2. Proof of the borrower's marital status (marriage certificate or single certificate);
3, foreign, foreign or single, to have a local account as a guarantee;
4. Proof of income and property of the borrower and spouse;
5. Purchase contract and down payment receipt;
6. Commitment letter of real estate mortgage;
7, bank housing mortgage loan application approval form.
How to handle housing loan
1, we should focus on this aspect. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans. After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
2. The bank receives the relevant legal documents of the mortgage application submitted by the buyers, and after examining and confirming that the buyers meet the mortgage loan conditions, it issues a loan consent notice or a mortgage loan commitment letter to the buyers. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
3. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan. Handle mortgage registration and insurance. Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.
4. Open a special repayment account. Open a special repayment account in a financial institution designated by the bank, and sign a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After completing the relevant formalities, the loan will be transferred to the bank account opened by the developer in the bank at one time as the purchase price of the purchaser.