Current location - Loan Platform Complete Network - Loan intermediary - What are the procedures for buying a house with unmarried loans?
What are the procedures for buying a house with unmarried loans?
First of all, go to the bank to understand the relevant situation; Apply for individual housing loan with all relevant materials; Then accept the bank's audit and determine the loan amount; Next, you can apply for a loan contract and the bank will apply for insurance; Handle the registration and notarization of property right mortgage; The last thing left is the bank issuing loans, and the borrower cancels the registration after paying off the principal and interest every month.

Documents needed to buy a house without marriage

1. Original and photocopy of ID card;

2. The original and photocopy of the household registration book; Account book needs home page, personal page and home page;

3. Single certificate (two copies, one for bank loan and one for real estate center);

4. When opening a single certificate, you need to bring your ID card, household registration book and three two-inch photos (one needs two, two needs three, and three needs four);

5. Buying a house in a foreign country also requires a social security certificate; I took my ID card to the social security center to issue it on the spot.

What are the procedures for buying a house without getting married?

1, checking property rights is the key.

Buying a house must depend on whether the relationship between land and housing property rights is clear, whether there are any disputes left over, and prevent one room from being sold for two; Review the integrity, authenticity and reliability of housing property rights. Pay attention to whether the owner's name on the real estate license is the same as that of the seller, whether there is mortgage or co-owner, etc. It is necessary to find out whether the house you buy is a commercial housing fund-raising house or an affordable housing.

If it is faster, first understand whether the developer has the pre-sale qualification of commercial housing, that is, check whether the "five certificates" are complete. Five certificates refer to construction land planning permit, construction project planning permit, construction permit, state-owned land use permit and commercial housing sales (pre-sale) permit.

Step 2 sign a contract

Confirm the legal status of buyers and sellers, and review their qualifications before signing the real estate agency contract to see if they have gone through the industrial and commercial registration procedures; Check the other party's power of attorney to confirm that the other party is the legal agent of the seller. When signing the sales contract, the buyer must pay the down payment or deposit for the house purchase, and remember that the money should be handed over to the seller in person, and the seller will issue a receipt. When giving it to others, you must review the other party's power of attorney to confirm whether the other party is the legal agent of the seller.

Step 3 go through the formalities

The necessary procedures cannot be simplified. After three steps of house selection, house inspection and contract signing, we enter the substantive stage of buying a house. Specifically: housing area mapping, housing value evaluation, housing mortgage loan, housing property transfer, and receiving receipts.

After buying a house, you should apply for a real estate license as soon as possible, and urge the seller to move out of the account as soon as possible; Don't simplify the procedures, don't trade privately, and go through the transfer formalities legally and thoroughly. The transfer of property rights must be reported to the property rights department before the transfer formalities can be handled.

Step 4 hand over the house

After completing all formalities as agreed in the contract, the Buyer and the Seller shall hand over the house according to the contract, check and accept the house decoration and ancillary facilities that cannot be removed in the house, and the buyer shall pay after passing the inspection. The buyer should not pay off all the house payment before obtaining the real estate license.

Regarding the payment of taxes and fees, it should be indicated in the "Sales Contract" which party will bear it, and the unspecified ones will be borne separately according to the regulations; Finally, according to the regulations of the real estate trading center, I must be present in person when I receive the real estate license. If you can't get the license at the scene for some reason, you should go through the notarization formalities of entrusted license in advance.