Mortgage refers to the legal documents provided by property buyers to the bank, such as ID card, income certificate, house sales contract, letter of guarantee, etc. At the same time, fill out the "Application for Housing Mortgage Loan". After passing the examination, the bank promised to issue loans to the buyer. Today, I sorted out related articles for you. Welcome to read and understand!
housing loans
What are the procedures for buying a house with a loan?
Information to be provided for individual housing loan: When applying for individual housing loan, the borrower should first fill in the Application Approval Form for Individual Housing Loan and provide the following information:
1. Borrower information:
(1) Legal identity certificate of the borrower;
(2) the borrower's economic income certificate or occupation certificate;
(3) Borrowers with spouses need to provide proof of husband-wife relationship;
(4) If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment responsibility of * * *;
(5) If there is a guarantor, relevant information of the guarantor shall be provided.
2. The purchased house information:
(1) Letter of Intent for the commercial housing sales contract or commercial housing sales (pre-sale) contract signed by the borrower and the developer.
(2) A copy of the down payment bank deposit slip and down payment receipt issued by the developer;
(3) Other documents or materials required by the lender.
Handling the mortgage registration procedures for individual housing loans: After the loan is approved, the purchaser shall sign a loan contract and a mortgage contract with the loan bank, and handle the mortgage registration procedures at the real estate management department under the jurisdiction of the Property Rights Office with the following materials:
(1) The original and photocopy of the ID card and marriage certificate of the buyer's husband and wife;
(2) Loan contract and mortgage contract;
(3) Real estate mortgage application review registration form;
(4) All purchase contracts;
(5) Other information required by the real estate department.
The time for real estate management departments to handle mortgage registration is generally 15 working days. After the mortgage registration formalities are completed, the mortgagor shall hand over the mortgage certificate of the faster house or the house ownership certificate issued by the real estate management department to the loan bank for safekeeping.
What are the procedures for buying a house and getting a mortgage loan?
Procedures for applying for mortgage loans
I. Choosing Real Estate If buyers want to obtain real estate mortgage services, they should pay attention to this aspect when choosing real estate, and further confirm whether the real estate developed and built by developers has the support of banks to ensure the smooth acquisition of mortgage loans.
Second, go to the bank or the law firm designated by the bank to understand the bank's provisions on mortgage loan support for homebuyers, prepare relevant legal documents, and fill out the "mortgage loan application form".
Three. The bank that signed the house purchase contract received the legal documents related to the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan approval notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
Four. Sign a real estate mortgage contract. After signing the purchase contract and obtaining the proof of payment, the purchaser signs the mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and defines the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
V. Mortgage Registration: Insurance buyers, developers and banks shall go to the real estate management department for mortgage registration with the House Mortgage Loan Contract and the house purchase contract. For forward houses, the mortgage registration shall be changed after completion.
After the signing of the mortgage loan contract, the buyer opens a special repayment account in a financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.
Seven, the bank in the confirmation of property buyers meet the conditions of mortgage loans, to fulfill the obligations stipulated in the "housing mortgage loan contract". After going through the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.
Extended data:
I. Conditions for applying for mortgage loans
1, with legal status.
2, a stable income, good credit, the ability to repay the principal and interest of the loan.
3. There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank.
4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the down payment of purchased (overhaul) housing.
5. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
Second, the application materials for mortgage loans
1, individual housing loan application
2. Copy of identity documents (resident identity card, residence booklet, military officer's card, passports of overseas and foreign natural persons who have the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents).
3. The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank.
4, the legal purchase (overhaul) of housing contracts, agreements and related approval documents.
5. List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by an evaluation agency recognized by the loan bank.
6. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor.
7. The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank.
8. Relevant certificates of self-financing of the borrower's purchase (overhaul) of the house.
9. House sales (pre-sale) license or real estate license (existing house) (copy)
10. If the borrower's spouse and * * * apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form and show their marriage certificate and household registration book.