Now loan to buy a house is a very popular way. As long as people meet the application conditions, they can go to the bank to apply for a loan. Before we know what the process of personal housing mortgage loan is, people should know what materials are needed to buy a house with a loan in advance, so as to make various preparations in time, so as not to delay the time of handling the loan because of some small things.
What is the process of personal housing mortgage loan?
(l) The lender's application; The borrower shall fill in the application form for personal housing loan at the lending bank and submit the following materials: the borrower's ID card and account; ② Letter of intent or other supporting documents for the purchase of housing; Certificate of stable economic income of the borrower's family issued by the borrower's unit; Other certificates required by the lending bank.
(2) Loan Bank review; The loan bank shall review the loan application and other supporting materials of the borrower, and the borrower shall sign the house purchase contract with the house selling unit; The borrower shall sign the house purchase contract with the house selling unit on the strength of the loan commitment issued by the lending bank, and ask the house selling unit to sign and seal the house property custody contract. After passing the examination, issue a loan commitment and sign a mortgage contract with the borrower.
(3) The borrower shall insure the mortgaged house; The borrower signs a personal housing mortgage loan contract with the lending bank; The borrower shall hold the house purchase contract, mortgage contract, custody contract and insurance policy, sign the personal housing mortgage loan contract with the third-party (legal person) Guarantor at the lending bank, and handle the mortgage registration with the real estate administration authority within 30 days. If the parties require notarization, they can go to the notarization authority for notarization. The borrower shall handle the insurance of the mortgaged house at the insurance institution designated by the lending bank with the house purchase contract.
(4) Loan bank transfer; The lending bank shall transfer the loan to the deposit account of the house selling unit designated in the house purchase contract in the lending bank.
What materials do you need to buy a house with a loan?
(1) The first-hand house mortgage loan is to buy a newly developed new house, which needs to be mortgaged with the newly purchased real estate, and apply for a mortgage loan for the lender. Loan procedures: identity certificate of the lender's husband and wife, house ownership certificate (sales contract), land certificate (or copy), household register, marriage certificate, certificate of no house, unit income certificate and guarantee certificate of the guarantee company. Generally, developers collectively handle first-hand house mortgage, which is relatively simple.
(2) Second hand housing mortgage loan, buy a second-hand housing, need to mortgage the newly bought real estate, and apply for mortgage loan for the lender. Loan procedures: identity certificate of the buyer and the wife, land certificate (or copy), deed tax ticket, evaluation report, sales contract, household register, marriage certificate, house ownership certificate, income certificate of the buyer and the wife and no house certificate.