Second, the bank interview: the buyer and his spouse need to go to the bank for an interview and take photos. Face-to-face signing is generally to sign some information, including the loan contract. Singles will have single certificates and other documents. Some basic information such as loan amount, term and repayment method. Need to communicate and sign face to face. Another important thing at this stage is the authorization of credit inquiry. This is more important. Credit information is not available to anyone who wants to check it now. You must get my authorization. (The issue of credit reporting will be discussed in detail next time.)
Three. Loan approval: after the face-to-face signing is completed and the required information is complete, the bank will report the loan, which usually takes one or two days to complete the approval. At present, the bank's loan amount is still relatively sufficient. After the approval, the bank will inform the customer to go to the real estate registration center for pre-mortgage. This may be different according to different regions, and some places are directly mortgaged after the real estate license is completed.
Four. Tips for some common problems: First, when making a down payment, you must not use a credit card! Don't use online loans! You can pay by card transfer of yourself, spouse and immediate family members, or you can pay by WeChat. Second, if a person tries to provide a card or husband and wife, some banks looking for gold will not admit it. Third, be careful not to be overdue! If there are one or two small overdue payments before, the general bank will also recognize them. At present, a small amount of non-malicious overdue within 200 is acceptable, and the overdue amount is generally hopeless if it exceeds 6 times in a row. Fourth, the repayment method. The biggest difference between equal principal and interest and average capital is whether the monthly repayment amount is the same. The monthly repayment amount of equal principal and interest is the same. In the average capital, the larger the repayment amount in front, the smaller the repayment amount in the back. Customers are advised to choose according to their own situation. Judging from the principal and interest of the total loan term, the total repayment amount of equal principal and interest will be greater than the average principal, but for those who repay in advance, the difference between the two will not be too great. Fifth, advance payment. Generally, you can repay the loan in advance after one year, and pay it once or twice a year. You can communicate with the loan bank in advance.
No, different banks have different policies. Is there a chance to continue the discussion?
Related Questions and Answers: What about mortgage to buy a house? 1. What is mortgage? Mortgage is a commercial loan for individual housing and a self-operated loan issued by banks with their credit funds. Specifically, it refers to the commercial housing loan that a natural person with full capacity for civil conduct applies to the bank for repayment of the loan with the purchased property right housing as collateral when purchasing owner-occupied housing in the cities and towns of this city. 2. The owner who applies for mortgage should have the qualification of 65,438+0 and be a China citizen (including mainlanders, Hong Kong, Macao and Taiwan people) over 65,438+08 years old. 2. When the loan expires, in principle, women should not exceed 55 years old and men should not exceed 60 years old. 3. They have stable and legal jobs and income sources. Ability to repay and pay interest. 4. The borrower agrees to use the purchased house and its rights and interests as collateral. 5. Pay the down payment on the house. 6. Other conditions required by the lending bank. 3. The owner who chooses the mortgage method should provide the materials 1. Mainlanders should provide identity cards and household registration books uniformly printed by public security departments. People from Hong Kong, Macao and Taiwan should provide ID cards, Home Visit Certificates or Taiwan Compatriots Certificates respectively. 2. Mainland people should provide the original proof of income stamped with the official seal of the unit, and Hong Kong, Macao and Taiwan people should provide the tax bill issued by the local tax authorities. 3. Pay down payment receipt (down payment should account for more than 30% of the total payment) 4. Personal housing mortgage loan application form signed by the buyer and the seller. Other conditions required by the lending bank (such as proof of property such as passbook, real estate license or a copy of the business license of the owner himself as the legal representative) 4. Mortgage process * When signing the house sales contract, the mortgage owner shall provide the company (developer) or mortgage bank with the materials required in Article 3 of the Guidelines * The mortgage owner shall fill in the Application Form for Personal Housing Mortgage Loan * The bank shall review the qualified owners to participate in the signing of loan contracts, loan receipts and other documents by the developers, banks, notary offices and insurance companies at the joint office site. Pay insurance premium, notarization fee, mortgage registration fee, attorney fee, stamp duty, etc. * Submit the mortgage information to the bank for signature and seal * Submit the relevant materials to the Land and Resources Bureau for mortgage registration * The bank issues loans * The mortgage owner will transfer the money to the designated account from the month after the bank issues the loans according to the notice and retrieve the notarized loan guarantee contract, iou, etc. * The borrower repays the mortgage on a monthly basis * The mortgaged property is cancelled, and the owner takes back the original invoice, real estate license and insurance policy. Note: After joining the mortgage joint office, the mortgage owner starts to make contributions, and the mortgage owner should promptly deposit them into the deduction account opened by the bank for the owner; V. Taxes and fees to be paid for mortgage/rate/charging unit 1, notarial fee, sales contract, total sales price 0.3%, loan amount of notary office loan contract 0.3%2, insurance premium 0.65438+ total sales price 0% * loan term * discount factor insurance company 3. The loan amount of mortgage registration fee is less than or equal to 6,543,800 yuan, and the loan amount of 6,543,800 yuan is more than 6,543,800 yuan. Loan amount *0.0 1%4, stamp duty loan amount *0.005% Tax Bureau 5. Attorney's fees The sum of the present value of the insurance premiums payable according to the insurance amount per 10,000 yuan stipulated by the lending bank (1998 65438+February 14). The term of mortgage is one year, two years, three years, four years, five years, six years, seven years, eight years, nine years and ten years. The total premium is 10 19.5228. The mortgage term is eleven years, twelve years, thirteen years, fourteen years, fifteen years, sixteen years, seventeen years, eighteen years, nineteen years and twenty years, and the total premium is 87. 3664 864+018.39122.75/kloc-0. As a property buyer, you don't need to master the detailed process details, just know the general steps and things to do:
First, you have to confirm the purchase transaction. Whether it is a first-hand house or a second-hand house, buying a house is the premise of mortgage, that is, you should choose a good house, determine a good price and reach a consistent transaction.
So generally speaking, in order to prevent the transaction from failing, no matter whether it is a developer or an intermediary, as long as it is more formal, you will generally be required to cooperate with the inquiry of your housing purchase qualification and loan qualification, such as how many suites you have had, how many loans you have borrowed, and whether there are any bad credit records. This is responsible for you. If I sign a contract with you without asking you about the specific situation, you should be cautious instead. Once something goes wrong later, it is easy to have an argument.
Third, if there is no major problem in the qualification inquiry and it meets the corresponding purchase conditions and loan conditions, then the developer will sign a commercial housing sales contract with you, and the intermediary will sign a second-hand housing transfer contract with you with the landlord. Then they will go through the contract filing procedures.
4. After signing the contract (sometimes you are required to prepare before signing the contract and submit it when signing the contract, which is pre-work), the developer or intermediary will ask you to prepare all the materials needed for the loan, similar to the materials such as identification and credit investigation, depending on the requirements of the loan bank and your personal situation.
Generally speaking, they are all general materials. If you have a bad credit record, too many loan records or unstable work income, you will be asked to add some materials. The worst thing may be that the loan will not pass. At this time, you can ask developers and intermediaries to try to change banks, and they will take the initiative to help you do this. There is still a great possibility of passing after changing banks. But if your credit or economic conditions are so bad that all banks can't pass, it's a little troublesome. Developers and intermediaries will turn against you and ask you to make up the house payment at one time. So before buying a house, you should also measure your qualifications yourself. If you obviously don't meet the requirements, don't force it.
Fifth, if there is no problem in the review of mortgage materials, the developer or intermediary will inform you to sign a loan contract. (In some cases, the developer or intermediary will ask you to sign a blank loan contract in advance when you sign the house purchase contract, which saves you two trips. It's no big problem, but strictly speaking, the standardized procedure should be to review the conditions before signing. )
Sixth, the developer and the intermediary will help you to handle the pre-mortgage registration of the purchased house (you don't have to worry about this, it is basically handled by the developer or the intermediary, you can cooperate).
Seventh, the developer or intermediary will hand over the pre-mortgage certificate to the loan bank. If the bank has the existing quota, it will lend money soon. If it has no quota, you will have to wait in line for the quota. After lending, the bank, developer or intermediary will inform you that the mortgage has been lent.
This is the end of the mortgage loan procedure. If it is a second-hand existing house, you can turn over the key with the landlord; If it is a new house, wait for the delivery time agreed in the contract to get the house.