2. Non-Xi 'an household registration families need to bring: valid household registration certificate, marriage certificate, personal income tax or social insurance certificate (continuous payment for more than 2 years/including 2 years) and other necessary proof materials when buying a house. With these basic materials, they are eligible to buy a house in Xi 'an.
Xi mortgage to buy a house process
1. After submitting the house purchasing qualification review, the review results will be issued within 10 working days. After the approval, the developer informs the buyers to sign the purchase 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 a down payment. General sales offices will have pos machines. Please keep the UnionPay receipt for payment and wait for the down payment certificate issued by the developer. Usually you can get it on the same day.
2. The lender shall fill in the application form for personal housing loan from the bank and provide relevant information. Information includes: resident identity card or other valid documents; Proof of the borrower's economic income or solvency; A contract or agreement to buy a house, etc. The relevant information provided by the borrower to the bank must have the original and three copies.
3. The lending bank reviews and evaluates the authenticity, legality and feasibility of all documents and materials submitted by the borrower that meet the specified requirements, and gives a reply to the loan applicant within the specified working days (the number of working days for each bank to reply is slightly different).
4. After the lender agrees to the loan, the borrower signs a loan contract with the lender, and goes through the guarantee procedures such as pledge contract, mortgage contract or guarantee contract according to the loan guarantee method.
5. After signing the loan contract, the lender must go through other procedures such as insurance, mortgage registration, contract notarization, etc. according to the national laws and regulations and the relevant provisions of the bank.
6. Both parties shall determine the loan amount and term according to the loan contract. The maximum amount of commercial loans for individual housing shall not exceed 75% of the value of the purchased housing, and the longest loan period shall not exceed 30 years.
7, after approval, the loan. The borrower opens an account in the bank, pays the down payment for the house purchase, the house purchase agreement takes effect, and the borrower begins to repay the principal and interest on schedule.