The difference between second-hand housing mortgage loan and mortgage process
According to relevant regulations, what are the differences between second-hand housing mortgage and mortgage process? In the process of buying and selling second-hand housing loans, due to some special second-hand housing transactions, banks generally designate guarantee companies to provide related services, and guarantee companies generally charge related fees and handling fees. In addition, customers should also abide by the rules of buying insurance and pay the notarization fee of the loan when necessary. We also need to pay attention to the timing of the loan. Generally, we can log in to the bank within three to five working days after receiving the materials. At the same time, it is also necessary to prove that the real estate trading center located in real estate trading is generally around three to five working days. If you transfer the ownership within three working days after the real estate agency through the guarantee company, you can get a loan. Subsequently, the relevant personnel also need to determine the mortgage service company and loan scheme. In the process of second-hand housing loan, the borrower first needs to determine the service company before the loan, and also needs to consult the mortgage service company on the loan. The next step is to check the process of provident fund. Generally, second-hand housing loans are decided by the seller. The borrower also needs to provide relevant fund accounts. Mortgage service companies also need to check the funds to determine the loan amount and loan term. It is also important to sign a house sale contract. In the process of second-hand housing loan, both borrowers and borrowers must sign a good housing sales contract. As a requirement of the transaction, the houses in some areas are also signed in accordance with the contract, and then the houses in this area will be transferred. The arrangement of loan information is also very important, and the relevant loan qualifications need to be reviewed. In the process of second-hand housing loans, mortgage service companies also need to assist borrowers to evaluate housing prices according to the data of bank loans and some housing needs. Then there is the question of signing a loan agreement. Notarization and insurance are also important. At the same time, it is necessary to sign relevant loan agreements, handle relevant notarization agreements and collect relevant fees, including home insurance. At the same time, it is necessary to handle the house transfer and related mortgage procedures. The borrower should go to the transaction area of the house to handle the transfer and mortgage procedures of the house, and also need to collect relevant mortgage services through the mortgage service company. There are also some certificates of other rights on the real estate license, and the mortgage service company is also a copy of your certificate and other rights. This is also an important step in the second-hand housing loan process. If the bank receives more problems than the borrower, the mortgage service company can also issue the corresponding loan amount to the borrower. This is also the last step of the second-hand housing loan process.
What should be paid attention to in the process of second-hand housing mortgage and mortgage?
Second-hand housing-related mortgage loans can also refer to individuals who can pay a certain percentage of down payment when buying a house, and the rest is also mortgaged by the purchased property, under the condition that they all have property certificates and can be traded in the market. Buyers and sellers also need to sign a house sales contract. At the same time, in the contract, it is also necessary to stipulate that the buyer will pay the relevant house payment through the second-hand housing loan, and it is also necessary to stipulate the proportion of down payment and loan. In this link, the buyer can check the water, electricity and other related documents in the seller's real estate license while looking at the house on the spot. The above is related to the difference between second-hand housing mortgage loan and mortgage process, hoping to help everyone.