Sign a real estate sales contract → submit a loan application → bank approval → sign a loan contract → handle the property transfer → implement the loan guarantee → the bank issues the loan → the applicant repays the loan on a monthly basis.

Application material

◆ The purchaser provides: ID card, proof of marital status, household registration book, proof of occupation and income, house sales contract, proof of down payment, and personal settlement account (passbook) of postal savings office;

◆ The seller shall provide: ID card, proof of marital status, household registration book, house title certificate, statement that the spouse and others agree to sell, and personal settlement account (passbook) of the Postal Savings Office;

◆ If other natural persons (or legal persons) provide guarantees for the purchaser, the guarantor shall be audited (or recognized) by the bank and provide relevant certification materials as required by the bank;

◆ Other materials required to be supplemented by the loan applicant after bank review.

The first step, loan application and preliminary evaluation; If the first step is unqualified, the following steps are unnecessary. )

The second step is to conduct a preliminary review of the loan;

The third step is to sign a mortgage loan contract for house purchase and notarize it, open a special deposit account and allocate the down payment for house purchase;

Step four, go through the formalities of house transfer, mortgage registration and insurance;

Step 5, loan approval and loan issuance;

Step 6: The borrower repays the loan on a monthly basis and pays interest. After the loan principal and interest are settled, the mortgage registration is cancelled and the contract is terminated.

1 day to submit materials and apply.

The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.

Day 2-7 Assessment

According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee. {What is normal in this step can be omitted, and no evaluation fee is required. }

Day 8-10 Bank Approval

Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days.

1 1-33 pay the down payment and handle the transfer.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

34-35 days for mortgage registration and insurance procedures, bank loans.

After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

Summary process: you sign a contract with the seller-pay the down payment-both parties transfer the ownership to the real estate center-and get the certificate (pay the deed tax) after 3 days.

-Both parties go to the bank to handle relevant formalities (notarization fee and information fee)-Bank evaluation (evaluation fee)-Sign a contract with the bank according to the evaluation price-register the mortgage-obtain other warrants from the bank-lend money.