Pregnant women can go to the physical examination center
Yes, the bank staff has informed you to go to the housing authority for mortgage proceres to prove that the bank loan has been approved
housing mortgage loan process:
1. The buyer and the seller sign a house sales contract to agree on the amount of down payment, loan and balance
2. The buyers and their spouses should apply for loans from the bank, and the sellers and their spouses should be present to confirm
3. Banks investigate and approve loan applications
4. The buyer signs loan and guarantee contract with the bank
5. The seller transfers the property right to the buyer, and the seller obtains the down payment from the buyer
6. The house buyer should register the house mortgage with the bank (or other natural person or legal person should provide phased guarantee for the house buyer)
7. The bank issued loans to the seller's account
Both the buyer and the seller settle the house, and the seller gets the balance from the buyer9. The buyer receives the house and makes monthly repayment (in the case of phased guarantee, the buyer and the bank make up the real estate mortgage registration)
extended data
Step 1 The materials required for the loan are
, the domestic and overseas persons provide the list of
for the application of the housing mortgage loan information, the type of registered residence of the city's residents, the residents of other provinces, the residents of the city, the
identity certificate, the identity card and household register of the borrower, the mortgagor and the housing joint, and the original proof of the household registration is provided besides the identity card and residence booklet. People with temporary residence permit in Hong Kong and Macao shall provide home return permit or ID card; Taiwan people provide pass, identity card and registered residence vine. Other foreigners should provide passport
marriage certificate, and married people should provide marriage certificate (original and ); The unmarried person shall provide the original of the unmarried certificate and the left married person shall provide the original of the marriage certificate. The original of the unmarried person's unmarried certificate shall be notarized outside China, witnessed by the lawyer's office or certified by the Chinese Embassy abroad. The income certificate or other asset certificate issued by the unit shall be provided, which is the same as the left married person's original of the marriage certificate Dection account, proof of borrower's correspondence address, letter of commitment, power of attorney for registration of Shanghai real estate transfer, application for registration of other rights of Shanghai real estate, consent (mortgage consent of house co owners) are the same as those provided by the real estate agent or seller, and copies of down payment receipt for house purchase, and one of pre-sale or sale contract is the same as those of down payment receipt for house purchase, A notarized contract for pre-sale or sale step 2: house evaluation, signing loan contract, insurance and notarization proceres materials required for notarization:
1. Original household register of applicant and spouse, participating lender and co owner
2. Original ID card of applicant and spouse, participating lender and co owner
3 Original marriage certificate
4, private seal
5, details of insurance premium
6, original certificate of temporary residence for foreigners
Step 3, mortgage registration of trading center
Step 4, loan issuance
source of reference: Network mortgage
source of reference: Network Housing Mortgage
1. 2
what should we pay attention to when handling mortgage loan< 1. Pay attention to the property rights of houses. Not all houses can handle mortgage loans. First of all, we need to find out whether there are problems in the property rights of houses. Banks strictly require that houses handling mortgage loans must meet the conditions stipulated by the state for transactions in the real estate market. For example, there is no property right certificate for small property right houses. Banks do not support mortgage loans for small property right houses. For friends who want to buy small property right houses, they need to pay for the house in full, so the pressure of buying houses is not small
2. Pay attention to the requirements of bank loan
the bank also has requirements for the lender. In order to ensure that the loan can be recovered in time, the bank will focus on the repayment ability of the lender. General banks require the lender to have stable economic income, good credit, repayment ability and no illegal behavior and overe repayment record. For example, some lenders' personal credit is not good, and the existence of overe repayment records will affect the handling of mortgage loans
3. Pay attention to the repayment methods
there are two main repayment methods of bank mortgage loan, the equal principal repayment method and the equal principal and interest repayment method. The advantage of the equal principal and interest repayment method is that the borrower can accurately grasp the monthly repayment amount, which is convenient for him to make reasonable arrangements for his monthly income and expenditure. The equal principal repayment method is more suitable for the lender with strong repayment ability at the initial stage of repayment, because the equal principal repayment method has a large amount in the early stage of repayment, and the repayment pressure is also large< We should pay attention to the problem of repayment on time. The lender should deposit the repayment amount into the corresponding account before the repayment date. In addition, we should also pay attention to the fact that if it is difficult to repay the loan on time, the buyer can apply to the bank for changing the loan term. If the loan bank agrees, the loan can be extended
the above is an introction to what we need to pay attention to when handling mortgage loans. Now there are many ways to handle mortgage loans. In addition to applying for mortgage loans from banks, many financial institutions also support mortgage loans. Compared with banks, these financial institutions are not so strict in auditing, and the speed of approval is faster, but the interest is higher, If you want to apply for mortgage loans in financial institutions, try to choose more reliable financial institutions.