How to handle real estate mortgage loan?
1. Relevant materials for application: local resident ID card and household registration book; In addition to their ID cards and household registration books, non-residents of this city also need to provide household registration certificates or temporary residence permits provided by the household registration management department of their original place of residence. Minor residents are required to provide birth certificates.
2. The lender must have a stable and legitimate economic income, and at the same time, it must be able to provide corresponding income certificates. Bank preliminary examination. After accepting the loan application, the handling bank before the loan will make a real investigation on the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant.
3. Purchase insurance: Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for property insurance to prevent loan risks. Sign the housing mortgage loan contract: sign the loan contract after investigation and approval. After the bank completes the registration notarization procedure, it informs the applicant to take the contract and sign the housing mortgage loan contract.
4. Get the declaration form and fill in a copy of the market sales price (submit the original real estate license and the original identity certificate). Pay stamp duty, the original and photocopy of the ID card of the buyer and the seller, the original and photocopy of the real estate license, issue payment bills and return the bills.
5. Handling mortgage registration procedures: After the transfer of house property rights is completed, the bank will handle the mortgage and get the certificate of other rights 7 days after handling the mortgage. Bank loan: core production certificate transaction, bank taking back other rights certificates, and bank loan. After the bank lends money, it is necessary to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank. Some institutions also need to stamp the official seal on the confirmation of second-hand housing mortgage transfer.
What should we pay attention to in housing mortgage loan?
1. Verify whether the property right is clear: the seller must be the owner of the house, and it can be verified by checking the property right certificate and the ID card of the owner.
2. Verify the housing situation: when looking at the house, we should start from the following aspects: housing construction, housing community and housing rights. Verification of these situations will help you control the actual cost and risk of the transaction.
3. Clear transaction procedures: Second-hand housing transactions can be divided into several steps: house inspection, contract signing, down payment according to the contract, transfer, delivery and balance payment. Attention should be paid to these steps: keep the transaction evidence, transfer the ownership only when everyone on the property certificate is present, and check whether the other party has paid the property fee, water, electricity and gas fee when handing over the house.
4. Clarify the liability for breach of contract: Clarify the strict liability for breach of contract with the seller, which is the guarantee for both parties to perform the second-hand housing sales contract in good faith. In practice, a small amount of deposit penalty or simple breach of contract should bear the losses of the observant party, which lacks practical effect. House price fluctuation, insufficient funds, tax and fee reform, and one party delays or refuses to perform the contract from time to time. If some buyers think that the house price is too high or do not want to pay the transfer tax after signing the contract, they will delay the transfer formalities, resulting in the seller not receiving the balance in time after handing over the house; Some sellers found that house prices soared, saying that the sales contract without the consent of others was invalid and asked the buyer to return the house.
The above article is how to handle the real estate mortgage loan introduced by Bian Xiao. What should we pay attention to in housing mortgage loan? All the knowledge, I hope to help everyone. It can be seen from the introduction that it is normal to choose a loan when buying a house, but you should be fully prepared when applying for a residential loan. After all, more and more houses are bought now, and it is easy to apply for loans, but there are still many details to pay attention to.