After selecting the house and reviewing the necessary documents, you need to bring the following materials to sign the commercial house reservation agreement and pay the down payment, and at the same time receive the house mortgage loan guide and proof of economic income:
Original ID card;
(two) the original "commercial housing reservation agreement";
(3) Original deposit invoice;
(4) Information required for mortgage loan.
The second is the process of buying a house by mortgage loan-paying the house price and signing a contract for the sale of commercial housing.
According to the time agreed in the signed commercial housing reservation agreement, you need to bring the following materials to the real estate sales and service center to handle the delivery procedures, sign a sales contract with the property owner himself, and go through the bank mortgage loan procedures as agreed.
Payment can be made by cash or credit card. For details, please refer to the payment notice attached when signing the reservation. At present, banks (Tuesday and Thursday), Agricultural Bank (Wednesday) and Industrial Bank (Friday) handle mortgage loans on site. In case of special time such as holidays, the bank office hours will be adjusted.
(1) If you choose to pay by bank mortgage, you must meet the following conditions:
1, a domestic person who has reached the age of 18 and has full capacity for civil conduct;
2. If you are under 18 years old and still need to apply for a loan, the bank will review whether to grant the loan;
3. The sum of age and mortgage term shall not exceed 60 for men and 55 for women (specific matters shall be subject to the confirmation of relevant banks); ?
4. Have a stable and legal occupation and income source, and the monthly loan cannot exceed 50% of the monthly income.
(2) The following information shall be provided when handling the mortgage formalities:
1, ID card, household registration book and marriage certificate of the borrower and spouse (if single, single certificate, divorce certificate and unmarried certificate are required. );
2. Proof of economic income stamped with the official seal or financial seal of the unit;
3. Other information required by the bank: such as a copy of the business license of the unit where the bank is located, and foreign contacts in Shenyang, etc.
4, commercial housing sales contract, settlement invoice, residence permit notice, public maintenance fund invoice;
(3) The fees for handling bank mortgage procedures are as follows:
1. Please refer to the charging device for charging items.
2. Intermediary service agencies designated by banks pay 1.5% (residential) or 4% (non-residential, i.e. garages, warehouses, shops, etc. ) the total house price shall be collected by the Finance Bureau.
3. Commercial housing with unit price higher than 2,300 paid by intermediary service agencies designated by banks on behalf of customers: 2,300 * area *2.5%.
4. Commercial housing with a unit price below 2,300: 2.5% of the total house price, collected by the real estate bureau and paid by the commercial bank.
The notarization fee is generally 100- 150 yuan/piece (individual charging standards are different). The loan amount of insurance premium * mortgage term * corresponds to the insurance coefficient insurance company, and the lawyer's fee 600 yuan/bank designates an intermediary service agency. The intermediary service institutions designated by the bank collect the handling fee in advance before handling, and then settle the account with bills, and the real estate bureau collects more refunds and less supplements.
(4) After the contract is signed, the developer will send the contract to the contract filing department of the real estate trading center for filing the commercial housing sales contract, which usually takes 5 working days. After the contract is returned, the staff of the sales service center will inform the bank to designate an intermediary service agency to receive the registered commercial housing sales contract.
(5) Customers who purchase non-residential houses (garages, warehouses and shops) should pay the transaction fees at the time of contract filing according to the regulations of the Real Estate Bureau, and they can choose to pay by themselves in Shenyang Real Estate Trading Center or by the developer.