materials of housing loan in Wuhan
1. approval form for individual housing loan application * * * electronic version * * *.
2. Questionnaire * * * Personal credit information of husband and wife, bank checklist, customer notice, letter of credit guarantee and overdue certificate, and proof of mortgage inquiry result * * *.
3. Photocopy of ID cards of the borrower's husband and wife * * * Both sides are on the same piece of paper * * *.
4. Photocopy of the household registration book of the borrower's husband and wife * * * including the first page of my page * * * and the tax payment certificate or social security certificate provided by foreigners.
5. A photocopy of the borrower's marriage certificate or an original single certificate.
6. The original salary income of both husband and wife of the borrower and the bank flow in recent 3 months.
7. If the borrower in Wuhan is a private owner, he/she must provide: business license, tax registration certificate, organization code certificate, articles of association, capital verification report and materials that can prove his/her business status, such as the running of the corporate bank for nearly three consecutive months, financial statements, tax payment certificates, VAT invoices * * * stamped with the company's official seal or financial seal * *.
8. Photocopy of down payment receipt.
9. When guarantor is needed, both husband and wife * * * provide ID card, household registration book, photocopy of marriage certificate, income certificate, bank flow in the last three months and photocopy of house property right certificate or purchase contract. * * * ID card, household registration book, marriage certificate or single certificate, income certificate of both husband and wife with the same repayment person * * *, and photocopies of bank flow and house title certificate or house purchase contract in recent three months.
Procedures for housing loan in Wuhan
1. Sign a housing contract with the developer. At this time, it is necessary to check whether the developer has "five certificates": State-owned Land Use Certificate, Construction Land Planning Permit, Construction Project Planning Permit, building construction permits and Commercial Housing Sales * * * Pre-sale Permit.
2. Pay the down payment, and pay attention to storing the down payment receipt.
3. Go to the bank and fill out the Application Form for Personal Housing Loan. Developers usually sign cooperation agreements with one or several banks, so it will be more convenient to go to the banks that have agreements with developers to handle mortgage loan agreements. Bring the down payment receipt, Commercial House Sales Contract, ID card, residence booklet of this city * * * certificate of residence for more than one year provided by non-local accounts * *, income certificate and other originals and photocopies to the bank to fill in the Application Form for Personal Housing Loan.
4. The bank examines the mortgage loan application. The bank's credit personnel will review and approve the materials submitted by the applicant step by step. If they think that they meet the bank's loan conditions, they will inform the applicant to sign the Individual Housing Mortgage Loan Contract, with a contract term of no more than 3 years.
5. Go to the Housing Authority to apply for the Certificate of Other Rights of the House, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company for home insurance.
Precautions for Wuhan loan to buy a house
Note 1: Don't use the provident fund before applying for a loan
If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan.
note 2: don't repay the loan in advance within the first year
according to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months. Early repayment is not only not good, but also a part of the liquidated damages, so choose carefully.
Note 3: Don't forget to look for the bank around you if you have difficulties in repaying the loan.
When your solvency declines during the loan period and you have difficulties in repaying the loan, don't go it alone. You can apply to the bank for extending the loan term. After investigation by the bank, it is true, and the loan principal and interest should not be repaid in arrears, the bank will accept your application for extending the loan term.
Note 4: Don't forget the obligation to inform when renting the house after the loan
When renting the mortgaged house during the loan period, you must inform the lessee of the mortgaged fact in writing to avoid unnecessary troubles.
note 5: don't forget to cancel the mortgage after the loan is paid off
after you have paid off all the loan principal and interest, you can cancel the mortgage by going to the real estate transaction in the district or county where the property is located with the bank's loan settlement certificate and other real estate rights certificate of the collateral.
Note 6: Don't lose the loan contract and the IOU
Apply for a mortgage loan. The loan contract and IOU signed by the bank with you are important legal files. As the loan period can be as long as 3 years, as a borrower, you should take good care of your contracts and IOUs.