Excuse me, where can I apply for pre-mortgage of the house?
Housing pre-mortgage registration refers to the housing lender's handling of housing mortgage loan procedures with the Housing Authority, which need to be handled by the following departments one by one:
1. Borrowing and the borrower's spouse need to bring the required information, and then apply for a loan at the housing provident fund management department, and bring the credit report of the designated bank of the spouse's provident fund;
2. For loans, when the Housing Provident Fund Management Department fills in the Application Form for Housing Provident Fund (Entrusted) Loan, it is required to provide the original and photocopy of the payment notice, phased guarantee, credit report and pre-loan questionnaire;
3. Go to the real estate office for loan adjustment with the loan acceptance notice, determine the total loan amount and calculate the difference with the loan acceptance notice, collect the balance from the employees, and sign the employee housing agreement with the employees, together with the mortgage certificate of the auction house;
4. With the help of the employee housing provident fund loan folder, the loan goes to the designated bank to handle the housing loan related procedures, and the bank signs the mortgage contract of the loan, the loan payment voucher, the entrusted mortgage registration document, etc. Together with employees;
5. Pre-mortgage registration procedures are completed in all departments of the Housing Authority.
How much is the pre-mortgage fee for the house?
1. According to the regulations, if you buy an auction house, there are two links in the whole process of buying a house: one is that after the buyer signs the pre-sale contract of commercial housing, when applying for mortgage, he applies for pre-registration of mortgage of pre-purchased commercial housing with the loan bank, which is called the pre-mortgage registration fee.
2. Mortgage advance notice registration fee 80 yuan/piece (non-residential fee 550 yuan/piece); The second place is that after the commercial housing is completed and delivered, the buyers need to go to the loan bank for mortgage registration. At this time, there is a registration fee for 80 yuan/piece (not living in 550 yuan/piece).
3. The registration fee is charged to the applicant. The mortgage of housing rights is charged to the owner of the house, and the registration fee for the pre-mortgage registration of commercial housing is paid by the mortgagee.