Individuals buy a house, almost everyone can't escape the loan, but what are the procedures for individual housing loans? How to apply for a personal loan and what information do you need to apply for a personal housing loan? The following small series collects some procedures about personal housing loans, hoping to help you! The first step of commercial loan: there are three specific things to register for tax payment. Property buyers and developers sign pre-sale contracts and sales contracts; Buyers pay the down payment according to the specific requirements of the developer; Property buyers and developers each pay stamp duty at the rate of 0.5% of the house price. The second step of commercial loan: the pre-sale registration step is generally handled by the developer. The third step of commercial loan: after submitting the application to the on-site lawyer of the law firm designated by the bank, it begins to enter the substantive loan stage. When submitting the application, the buyer must provide the following information: 1. Id card (original and copy) 2. Household register (original and copy) 3. Temporary residence permit (only for foreign buyers, 3 originals and copies) 4. Marriage certificate (original and 3 copies) 5. Academic certificate (3 originals and 3 copies) 6. Copy of business license of legal person or private enterprise (original or copy with official seal) 7. Professional income and proof of income (3 originals and photocopies) 8. Beijing Domestic Commodity House Pre-sale Contract (Sales Contract) (original and photocopy) 10. Notice of approval for individuals from other provinces and cities to purchase houses in Beijing (3 originals and photocopies are required for purchases from other provinces and cities) shall be stated, and the applicant shall also provide the above information when there is an applicant. The fourth step of commercial loan: fill in the application materials. The loan lawyer will assist the buyers to fill in the application materials. The information specifically includes: 1. Application form for individual housing loan in quintuplicate. 2 individual housing loan contract description. 3. Receiving the contract for the ownership certificate of the loan house. 4. Power of attorney. 5. Commitment letter. 6. Dialogue record. 1. After completing the first four items, the developer must also require the buyers to pay 0.3% of the loan amount. The fifth step of commercial loan: the lawyer reviews the information and transfers it to the bank for commercial loan. Step 6: After signing the loan-related contract, the bank will review the lender's credit, loan amount and loan term. Signed a series of contract documents with the Lenders Association: 1. Individual housing loan contract in quintuplicate. China Pacific Insurance Company Personal Housing Insurance Application Form 1 in triplicate. Transfer Certificate of Personal Housing Guarantee Loan 1 copy 4. Stamp card 1 5 copies. Electronic money card application form. 65,438+0 deposit receipts. It should be noted that when signing the insurance policy, the house property insurance premium, the cost of repayment card (3 yuan) and the deposit of repayment card (10 yuan) should be paid, and all documents should be signed by the insured himself. If there are * * * applicants, all applicants should be present to sign. The seventh step of commercial loan: the loan applicant repays the loan every month.

How to apply for a mortgage loan

Mortgage with a house, usually the whole process has nine steps, as follows:

1. Apply to the bank

The borrower applies to the bank for a housing loan, explaining the purpose, amount and mortgaged house of the loan. If the application meets the requirements of the bank, the bank loan specialist will tell the borrower the specific procedures and what materials need to be prepared.

2. Submit loan information

Submit the loan application materials according to the requirements of the bank, usually including the borrower's ID card, bank account, personal credit report, homeowner's real estate certificate, etc.

3. Actual evaluation of house value.

After the bank lends the information, the bank will make on-the-spot investigation and evaluate the value. According to the location of the house and the surrounding environment, give a reference price and how much the house is worth.

4. Lending approval

The bank will submit the housing appraisal report and the previous personal application materials to the bank for loan approval, and give approval on whether and how much loans can be made according to the housing value and personal repayment ability.

5. Sign a loan contract

After the first trial of the loan is passed, the bank informs the borrower to sign a formal loan contract, which needs notarization.

6. Go through the mortgage registration formalities

Go to the real estate center for mortgage registration with different property rights and loan contracts.

7. Bank loans

After the above procedures are completed, the bank will transfer the loan to the borrower's personal bank card.

8. Repay on time

According to the loan contract, the repayment shall be made on time and shall not be overdue.

9. Go through the mortgage cancellation procedures.

After the house loan is paid off, the bank should issue a settlement certificate and go through the mortgage cancellation procedures at the real estate center.

The above nine steps are the whole process of mortgage loan. Under normal circumstances, it is handled in accordance with the above process, and individual banks will have small differences, but they are all similar.

How to handle the house purchase loan?

Nowadays, when people buy commercial housing, metropolises choose to borrow money from banks to pay the house price. It is a complicated process to apply for and handle bank loans. Next, let's learn how to handle the housing loan in Bian Xiao.

1. Property buyers apply to the bank.

If you want to pay the house price through a bank loan, you need to apply for a loan at the bank first. The bank will confirm whether the buyers are qualified to apply for loans according to relevant regulations, and if so, it will issue a certificate of consent to apply for loans. If not, buyers will not be able to borrow money, and will consider other ways to pay for the house when buying a house.

2. The buyer and the developer sign the purchase contract.

With the confirmation that banks can apply for loans, buyers can rest assured that they can sign purchase contracts with developers. Because of the current mortgage policy, after signing the contract, buyers need to pay a down payment of not less than 30% to the developer.

3. Go through the formalities of bank housing loan.

After the down payment is paid, the Development Association will provide the buyers with the down payment certificate. At this time, buyers can bring down payment vouchers, purchase contracts, personal ID cards, household registration books and other materials to the bank to apply for house purchase loans, and pay deed tax and other fees at the deed tax window during the period.

4. Bank audit

After the loan formalities are completed, the bank will review the materials submitted by the buyers to confirm the loan amount, loan interest rate, loan term, repayment method, etc., and also need to open a repayment account in a financial institution designated by the bank.

5. Acceptance of house delivery and loan

When handing over the house, the developer will inform the owner of the house to accept the house. After the house is accepted, it can be handed over. At this time, the buyer can get a copy of the real estate license. The original is mortgaged in the bank and can only be obtained after the loan is paid off. After the house is delivered and the property is delivered, the bank can transfer the loan to the developer.