Yes, there are generally two kinds of purchase contracts for purchasing new houses: the pre-sale contract of commercial housing (auction house) and the sale contract of commercial housing (existing house). Its format is in quadruplicate, one for the developer, the purchaser, the loan bank and the Housing Authority; The purchase contract for the purchase of second-hand houses is signed by the buyers and sellers themselves. In order to facilitate management, it is required to fill in the unified format contract formulated by the Housing Authority.

Mortgage loan process

1. application

The customer submits a written loan application to the bank and submits relevant materials.

Step 2 sign a contract

After receiving the loan approval notice from the bank, the loan applicant shall sign a loan contract and a guarantee contract with the loan bank, and handle notarization, mortgage registration, insurance and other related procedures as appropriate.

Step 3 open an account

Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.

4. Withdraw the loan

With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.

5. Repay on time

The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. There are two repayment methods: entrusted deduction and counter repayment.

6. Loan settlement includes early settlement and normal settlement.

(1) early settlement refers to the settlement of the loan before the maturity date of the loan (one-time repayment of principal and interest) or the last loan (installment loan).

② Normal settlement refers to the settlement of the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment loan).

Note: If the borrower needs to settle the loan in advance, he must apply to the loan bank for early settlement 10 working days after paying off all the payables. After the loan is settled, the borrower goes to the loan bank to get the loan settlement certificate, get back the real estate ownership mortgage registration certificate and the original insurance policy, and go through the mortgage registration cancellation formalities with the loan settlement certificate issued by the loan bank.

Extended data:

I. Requirements of the Borrower

1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

Second, mortgage loan materials

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. Original purchase agreement

3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number 1 copy.

6. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book.

7. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.

8 proof of income (in the format prescribed by the bank)

9. Copy of the business license of the unit (with official seal)

10. Credit certificates include academic qualifications, other real estate, bank running water, large deposit certificates, etc.

1 1. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Baidu encyclopedia-housing loan

Baidu encyclopedia-housing loan