Hangzhou real estate license loan process is as follows:

1. Prepare information and apply for a loan from a bank in Hangzhou. After the approval, the bank will appoint an evaluation agency to evaluate your house;

2. After the evaluation by the evaluation agency, issue an evaluation report, that is, how much is your house worth;

3. According to the evaluation report and your personal situation, the bank will give you the corresponding loan amount and loan period;

4. Mortgage the property right certificate and then transfer the money to your bank account.

The general process is like this, I hope I can help you ~

20 19 bank mortgage approval process:

First, the loan applicant provides the application form and loan materials.

The second is the account manager input system.

Third, the review of the credit sector.

Fourth, the approver approves.

Verb (abbreviation for verb) bank loan

Requirements for examination and approval of mortgage loan of Hangzhou real estate license:

1. Loan amount: 3-5 million.

2. Loan interest rate: Nianhua 7-7.5

3. Mortgage interest rate: a mortgage: 60% for commercial housing, with 40% allocated; Two mortgage: Deduct 60% of the mortgage balance one year after the mortgage repayment is completed.

4. Age requirement: less than 30 years old (including 30 years old)

5. Area: from 50 square meters (not emphasizing the second house)

6. Owner's age: 22-64 years old.

7. collateral requirements: commercial house and resettlement house

8. Credit request: The cumulative number of inquiries within two years shall not exceed 9 times (single time is not limited), and the number of inquiries within two months shall not exceed 3 times. The same inquiry is calculated once, and the lender will not calculate it.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy shopping!

How to use provident fund loans to buy a house in Hangzhou?

To buy a house with a provident fund loan in Hangzhou, you must first submit a loan application to the Housing Provident Fund Management Center. After the approval of the Provident Fund Management Center, you will go to the bank to apply for a mortgage loan, and then the normal bank loan process will follow.

Information required for individual housing provident fund loans:

1. Personal housing provident fund loan application form (to be filled in when submitting the application materials); (original)

2. Valid certificates such as resident ID card and household registration book; (Bring the original and keep 2 copies)

3. Proof of marital status; (Bring the original and keep 2 copies)

4. Purchase contract, first-phase purchase invoice (first-hand building), first-phase receipt and transfer voucher (provided before the second-hand building applies for a loan); (Bring the original and keep 2 copies)

5. Mortgage account (the mortgage account provided by the borrower must be a local bank account opened with 18 ID card) and collection account (the mortgage account provided by the payee must be a local bank account opened with 18 ID card). In order to ensure normal repayment, it is recommended to use a first-class account; (Bring the original and keep 2 copies)

6. Real estate license (provided by the second-hand building)

7. Housing appraisal report (provided by the second-hand building)

8. Proof of real estate registration inquiry under personal name; (original)

9. Personal credit report (query and print by loan acceptance outlets); (original)

10. To undertake other documents and materials required by the bank. (Bring the original and keep 2 copies)

Provident fund loan purchase process:

(a) the borrower to apply for housing provident fund loans to the city housing provident fund management center to submit a written application, fill in the housing provident fund loan application form and truthfully provide relevant information.

(II) The Municipal Housing Provident Fund Management Center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount, loan term and contract completion, and then the borrower signs relevant contracts or agreements with the center, and handles insurance according to the regulations of the People's Bank of China.

(three) after the loan procedures are completed, the city housing provident fund management center will issue a loan approval notice to the bank, and the bank will handle the loan issuance procedures after receiving the loan notice.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy shopping!

Buying a house is essential! The most comprehensive portfolio loan application strategy in Hangzhou

With the continuous growth of housing prices, we often encounter this kind of trouble when buying a house, and the amount of provident fund loans is not enough. At this time, portfolio loans come in handy. The so-called portfolio loans are provident fund loans and commercial loans, because they involve two kinds of loans, so many friends are a little confused. Today, Xiaobian compiled a strategy for applying for a portfolio loan in Hangzhou to see if there is any answer you want.

1, Hangzhou portfolio loan terms

Applying for a portfolio loan in Hangzhou needs to meet the loan conditions of both individual housing mortgage loan and individual housing provident fund loan. It is important to note that the lender (principal lender) of the portfolio loan must be the same person.

Suppose you apply for a portfolio loan in China Construction Bank, you need to meet the commercial loan conditions of China Construction Bank and the loan conditions of Hangzhou Provident Fund.

2, Hangzhou portfolio loan application materials

The original and photocopy of the ID card of the borrower and spouse, the original and photocopy of the borrower's marriage certificate, the original and photocopy of the down payment certificate, the original and photocopy of the household registration book, the blue-printed household registration book or the household registration page (temporary residence permit is required for foreign household registration), the copy of the house purchase contract, the certificate of fixed income and the copy of the provident fund card are required for portfolio loans.

3. Hangzhou portfolio loan process

Simply summarized as: apply for provident fund loans → submit housing-related materials → wait for the preliminary results, handle commercial loan procedures → pass the final review, sign a contract → wait for loans.

4, Hangzhou portfolio loan approval time

Under normal circumstances, it takes about two months from applying for a portfolio loan to obtaining a loan, of which the approval time is about one week. The specific time will be affected by factors such as poor application time, incomplete information and policy changes.

After the approval, you can wait for the loan. How much do you know about Hangzhou portfolio loan repayment?

5. Hangzhou portfolio loan interest rate

Commercial individual housing loans in Hangzhou portfolio loans are implemented according to the interest rate of individual housing loans. The part of the provident fund loan is implemented according to the interest rate of individual housing provident fund loan.

Hangzhou provident fund loan interest rate: the loan interest rate of the second house with a term of less than five years will rise by 10%.

Interest rate of commercial loans in Hangzhou: the benchmark interest rate of central bank loans is one to five years, and the interest rate of commercial loans in Hangzhou will fluctuate according to this standard.

6, Hangzhou portfolio loan down payment ratio

The down payment ratio of Hangzhou provident fund loans is 20%, and that of commercial loans is 30%. According to the principle of whichever is higher, Hangzhou portfolio loan needs 30% down payment.

What are the procedures for buying a house loan in Hangzhou?

The procedure and flow of housing mortgage loan is like this. First of all, please go to the bank to understand the relevant situation. And apply for individual housing loans with all relevant materials. Then accept the bank's review of you and determine the loan amount. Next, you can apply for a loan contract and the bank will handle insurance. Handle the registration and notarization of property right mortgage. The last thing left is that the bank cancels the registration after issuing the loan, and the borrower repays the loan on a monthly basis and pays off the principal and interest. After the above procedures and formalities, you can get a new house through mortgage. The process of formal bank processing is as follows: first, the borrower needs to submit a series of materials to the bank except the ID card, including (1) loan application approval form; (The lender shall fill it directly in the lending institution) (2) Proof of residential address; (certificate issued by the neighborhood Committee or invoice for water and electricity payment) (3) proof of work income; (4) Other information required by the bank. Secondly, after the bank approves the application materials submitted by the borrower, the two parties sign a loan contract. Finally, the bank issues loans to borrowers through transfer. Housing mortgage loan process 1, the developer puts forward the intention of mortgage loan cooperation to the loan bank; 2. The loan bank investigates the developer's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified developers; 3. The purchaser and the developer sign the Commodity House Sales Contract and pay the required down payment according to the contract requirements; 4. Within seven days from the date of voluntary payment, the purchaser shall provide materials that meet the requirements of the mortgage bank and directly apply to the developer cooperative bank for mortgage loan. Specifically, it includes: commercial housing sales contract (for filing and registration), purchase down payment receipt, ID card, marriage certificate, income certificate and other materials deemed necessary by the bank; 5. The loan bank investigates and reviews all aspects and procedures of the purchaser, and goes through preliminary procedures with the purchaser who meets the basic conditions (including the spouse of the purchaser), including loan application, joint repayment statement, commitment letter, conversation record, loan contract, IOU, etc. Then the buyer opens a deposit account or bank card in the loan bank, and the bank reports it to the superior bank for approval; 6. The application approval period is generally within 7 days. For overdue loans, the marketing department will dock with the bank in time to understand the situation, solve the problem, actively assist the purchaser to complete the loan, and sign the phased guarantee procedures with the mortgage bank in time; 7. Handling of problem customers: (1) If the buyer at the application stage applies to cancel the mortgage loan for his own reasons, the buyer shall pay off the balance in one lump sum within 20 days from the date of cancellation; (2) If the loan amount finally approved by the bank does not reach the total mortgage amount, the purchaser shall make up the balance within 10 days from the date of bank approval; (3) If the bank mortgage loan is not approved due to the buyer's own credit, identity, repayment ability and other reasons, the seller will not return the house. According to the actual situation, the first choice is to adjust the loan bank's separate application, but if it is still not approved, the purchaser can be changed according to the purchaser's application, and the contract purchaser can be changed into a related person with family or relatives. The marketing department shall timely apply for dissolution of the commercial housing sales contract and re-sign the contract. If the purchaser refuses to change the contract, he shall pay the house price in one lump sum within 30 days from the date when the bank mortgage loan is not approved, and the breach of contract shall be implemented in accordance with the relevant provisions of the contract; (4) For customers who have not applied for mortgage loans from loan banks for a long time, the sales staff should establish a supervision mechanism and record telephone notifications. If the notice is not handled for three consecutive times (15 days), the penalty shall be charged according to the contract; 8. After the lender approves the buyer's loan, the company will issue receipts and invoices to the buyer; 9. In the future, as long as the borrower leaves enough repayment amount in the deposit account or bank card before the 20th of each month (quarter), the loan bank will automatically deduct it from the borrower's account and settle it all at maturity; 10. After the loan is returned, the lending bank cancels the collateral and returns it to the customer. V. Consultation on mortgage flow chart → Apply for loan (buyer) → Review (provide information) → Sign loan contract and mortgage contract (bank) → Deal with contract notarization (notary office) → Relevant insurance (insurance company) → Deal with house property mortgage registration (real estate registration office) → Issue loan (obtain mortgage certificate) → Repayment by borrower → Deal with cancellation registration of mortgaged property (all loans are paid off) If you apply at China Merchants Bank, At the same time, you need to provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation. If you need to apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and hand over the information to the staff. If not, you need to directly contact the personal loan department at the local counter to provide your personal information and the purchased real estate for application. If you need to apply for a second-hand real estate loan, you will usually apply for a loan from the bank before going through the formalities of property transfer. You can provide your specific information and purchased property by contacting the local personal loan department at the counter, and the personal loan department at the counter will review your comprehensive situation and determine whether you can handle it. Mortgage to buy a house loan processing flow: 1. Choose real estate; 2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans; 3. Apply for mortgage loan; 4. Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will be issued with a loan consent notice or a mortgage loan commitment letter; 5. Property buyers can sign pre-sale and sales contracts with developers or their agents; 6. Sign a house mortgage contract. Clarify the rights and obligations such as the amount, term, interest rate and repayment method of mortgage loan; 7. Apply for mortgage registration and insurance. Usually, due to the relatively long term of mortgage loans, banks require buyers to apply for life and property insurance to prevent loan risks; 8. Open a special repayment account; 9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer; 10. The borrower repays the loan regularly according to the contract.

The above contents are for reference only, I hope I can help you. Thank you for your support to the business office. I wish you a happy shopping!

The diagram of Hangzhou housing loan process and the introduction of Hangzhou housing loan process come to an end. I wonder if you found the information you need from it?