1. Having legal identity documents means having legal citizenship;
2. Have good personal credit and the ability to repay the loan principal and interest;
3. Agree to use the house you bought as collateral for the bank;
4. The property right of the purchased house should be clear and can be circulated in the real estate market;
5. The purchased house is not within the scope of the demolition announcement;
6. Need to open an account in CCB and save enough down payment;
7. There is no bad credit record when applying for a loan;
Of course, in addition to the above points, the applicant also needs to meet the requirements of other matters stipulated by the bank, otherwise it may be rejected.
Materials to be prepared for second-hand housing mortgage loan:
1. Legal and valid identity documents of the borrower;
2, the borrower's economic income certificate or occupation certificate;
3. The account book of the borrower;
4. Borrowers with spouses need to provide proof of husband-wife relationship;
5. If * * * is the same as the borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the repayment responsibility;
6, the purchase of second-hand housing property certificate;
7. The house sales contract signed with the seller and the transfer account number provided by the seller.
8. If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;
9. The property right of the purchased house * * * A written authorization document that someone agrees to sell the house;
10. Other documents or materials required by the lender.
Second-hand housing mortgage process:
Because in the process of handling second-hand housing loans, banks need pre-approval, and transfer is allowed after approval.
The specific transfer procedures for buying and selling second-hand houses and handling mortgage loans are as follows:
1, 1, submit materials and apply.
The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in.
The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation.
2-7 evaluations in 2 days
According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.
3 Day 8 Bank Approval-10
Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time for each business can be completed in 1-2 days.
4. Pay the down payment, and handle the transfer on 1 1-33.
After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.
34-35 days for mortgage registration and insurance procedures, bank loans.
After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.