What procedures do I need to go through to get a real estate loan? The detailed process of getting a real estate loan in 2018. China's housing prices continue to soar, so many people buy houses through loans. What materials should be prepared to buy houses through loans? Loan purchase process and steps, together to understand.
Materials to be provided by the borrower
1. Original and copy of ID card of both parties borrower 7 copies of spouse 2 copies;
2. Two originals and two copies of household register
3. Two originals and two copies of marriage certificate, two originals and two copies of divorce certificate, two originals and two copies of single certificate;
4. The original and one copy of the income certificate of both parties note: the private business operator shall provide two copies of the duplicate of the business license, two copies of the tax payment certificate for the past three months, and two copies of other income sources and variable assets
5. Original and 2 copies of down payment invoice
Materials provided by the developer
1. 3 ordinary purchase contracts;
2. 3 pre-sale licenses;
3. 3 copies of door plate approval form;
4. One copy of business license of enterprise legal person; five copies of filing contract; four copies of customer signature and fingerprint; one copy of negotiation record; two copies of loan application; three copies of income certificate; four copies of loan contract; five copies of mortgage form; six copies of statement; two copies of guarantee from the outsider and the local people. The down payment for the first house is 20% for ordinary house and 30% for others
General banks do not charge fees, but the following fees will be involved in handling the loan: 1. Mortgage registration fee; 2. Notarization fee of loan contract; 3. Mortgage insurance
The household registration, ID card, marriage certificate, original and copy of the husband and wife! The income certificate issued by the unit, the loan agreement signed by the husband and wife themselves to the bank, and the husband and wife to the housing authority for relevant procedures! If it is in Nanchang, I can help you do it!
In China Construction Bank, there is no service charge for the loan. All the charges are collected on behalf of others. The stamp duty is 5 / 100000, and the notarization charge is about 460 yuan. The term of the loan is 7 years. The interest rate of the loan is 7.05% based on the benchmark interest rate. The loan needs to repay the principal and interest of 2116.4 yuan per month for 140000 yuan, and 2403.06 yuan per month for 159000 yuan.
Process: the buyer and the Seller shall prepare the loan information, and the bank shall sign the appraisal company's appraisal bank to approve the loan transfer and make the mortgage registration bank loan. Prepare information: ID card, Hukou book, marriage certificate, acceptance certificate, real estate certificate, etc.
1. Power of attorney of mortgage co owner 2. ID card, household registration and marriage certificate of real estate husband and wife 3. House property right certificate 4. Loan purpose 5. Income certificate of both parties 6. Personnel occupation certificate 7. Housing pre evaluation report 8 other information required by the Lender
Long winded!! at least 3 certificates are complete. If you only cooperate with the bank to handle the mortgage business, you need to sign a mortgage loan agreement with the bank and the total amount of loan, and open a margin account to deposit a certain amount of margin!
What procedures do you need to provide? What you need to do is to prepare all the information required by the bank, sign the relevant documents, and then wait for the bank to review and approve the loan. There's nothing left for you but to sign.