2. If you haven't obtained the real estate license after the delivery of the new house, you can't go through the mortgage formalities.
What are the precautions for handing over a new house?
1, door locks, door and window handles, latches, locks, switches, etc. It should also be used smoothly. Whether the sliding doors and windows are hung firmly, whether the hanging rail and the ground rail are fixed firmly, and whether there is skew or shaking. Pay attention to whether all the keys to the door lock of the entrance door are delivered during the house inspection, and ensure that the door lock must be safe, the lock tongue can be opened and closed flexibly, and the anti-theft device is complete and easy to use.
2, metope, metope flatness is normal in the range of 3 ~ 5 mm, and then use the meter ruler to measure whether the roof is square, more importantly, pay attention to whether the doors and windows on both sides of the hole are square, and then test whether the external wall is internally insulated. When the wall of the blank room is accepted, it is necessary to check whether there is a plastering layer, whether there are empty drums, cracks, peeling and mottling, and whether the angle of Yin and Yang is square.
3, the top surface, mainly pay attention to whether there is a big skew between the top surface and the ground. It should be noted that the top surface of the kitchen, balcony and bathroom needs to be tested for water leakage many times.
4, the ground, first of all, judge whether there is a plaster layer and calendering, rub it with your feet to see if there is sand, whether the heating pipe, water pipe and electric pipe go underground needs to know if there are any traces, and whether it is consistent with the promised floor heating. Whether the floors of kitchen, balcony and bathroom are lower than other floors should also be understood clearly.
What are the procedures for real estate mortgage loan?
1, select the lending institution.
If buyers want to apply for real estate mortgage loans, they need to choose a good lending institution first. Generally speaking, they can choose to apply for real estate mortgage in the bank. The bank's loan interest rate is relatively low, safe and reliable, but the bank's approval speed and loan requirements are relatively strict. Although the interest rate of private lending is high, the audit requirements are low and the processing speed is fast. Therefore, choosing the right lending institution is a crucial step in the whole loan process.
2. Write the application and submit the materials.
After selecting a suitable lending institution, you need to submit application materials according to the requirements of the lending institution. The borrower and his spouse need valid identity documents, household registration books and marriage certificates; Personal income certificate; Certificate or statement of loan use; Proof of ownership of mortgaged property; Other documents or materials required by the lending institution.
3. Preliminary review.
Lending institutions conduct a preliminary review of mortgage loan information of property buyers. At this stage, there is no question about the buyer. As long as the materials submitted by buyers are true and reliable and meet the requirements of lending institutions, they will basically be approved.
4. evaluation.
Lending institutions will evaluate buyers' houses. Generally speaking, there are designated assessment agencies, and a certain assessment fee will be charged during the assessment, which is generally around three thousandths to five thousandths. The difference is fixed and progressive. The fees charged by different assessment agencies will be slightly different, and the charging standards in different regions are also different.
5. Approve loans and sign contracts.
After the house passes the evaluation, the lending institution will review it again according to the information and evaluation report provided by the buyers. After approval, the lending institution will communicate with you about the loan amount, interest rate, term and repayment method, and then you can sign the loan contract.
6. Apply for mortgage registration.
Property buyers need to go to the Housing Authority where the house is located for mortgage registration. At the time of mortgage registration, it is also necessary to prepare relevant materials: the applicant's identity certificate, marital status certificate, housing registration application, housing ownership certificate or property right certificate, state-owned land use certificate, mortgage contract and principal creditor's rights contract, and other necessary materials;
7. Loans
Finally, just wait for the loan.