1: Sign the sales contract with the landlord, pay the down payment and make an appointment for the transaction. Get the proof of no room before the transaction.
Step 2 make an appointment. First go to the bank and sign the provident fund agreement and some commercial loan documents with the landlord, then go to the housing management trading center to make a transaction, sign a contract, and get the deed tax payment schedule, which is usually 7 working days.
3. Pay taxes and fees such as deed tax at the trading center according to the list time. After payment, take the deed tax invoice to the bank to sign the provident fund loan contract, and wait for the notice to get the contract (almost 1 1 working day).
After receiving the call, I went to the bank to get the provident fund contract and went to the commercial loan counter to apply for a commercial loan. It usually takes 7 working days. We'll do it on Friday and come next week. It's super fast.
5. Take the contract given by the bank to handle the real estate license. Within 7 working days, the real estate license will come down. At the same time, other certificates will come down, but we are taking the real estate license, and the bank staff will get it and inform the provident fund center.
6: After obtaining the real estate license, the bank will lend money within 6 working days.
Many people find that the provident fund on 19 floor has been waiting for a long time, but I am so excited and happy since I waited for 6 days.
7: Go to the water and electricity transfer, and then give the key, even if it is all completed.
After the whole process, there are not too many places to run, and it is not particularly troublesome. We bought Nanhu District, so the process of the place where we run is: administrative examination and approval center (without house permit)-bank-real estate transaction center-real estate transaction center (paying deed tax)-bank (provident fund)-bank (commercial loan)-bank (taking contract).
It took us 32 working days to get the loan, which is about 1 month and a half. Not as long as everyone said. We started processing in late February of 16.
Suggestion: Friends who buy second-hand houses can apply for loans by themselves after the loan is completed. Let the intermediary do it for you, and you all have to sign it yourself. It is the same as going by yourself. Don't worry about trouble, it's really no trouble, and you can save the loan service fee. Well done! There is an internal evaluation in the bank, free of charge. If the price of your house is within their evaluation range, you can even save the evaluation fee.
I hope what I wrote is helpful to everyone.
(The above answers were published on 20 17-04-06. Please refer to the actual situation for the current purchase policy. )
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