Second-hand housing mortgage process in Wuhan

1. Determining mortgage service companies and loan guarantee schemes Before applying for loan guarantee, borrowers need to first determine the mortgage service companies with the intermediary, and ask the mortgage service companies for loan guarantee consultation to determine the loan guarantee scheme. 2. Inquire about the provident fund (if provident fund loan guarantee is needed). After the seller confirms the intention to buy a house, the borrower provides the provident fund account number, and the mortgage service company inquires about the provident fund to determine the amount of loan guarantee and the loan guarantee period. 3. Signing a house sales contract The borrower signs a house sales contract with the seller. Due to the different requirements of the trading center, the houses in Jiang 'an, Jianghan, Qiaokou, Hongshan and other districts need to be transferred to the trading center in the region after the contract is signed. 4. Prepare loan guarantee materials and review the qualification of loan guarantee. The mortgage service company assists the borrower to prepare loan guarantee materials according to the requirements of the bank. Some houses need to be appraised by a designated appraisal company; And the mortgage service company will conduct a preliminary audit. 5. Sign the loan guarantee agreement and notarize it. The insurance mortgage service company will submit the loan guarantee information after the preliminary examination to the loan guarantee bank for review. After it is approved, the mortgage service company will arrange for the borrower to sign the loan guarantee agreement with the bank and notarize the agreement, and collect fees, including housing insurance fees. 6. Handling the house transfer and mortgage procedures The borrower goes to the transaction center in the area where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan guarantee bank through the mortgage service company. 7. Deal with the real estate license and mortgage certificate. After the real estate license and other rights certificate of the loan guarantor are issued, the mortgage service company will hand over your copy of the property certificate and the original certificate of other rights to the bank. 8. After the bank lending bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.

What is the second-hand housing mortgage loan process in Wuhan?

The second-hand housing mortgage loan process in Wuhan is as follows:

1. Choose mortgage service company and loan scheme. Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and make loan consultation with the mortgage service company to determine the loan scheme.

2. Inquiring about provident fund (if provident fund loans are needed) After confirming the intention of buying a house with the seller, the borrower will provide the provident fund account number, and the mortgage service company will inquire about the provident fund to determine the loanable amount and loan period.

3. sign the house sales contract, and the borrower and the seller sign the house sales contract. Due to the different requirements of the trading center, the houses in Jiang 'an, Jianghan, Qiaokou, Hongshan and other districts need to be transferred to the trading center in the region after the contract is signed.

4. Prepare loan information and review loan qualification.

5. signing loan agreement, notarization and insurance. The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review.

6. Handle the house transfer and mortgage procedures. The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.

7. handle the real estate license and mortgage certificate. After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your property certificate and the original of other rights certificates to the bank.

8. Bank lending. After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.