Baoqing county second-hand housing mortgage loans can refer to the following process:
1. The lender needs to first determine whether the house purchase is supported by the bank and whether it can operate the mortgage house purchase business (the house agent or the homeowner can determine it or directly go to the bank to determine it);
After the purchaser confirms that the house can apply for mortgage loan, he/she goes to the loan bank to fill in the mortgage application form and prepare the application materials.
2. The information that the buyer (lender) needs to prepare is as follows:
(1) Two copies of husband and wife's ID card, household registration book (foreigners need temporary residence permit and household registration book) and proof of marital status;
(2) proof of work and income (format specified by the bank);
(3) proof of address (certificate issued by the neighborhood Committee or invoice for water and electricity paid in the past 3 months);
(4) Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc. (in order to improve the trust of banks and get loans better);
Note: If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
The Seller shall provide materials:
① ID cards, household registration books and marriage certificates of both husband and wife;
2 real estate license.
3. After receiving the lender's application, the lender will arrange an inspector to examine the lender. The lender needs to contact the partner evaluation agency of the lending institution, and the evaluation agency will evaluate the evaluation value of the house;
4. After the lender has passed the examination by the lending institution, the lending institution will contact the lender to sign relevant agreements and handle relevant procedures;
5. According to the loan contract, the lender transfers the money to the account specified in this contract, and the lender begins to perform the repayment obligation.