Why not put forward the full purchase?
1. The developer took the mortgage loan from the commercial house that was pre-sold to you, and it cannot be filed without canceling the mortgage loan and obtaining your consent.
The developer sold the house to you without obtaining the pre-sale permit. You can't file a case in this case.
Second, the process of buying a new house
1. First of all, you need to be clear about your qualifications for buying a house, decide the purchase area according to your own situation, and choose several favorite properties.
2. Look at the house in the local area and learn about the building information. For the favorite real estate projects, you can get a preliminary understanding of a set when you look at the house. Looking forward to a suite building, look at the sand table to learn about the building.
3. Order food and choose a room. When it is open, developers will vote according to certain rules.
4. Submit the purchase qualification information and make an appointment. After signing the appointment book, you need to prepare the qualification information for purchasing a house and submit it to the developer. You need to pay a certain deposit after that. The down payment ratio shall not exceed 20% of the total house price clearly recorded in the contract.
5. Sign the contract online. After paying the room rate and passing the qualification examination, you can sign online immediately. After that, you need to sign a paper purchase contract. Purchase and pay the room rate in full. Receipts received must be put away. You need it when you pay taxes.
6. Buyers need to wait for the developer to inform them to stay in the room.
Does the house loan need to be filed with the real estate bureau?
If necessary, the filing process is as follows:
First, determine the property. Before choosing real estate, buyers should focus on the mortgage service, and further understand which bank the developer cooperates with and whether it is supported by the bank, so as to ensure the smooth progress of the mortgage process in the future.
2. Submit a mortgage application. When you confirm that the property you choose is supported by bank mortgage, the buyer should know about the mortgage service from the bank and prepare all the information before filling out the mortgage loan application.
Third, bank audit. When accepting a lender's loan application, the bank shall examine the lender's qualifications to determine whether the lender meets the prescribed conditions.
4. Sign a house purchase contract and a house mortgage contract. After receiving the mortgage loan application and related materials, the bank will issue a loan consent notice or a mortgage loan commitment letter to the buyers after confirming that the lender meets the mortgage loan conditions. Property buyers can sign purchase contracts with real estate developers.
After signing the house purchase contract and paying the real estate license, the buyers sign the house mortgage loan contract with the real estate developer and the bank with the relevant materials stipulated by the bank, and stipulate the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan.
5. Apply for mortgage registration. Property buyers, real estate developers and banks hold mortgage loan contracts and purchase contracts to the local construction committee departments for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion.
6. Establish a repayment account. After signing the mortgage loan contract, the buyer opens a special repayment account in the designated bank and signs the power of attorney according to the contract. After the bank confirms that the purchaser meets the mortgage loan conditions, fulfills the obligations stipulated in the Building Mortgage Loan Contract and goes through the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase price of the purchaser.
Mortgage: seven wants seven don't.
Seven elements:
First, apply for a loan amount according to your ability.
When applying for personal housing loans, borrowers should make correct judgments on their current economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.
Second, choose a good loan bank for mortgage.
For borrowers, they can choose their own loan banks to buy existing houses or second-hand houses. The more services provided by mortgage banks, the more detailed they are. You will get flexible and diverse personal financial services and a rich portfolio of services and products. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.
Third, choose the repayment method that suits you best.
At present, there are basically two ways to repay personal housing loans: one is equal repayment, and the other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.
Fourth, the information provided to the bank should be true.
To apply for commercial personal housing loans, banks generally require borrowers to provide proof of economic income. For individuals, the true personal occupation, position and recent economic income should be provided. Because if your income doesn't reach a certain level and you don't have enough ability to repay the loan, but you exaggerate your income level, you may default at the initial stage of repayment, and it is confirmed by the bank investigation that you have provided false certificates, which will greatly reduce the bank's trust in you and thus affect your loan application.
5. Provide my address accurately and promptly.
If the address provided by the borrower to the bank is accurate, the bank can contact it conveniently and receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, you can receive the interest rate adjustment notice from the bank at the beginning of the year. In addition, it is especially important to remind borrowers that when you move to a new house, you must inform the loan bank of your new contact address and contact information in time.
Six, determine the property owner should consider tax refund.
According to the relevant regulations of Shanghai, individuals who purchase commercial housing after June 1998 1 can enjoy personal income tax deduction. Since the object of deduction is only the property owner listed in the real estate license, it is necessary to carefully determine the property owner (purchaser) of the house purchased for each family.
Seven, monthly repayment on time, to avoid penalty interest.
For borrowers, before the agreed repayment date every month, they should pay attention to whether there are enough funds in their repayment accounts to avoid being punished by the bank for their negligence, and never lose money because of their negligence, and at the same time leave a bad credit record in the bank.
Seven don't:
First, don't use the provident fund before applying for a loan.
If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.
2. Don't repay the loan in advance in the first year.
According to the relevant provisions of provident fund loans, the prepayment should be made after 1 year, and the amount you return should exceed the repayment amount of 6 months.
Don't forget to find the bank around you if you have difficulty in repaying the loan.
Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.
Fourth, don't forget to refund the tax when you get the real estate license.
When purchasing a commercial house, all the family members who can get tax refund should be written into the purchase contract as the property owners, and after signing the contract and paying the house price, they should apply for "deducting the personal income tax paid by the buyer" and obtain their "general tax payment book". The house you bought becomes an existing house, and you have to go to the tax department for tax refund within 6 months after the real estate certificate is completed.
5. Don't forget to inform the rental obligation after the loan.
When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.
6. Don't forget to cancel the mortgage after paying off the loan.
When you have paid off all the principal and interest of the loan, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and other rights certificate of the mortgaged property.
Seven, don't lose the loan contract and IOUs.
When applying for a mortgage loan, the loan contract and the receipt signed by the bank with you are all important legal documents. As the loan term can be up to 30 years, as a borrower, you should take good care of your contracts and IOUs, and read the terms of the contracts carefully to understand your rights and obligations.
The down payment on the house was paid and the mortgage came down. Should I go to the Housing Authority for filing?
No, housing registration is to standardize housing lease registration, not including buying a house.
The backstage of the workstation of the rental house management service center is responsible for accepting and reviewing the information of both parties to the rental house, and the tax collector is responsible for reviewing the information of both parties to the rental house.
The workstation backstage examines the authenticity, completeness and standardization of the application materials according to the relevant laws and regulations, returns the original to the applicant for the rental house that meets the housing registration, signs the Acceptance Form for Housing Rental Registration, and sends the relevant materials to the street rental house management service center for taxation review, and returns the relevant materials to the applicant for the rental house that does not meet the registration.
Extended data:
1, scope of application
Applicable to East Street for housing lease registration.
2. Main responsibilities
The backstage of the workstation of the street rental house management service center is responsible for accepting and reviewing the information of both parties to the house lease. The tax collector of the street rental house management service center is responsible for reviewing the information of both parties to the house lease.
3. Relevant documents
Provisions of Guangzhou Municipality on Housing Lease Management (Guangzhou Municipal Government Decree No.2 [2005], effective from May 1 2005)