If you need to apply for a personal second-hand housing loan in BOC, the application process is as follows:

1. Signing a sales contract: The borrower signs a house sales contract with the seller.

2. Apply for a loan: the buyer and the seller submit the required relevant materials to the loan bank, and the buyer fills in the Application Form for Second-hand Housing Mortgage Loan;

3. Real estate evaluation: China Bank will evaluate the transaction house after receiving the loan application materials from the borrower;

4. Loan approval: China Bank approves the loan application and determines the loan amount and term. Personal second-hand housing loan business must adhere to the relevant approval principles;

5. Signing a contract: the borrower, the lender and the guarantor sign a loan contract, and the contract needs to be notarized;

6. Handling the formalities of real estate transfer and mortgage registration: the lender or the real estate agency recognized by the lender shall handle the formalities of real estate transaction transfer and mortgage registration;

7. Signing the debtor's receipt: After receiving the certificate that the borrower has completed the registration of mortgaged property, the lender will notify the borrower to sign the debtor's receipt at China Bank;

8. Lending: the lender transfers the loan to the designated account according to the agreement of the buyer and the seller, and then the buyer and the seller go to the bank to handle the loan issuance procedures;

9. Repaying the principal and interest: The borrower shall repay the principal and interest from the month following the loan issuance.

Please consult the local branch of Bank of China for details.

The above contents are for your reference. Please refer to the actual business regulations.

Housing loan procedure

With the improvement of economy, house prices are also rising, so now many people choose to buy a house with loans, which can reduce the pressure brought by buying a house. So what is the procedure for buying a house loan? Let's take a look with Bian Xiao.

I. Procedures for buying a house with a loan

Identity card, marital status certificate, income certificate or local tax payment certificate of the borrower, spouse's identity card, marriage certificate, etc. For married people, you also need a house property certificate and a guarantor.

Second, the housing loan process

1. Submit a loan application

After signing the contract, the buyer and the developer can apply for a loan from the bank, which is the most important step in the loan process, and at the same time, all the materials that need to be audited should be submitted to the bank.

2. The bank is under investigation

After receiving the application materials, the bank will review the submitted materials. The review time is generally 15 working days, and the longest time will not exceed one month. During the bank audit, the bank will ask the parties to submit some information according to the situation, so the parties should keep in touch with the bank during this period.

3. Bank verification and approval

The general bank will verify the loan from several aspects, such as the situation of the house purchased and the borrower's credit information, which are all important links in the whole process. Because if the borrower's credit is not good, it will directly affect the loan application, so we should pay attention to credit investigation in our daily life to avoid this situation.

4. Both parties shall go through relevant formalities.

After the application is approved, the bank will inform the lender to open an account in the bank and sign a loan contract with the bank at the same time as receiving the debit card. Secondly, you have to go through the guarantee procedures such as pledge and insurance. When signing a contract, you should read the terms of the contract carefully. If there are terms that are not conducive to you, you should communicate with the bank in time to avoid some unnecessary misunderstandings in the future.

5. Banks issue loans

After the above process is completed, the bank will transfer the borrowed funds into the account of the real estate developer, and at this time, a loan relationship with the bank will arise, and finally the lender will repay the loan according to the regulations.

Housing loan process and steps

Steps and precautions of housing loan:

1. Prepare loan materials in advance: copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, copy of education certificate, copy of income certificate and bank account, copy of house purchase contract and down payment invoice, and relevant social security certificates, etc.

2. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.

At present, there are two main repayment methods for buying a house with bank loans, namely, equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high.

4. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.

5. The whole purchase process: customer qualification review, house inspection, signing sales contract, online signing, fund supervision, tax payment, transfer, property delivery and fund unfreezing.

6. Commercial loan purchase process: customer qualification review, house inspection, signing of sales contracts, online signing, evaluation, fund supervision, face-to-face signing, loan approval (loans can only be approved after all documents are complete), tax payment, transfer, real estate license issuance, mortgage registration (mortgage time is different in different urban areas), certificate issuance of other rights of houses, and bank loan issuance (the specific time depends on the bank quota).

7. The individual housing loan will be repaid from the next month after the loan. There are two repayment methods, one is equal repayment of principal and interest with fixed monthly principal and interest, and the other is equal repayment of principal with constant monthly principal. Banks often use equal principal and interest to repay. Because in this way, within the same loan period, the monthly repayment is fixed, and the repayment pressure is small.

8. The buyer and the seller and the bank shall go to the real estate management department for mortgage registration with the mortgage loan contract and the purchase contract. Usually, banks also require buyers to handle personal insurance and property insurance, and indicate that banks are the first beneficiaries.

9. If it is a second-hand house, you need to transfer the ownership. The general intermediary company will guide the preparation of relevant materials, and then the warrant officer will assist in the transfer of property rights.

Flow chart of housing loan

The process of house loan is to sign a house purchase contract with the developer first, then pay the down payment, and then go to the bank to apply for a house loan. After the loan is approved, it will be signed in person and then released.

Housing loan.

Housing loan refers to the loan business in which the buyer applies for a loan from the bank to pay the purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments. Also known as mortgage loan. The process of buying a house by loan is: preparation before house inspection-field house inspection-lottery, house selection-subscription, down payment-online signing, contract signing, down payment-loan-house inspection-tax payment-house book. These processes will be described in detail below.

The specific process of buying a house with a loan

(1) Before preparing to look at the house, you must first determine the type of real estate you want to buy, and then allocate funds reasonably according to the type of house you want to buy.

(2) See the house on the spot to understand the specific situation of the whole building. If you buy an existing house, you can intuitively see the structure and apartment type of the house, and you can also ask the property consultant about the surrounding facilities and planning and construction. If it is an auction house, you can only look at the floor plan to understand the structure of the house. As the surrounding facilities are still under planning, property buyers can check the surrounding planning documents.

(3) house number arrangement and house selection. For some centrally opened properties, developers will require buyers to number the houses, and then choose houses according to certain rules when the real opening day comes. When choosing a house, buyers can make a backup plan in advance, mainly from the following six aspects, including location, price, surrounding municipal planning, environmental support, housing structure and orientation, and property management.

(4) Subscription and deposit Before choosing the house to be subscribed, the buyer needs to prepare the materials for the qualification review of the house purchase in advance, sign the subscription book and hand it over to the staff of the developer. At the same time, a part of the deposit will be paid at the time of subscription. The deposit has a receipt (UnionPay receipt), and the amount paid by the deposit does not exceed 20% of the total house price specified in the contract.

⑤ After the online signing, signing and down payment are submitted to the house purchasing qualification review, the review results will be issued within 10 working days. If approved, the developer will inform the buyers to sign the purchase contract. (Xianfang: Xianfang sales contract; When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the rights and obligations in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, and whether the delivery date and delivery standard are clear. Pay the down payment. Generally, there will be a pos machine in the sales office. The UnionPay receipt paid by credit card should be kept away, waiting for the developer to issue the down payment invoice. Usually you can get it on the same day.

⑥ Loan If a bank staff is stationed in the sales office, the buyer can hand over the prepared materials to the bank. The lending time is related to the processing speed of banks and the capping of buildings. Take Beijing as an example. In the case of auction, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of state-managed provident fund loans has nothing to do with capping or not.

⑦ Buyers need to wait for the developer's notice to close the house, and pay attention to the closing time. When inspecting the house, you should carefully check every detail of the house, or you can find a professional to inspect the house. Look up "three certificates, two books and one table" If the developer can't produce these documents, he can refuse to accept the house.

After paying taxes and collecting the house, you need to go to the local taxation bureau to pay taxes. Generally speaking, commercial housing needs to pay deed tax and residential special maintenance fund, and then pay property fees, heating fees, parking spaces and other fees.

Pet-name ruby for housing loans to buy a house, property buyers just need to hand over the preparation materials to the developer. Under normal circumstances, the housing will be released within 180 days (existing house) -270 days (forward house) from the date of occupancy.

Matters needing attention in buying a house by loan

1 Personal credit record A good personal credit record is very important. If there is a six-month overdue record for three consecutive months, then basically the bank will not give you a loan.

2 proof of income the proof of income should cover twice the liabilities in the name of the individual, and the month of bank flow should be issued according to the requirements of specific banks.

(3) Keep the shopping invoice. Invoices for housing loans include down payment invoices and loan invoices. If you buy an existing house, you need to pay taxes with these two invoices when you pay taxes; If the purchase is faster, there is a difference in area, developers will generally re-open a down payment invoice to recover the previous invoice. If the down payment invoice is accidentally lost, the developer will not change the invoice, and the buyer needs to go through the formalities of missing the invoice, because there is no way to make up the invoice.

4 provident fund loans It should be noted that provident fund loans need to be paid in full for 12 months continuously, and they are still being paid before applying for loans. Compared with commercial loans, provident fund loans take a relatively long time.

This concludes the introduction of the flow chart and picture book of the house loan bank. I wonder if you found the information you need from it?