Mortgage loan processing flow:
Step 1: Before applying for a loan, the borrower should find out whether the purchased building has a letter of commitment issued by the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank.
Step 2: Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form.
Step 3: loan bank: the loan officer will review all the materials and documents submitted by the loan applicant and approve them step by step.
Step 4: The loan bank takes back the completed materials and issues loans according to the legally effective loan contract.
Step 5: Property Right Registration Notary Office of Land and Resources Bureau: Go through the formalities of property right mortgage registration.
Step 6: Inform the developer to take back the loan contract, and the developer will issue a certificate to the loan bank to pay off the house payment.
Step 7: Inform the borrower to get back the loan contract, iou and insurance policy.
Step 8: The loan officer of the loan bank files the loan.
1. Invoice will be issued after the loan is approved, and deed tax will be paid, which is 65438+ 0.5% of the total house price.
We have to pay the maintenance fund before we can apply for the real estate license. This is elevator 78 yuan /m2 and escalator 5 1.6 yuan /m2. You can check with the local real estate bureau.
3. The handling fee of real estate license is around 300 yuan.
4. The entrance fee, which you paid before entering the house, is generally around 4,000 yuan if you don't make up the area payment. 5. Some loan banks or provident funds are guarantee companies and need to charge a guarantee fee, which is = total loan amount * loan period *0.8‰ (for reference only).
So, what else should we pay attention to when handling mortgage loans?
First, the loan interest rate discount
Buying a house now should be based on the latest policy, and this detail must be checked, and different banks have different policies.
Second, choose the repayment method.
Maybe many people who haven't bought a house don't know there are other ways to repay the bank loan. Family conditions are limited, save a little if you can. There are two repayment methods:
1, equal principal and interest repayment.
Most families, since they have borrowed for 20 years, can't repay their loans in a few short years, but they can usually repay them after 10 years. In this way, the interest income of the bank will be reduced a lot, so in this way, you will have to pay the interest for the previous year 10, and the principal will not be reduced much. Even if you have money, if you pay it back, the interest of the bank has earned more than half, and you will not lose anything to the bank if you pay it back in advance.
2. Repayment of equal principal.
Everyone should choose the most suitable repayment method according to their own economic situation.
(The above answers were published on 2015-11-04. Please refer to the actual purchase policy. )
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