housing information query staff. 3. Obtain the corresponding housing information from the inquirer. 2. field trip 1. Select the favorite house from the house information, and contact the property owner to inspect the house on the spot. 2, pay attention to check the housing property right certificate, the property owner's ID card, the specific house number and the house number recorded on the property right certificate are consistent. 3. Pay attention to check whether the listing information is consistent with the actual listing situation. (The platform cannot verify the internal situation of the house one by one due to the large amount of information in the house. The internal situation of the house is subject to the field situation. 4. Determine whether the owner and the husband and wife have doubts about the sale and price of the house! Third, sign the contract 1 and sign the second-hand housing transaction contract of the Housing Authority. The sample contract is as follows. 2. When signing a contract, read the terms of the contract carefully, and pay attention to filling other agreements between the two parties into the additional terms of the contract. 3. This contract is a legal document, and it will come into effect as of the date of signing. Both parties to the contract shall strictly perform the contract. In the independent transaction, we should think twice before you act, and carefully sign the second-hand housing transaction contract. 4. Payment method 1. Both buyers and sellers have certain risks in payment, because the transaction transfer time of the Housing Authority is relatively long. If the buyer pays the house price to the seller before the transaction transfer is completed, if the transaction transfer fails, it may cause economic disputes, and if the buyer pays the house price after the transaction transfer, it may be unacceptable to the seller. It is suggested that both parties handle fund custody in the bank to prevent economic disputes. 2. Those who apply for second-hand housing mortgage have their own fund custody service. V insurance notarization 1. Customers who apply for second-hand housing mortgage should go to the insurance company designated by the loan bank for insurance. 2. Customers who apply for second-hand housing mortgage should go to the notary office designated by the loan bank for notarization. 6. House acceptance 1. When the buyer closes the house, he shall check and accept the facilities, water, electricity, gas and telephone charges inside the house to prevent inconvenience and economic disputes in the future. 7. Property transfer 1. After the acceptance of the house, buyers should go to the property company in time to handle the transfer of property rights to prevent many inconveniences in the future. Eight. Property right transfer: The buyer and the seller shall handle the property right transfer at the Housing Authority. According to the General Principles of Civil Law, the transfer of property rights of real estate in China needs to be registered by the competent authority before it can take effect. The steps for handling the property right transfer are as follows: Step 1: The seller, the couple and the buyer pay the relevant materials (see below for details) at the acceptance window (address) of Zhengzhou Housing Management Bureau, fill in the Property Right Transfer Registration Form and the Property Right Registration Form, and get the receipt. Step 2: The buyer and the seller pay the relevant fees at the pick-up window of the Housing Authority according to the pick-up date on the pick-up list (see below for details), and the buyer gets the real estate license. Step 4: The buyer holds the newly-established property right certificate and the seller's land certificate to the Land and Resources Bureau (address) to apply for a new land certificate. Transfer of property rights completed. 1. Transfer materials of Housing Authority: Seller: husband and wife's ID card, marriage certificate, household registration book, house title certificate and land certificate, with * * * ownership certificate of * * husband and wife's ID card, household registration book and marriage certificate provided by someone. Buyer: Buyer's ID card, household registration book and signed second-hand house transaction contract. 2. Related expenses: Seller: transaction expenses (property area *3 yuan/m2, transaction tax of 5.5% of the housing market guidance price shall be paid if the property ownership certificate has been transferred for less than two years, and business tax (market guidance price-original purchase price) of 5.5% shall be paid if the property ownership certificate has been transferred for more than two years, but the property transaction area exceeds 144 m2, Buyer: deed tax: (. Transaction costs (property area of the house *3 yuan/square). Verification fee: 50 yuan/pen registration fee: 80 yuan/pen drawing fee: 20 yuan/pen.