Hello, the materials that need to be prepared for commercial loans in the process of second-hand housing transactions in Shenyang:

1. Household register, ID card and marital status certificate of both parties (marriage certificate of married person; Prepare a single certificate for unmarried people; Divorce preparation, divorce certificate, divorce agreement).

2. The seller (original owner) prepares the property title certificate and deed tax certificate of the property.

3. The buyer shall prepare the income certificate.

Second, the process of commercial loans in the process of second-hand housing transactions:

1. The bank and the appraisal office went to the scene to see the house for appraisal.

2. The buyer and the seller (if married, both husband and wife are required) apply to the bank with the household registration book, ID card and marriage certificate, sign and approve (the time is basically 3-5 working days).

3. After approval, it will be renamed and transferred to the Real Estate Bureau.

4. The buyer will mortgage the city real estate building after obtaining the new property right certificate and deed tax certificate.

5, 6 sunrise work mortgage, and other loans.

What is the process of buying second-hand houses and provident fund loans in Shenyang?

Buying a second-hand house can apply for a provident fund loan. There are two ways to apply for provident fund personal housing loans:

1. The borrower directly applies for a loan from the municipal capital center. Processing flow:

The first step is to consult in the center and get the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) pre-register in the city financial center, and get the application form for provident fund loan in the name of the seller with the original house ownership certificate, state-owned land use certificate, household registration book, ID card and marriage certificate.

Step 2: The borrower shall submit the following loan information to the municipal capital center:

(1) provident fund loan application form;

(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;

(3) the evaluation report of the purchased house;

(4) The stock house sales contract signed by the buyer and the seller;

(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);

(6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. )

Step 3: Acceptance and approval by the "center": the municipal capital center accepts the information of loan applicants, and determines the loan amount and term after approval.

The fourth step is transaction transfer: the buyer and the seller go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction.

Step 5: Sign the contract: the borrower holds the transferred "two certificates" and deed tax payment invoice (original and photocopy), the municipal capital center issues a loan commitment letter to the designated bank, signs loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.

Step 6: Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and get the real estate license.

Step 7: Lending: After all the loan procedures are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank.

Step 8: Monthly repayment: The borrower repays the loan principal and interest on a monthly basis according to the loan contract until the loan is fully paid off.

Step 9: Settle the loan: After the borrower settles the last loan, I personally go to the loan bank and go through the repayment settlement procedures at the counter.

Step 10 Mortgage Cancellation: After the borrower has repaid all the loan principal and interest, he shall go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the settlement certificate and mortgage cancellation certificate issued by the loan bank, the original house purchase contract or real estate license and personal ID card.

Shenyang second-hand housing loan

The proportion of second-hand housing loans can generally be calculated at the approved price. The completed service life of the house is generally within five years (including five years), and the loan ratio is generally not higher than 60% of the approved price of the stock house. The completed service life of the house is generally more than five years and less than twenty-five years, and the loan ratio is generally not higher than 50% of the approved price.

The shortest term of the loan is 1 year and the longest term is 20 years.

What is the process of Shenyang second-hand housing and second-suite provident fund loan?

I. Materials required for housing provident fund loans:

Household registration books of the borrower and his spouse;

Resident identity cards of the borrower and his spouse;

Proof of the marital status of the borrower;

Proof of down payment for house purchase;

Credit status report of the borrower and his spouse printed by the bank;

Housing sales contracts or agreements that comply with the law.

The second is the conditions for handling housing provident fund;

Individuals and their units must continue to pay housing provident fund for one year;

The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

Where the borrower purchases a commercial house, it shall not be less than 30% of the total house price.

Three, the housing provident fund management process:

The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials;

After receiving the application, the loan bank shall confirm and review the information;

After the audit, the loan bank contacts the lender and signs the relevant contract;

For bank loans, the lender shall fulfill the repayment obligation.

Four, housing provident fund loans query method:

After most banks open online banking for their monthly payment cards, they can find mortgage repayment records and loan balances on online banking;

Through the telephone banking 955 service hotline, through the bank's manual customer service inquiry;

Inquire about personal credit institutions, print personal credit report, and the credit report will also show the loan balance. With my ID card, go to the personal loan center where the bank issues loans to find the account manager to inquire;

If you clearly know the time of interest rate adjustment and the interest rate you are implementing in the current period, you can also set up a professional loan calculator to calculate the monthly payment yourself.

The introduction of how to borrow second-hand houses in Shenyang and the proportion of second-hand houses in Shenyang is over. I wonder if you have found the information you need?