With the development of modern social economy, housing prices have also increased rapidly. It is indeed not easy for ordinary residents to buy a personal house. So how do we buy our own house through a loan in Shenyang? What is the process of buying a house with a loan in Shenyang? Next, we will introduce it to you in detail!

The process of buying a house with a loan in Shenyang:

1. Real estate evaluation of Shenyang loan house purchase process

Before the borrower applies for a credit union (department), a personal loan to purchase a house and real estate review is required. Construction review procedures: developer application project investigation, Review, approve and sign project cooperation agreements and post-loan supervision.

For applications from real estate companies, the credit union (department) requires the real estate company (hereinafter referred to as the "developer") to submit the following information:

1. Written application;

< p>2. Company information, including business license, tax registration certificate, legal person code certificate, articles of association, credit card, account opening, company profile, legal representative or authorized agent, shareholder committee resolution, etc.;

3 , project information, including real estate development enterprise qualification certificate, construction land planning permit, construction project, construction project planning permit, construction permit, state-owned land use certificate, project budget data, commercial housing pre-sale permit, etc.

4. Rural Credit Cooperatives believe that other information needs to be provided.

The main contents of the project investigation are the legality of the program, the current status of project funds, the basic situation of the project, market prospects and project performance. On-site project investigation, information verification, post-project writing investigation, investigation review, and individual housing consumption loan project cooperation agreement signed with the developer after approval.

2. The operating procedures for loan issuance in Shenyang loan house purchase process:

The specific process is: the borrower conducts credit investigation, reviews the application, approves the loan contract, insurance, guarantee, and notarization Procedures, etc., loan processing, data archiving and post-loan management - loan repayment.

(1) Borrower's application

If the borrower applies for a personal purchase loan, the house must be limited by the current or multi-story main structure, and the maximum level should exceed the total investment. More than two-thirds. The borrower must fill in the personal purchase loan form and provide the following information:

1. The borrower’s identity document (resident ID card, household registration booklet or other valid residence documents);

2 , Proof of marital status (marriage registration certificate, marriage registration certificate, unmarried marriage certificate);

3. The project payment certificate is not less than 30% of the house price; however, this is not less than the purchase of the first house 20% of the stipulated amount of housing, the total construction area is less than 90 square meters. The proportion of the first commercial door payment shall not be less than 40%.

4. Proof of the borrower’s family property and economic income. If they belong to the borrower’s family members, they must both repay the loan together. Both parties must bear the repayment responsibility to confirm that if one party is unable to repay the loan, , the other party will continue to be responsible for repayment.

(2) Acceptance and investigation

1. Whether the first payment is deposited into the special account of the credit union sales room;

2. Whether the price of the house is reasonable , compare the market prices of similar properties in the local market;

3. Whether the age of the project loan and the borrower is over 60 years old;

4. Is the mortgage guarantee valid? A legal document that stipulates the mortgage rights and requires the borrower to provide a property appraisal report and proof of title if necessary.

(3) Loan review and approval

1. Authenticity of purchase behavior to prevent borrowers and developers from colluding to defraud bank loans;

2. If Compare the price of the purchased house with the local market price of the same property, and you can entrust the agency to conduct a real estate valuation appraisal;

3. Whether the project owner and the owner have issued a legal written opinion agreeing to the mortgage loan;

4. The borrower’s ability to repay the loan principal and interest;

The above is the Shenyang loan house purchase process we introduced to you. You can read it carefully for reference. When we After going through all the processes, signing the required contracts and procedures, and passing the review, we can get our house loan, which means that we will be able to own a house of our own in Shenyang! Indeed. Something we should be happy about!