Information prepared by the buyer of second-hand housing mortgage loan:

Identity card (husband and wife) and temporary residence permit (migrant population);

Household registration book (both husband and wife);

Proof of income or solvency (issued by the unit);

A copy of the business license stamped with the official seal of the company (made by the company);

Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate);

Certificate of academic qualifications (provided by junior college or above);

Current passbook of the applicant's loan bank;

Other materials required by the bank;

Information prepared by the seller of second-hand housing mortgage loan:

Identity card (husband and wife) and temporary residence permit (migrant population);

Household registration book (both husband and wife);

Marriage certificate (marriage certificate, divorce certificate, widowed certificate, single certificate);

Proof that the spouse and * * * someone agree to sell (fixed format);

Real estate license;

The original purchase contract, agreement and relevant approval documents shall be provided for the sale of purchased public houses, center delivery houses, affordable houses and relocated houses;

Other materials required by the bank. Information required for foreigners to purchase houses under special circumstances:

People from Taiwan Province Province, Mainland Pass (Taiwan Compatriot Certificate), household registration vine (which can prove marital status), approval form for purchasing houses in Beijing, and mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration).

Hong Kong people, Hong Kong identity card, marriage certificate, mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration).

Korean, Chinese translation notarization of passport, Chinese translation notarization of name, Chinese translation notarization of household registration book (which can prove marital status), and notarization of mortgage (entrusted to handle the later house purchase letter and mortgage registration).

Other nationalities: notarization of Chinese translation of passport, Chinese translation of name, Chinese translation of marriage certificate, notarization of mortgage (entrusted to handle the later house ownership certificate and mortgage registration). The materials that the seller needs to provide for the enterprise include: legal person ID card, original and photocopy of business license, organization code certificate, resolution of the board of directors on sale, articles of association, power of attorney, trustee ID card, proof of collection account (all the above materials must be stamped with official seal) and real estate license.

Second-hand housing mortgage loan process:

The seller applied to the bank.

If approved by the bank, the bank, the buyer and the seller sign an agreement, and the bank agrees the seller to transfer the house. The seller promises to give priority to the repayment of bank loans, and authorizes the bank to directly deduct the outstanding loan principal and interest from its account opened in the bank. The buyer promises to remit the house payment to the account opened by the seller in the bank at the time of transaction.

The buyer and the seller sign the house transfer contract.

The buyer applied for a new loan from the bank. The loan amount can be the remaining loan balance of the seller, or it can be calculated according to the following formula: loan amount = the market price of the purchased house × the loan ratio of the second-hand house.

After the approval, the bank signs a new loan contract and mortgage contract with the buyers, and issues a letter of commitment to agree to the loan.

The seller and the buyer go through the formalities of property right transfer.

The bank and the seller go to the real estate management department to cancel the mortgage registration and apply for a new mortgage registration with the buyer.

When granting loans to the buyer, the bank will transfer the loans to the account opened by the seller according to the authorization of the buyer, and then directly deduct the outstanding loan principal and interest from the account according to the authorization of the seller, and terminate the original loan contract.

Risk:

Ordinary second-hand housing mortgage loan is different from mortgage loan. For ordinary second-hand housing mortgage loan, the bank lends it to the owner to pay the buyer's purchase price after the property has been transferred. In this kind of transaction, because there are basically no effective and feasible safeguard measures, the seller is at a disadvantage and the risk mainly comes from the buyer. Although in practice, the bank can ask the seller to issue an irrevocable power of attorney so as to transfer the loan to the buyer's account in time, after the registration and transfer, the buyer is already the legal property owner. At this time, if the buyer unilaterally informs the bank that it is difficult to repay, the bank will inevitably terminate or suspend the pre-agreed loan mortgage procedure in order to protect its rights, and will never continue lending (to protect the interests of the seller), otherwise it will undoubtedly be a trap. Therefore, the protection of the seller's interests has great risks in actual operation and is in a passive position among the three parties involved in the transaction. The only way out is to have a long lawsuit.

Countermeasures:

Choosing a powerful intermediary as a guarantor can avoid multiple risks. At present, the suitable third-party guarantor is a professional intermediary, but only with certain financial strength can it resist risks and really play the role of guarantee.

Establish a fund guarantee mechanism, the real estate registration department and the bank jointly set up a fund guarantee center, and use the credibility of government departments to ensure the smooth progress of the whole transaction. Before the transfer and mortgage procedures are completely completed, the down payment or all the house payment will be deposited into the public account of the fund guarantee center. If all formalities are successfully completed, the house payment will be transferred to the seller's account, otherwise it will be returned to the buyer.