Second-hand housing loan purchase process
1. Application: The applicant and the co-applicant hold the loan demand and fill in the provident fund loan application form at the personal loan acceptance window of each district management department (hereinafter referred to as the management department) where the housing provident fund has been deposited.
2. Review: the accepting personnel review the personal credit (including spouse) and materials according to the loan policy, enter information in the form, and output the contract text, loan receipt and entrusted deduction agreement after passing the review.
3. Signature: The applicant and the co-applicant sign the above words for confirmation after handling the bank repayment card (discount).
4. Handling guarantee and mortgage: the applicant and the co-applicant go to the window of the guarantee company to handle the registration of guarantee and real estate mortgage.
5. Lending: After the registration of guarantee and real estate mortgage is completed, the management department rechecks the loan materials, entrusts the bank to transfer the loan to the account of the fund company, and the borrower takes the corresponding receipt from the entrusting bank with the original ID card.
6. Repayment: The borrower shall repay the loan principal and interest of the current month within the period stipulated in the contract every month until the loan is fully paid off, and the repayment method can be modified once during the repayment period.
Transfer process of second-hand housing loan
Receiving Form: Receive the Application for Approval of Real Estate Transfer, Real Estate Sales Contract and Buyer Confirmation Form, and fill in the form.
Transaction: signed by the buyer and the seller.
Check the file: check whether the property right of the house is clear, whether there is mortgage, and seal it up (check the results in the morning and afternoon, and check the results the next day).
Appraisal: Make a house safety appraisal report.
Check price: the financial department evaluates the house price according to the transaction amount of the house sale (replacement) contract.
Pay business tax: pay business tax (the local tax department issues a confirmation form) and stamp duty, and the stamp duty is five ten thousandths of that of the buyer and the seller.
Pay deed tax: pay deed tax and get deed tax certificate.
Pay the handling fee: pay the transaction fee.
Seal the volume: receipt of the certificate.
Get the certificate: the buyer takes the original ID card to get the room certificate.
Remarks:
1. notarial certificate is required for real estate gift, inheritance, entrustment, foreign affairs and Hong Kong, Macao and Taiwan.
2. The demolition agreement shall be provided for the purchase registration of the relocated households.
3. For the sale within five years, the corresponding original approval of real estate transfer and the original special tax deduction form shall be provided.
4. When signing the contract, the seller's husband and wife and the buyer must be present in person.
5. Please reserve materials before handling the loan, including the original real estate license (including the property registration map), deed tax certificate, and copies of ID cards of the buyer and the seller.
6. If the house is purchased by the property owner and his spouse first, and then the spouse of the property owner dies, his children and legal heirs need to be present, and the property owner can only handle the transfer after notarization of inheritance.
Buying a house with a loan is a popular trend at present. Buying a house with a loan reduces the burden on families, especially for some workers' families. However, loans to buy a house should also be cautious. The loan not only repays the loan every month, but also bears interest. It is necessary to decide whether to borrow money to buy a house according to the income of families and individuals. And before buying a house, you must understand the purchase process and transfer process. There are some differences in buying a second-hand house with a loan, so you should know the situation in advance and prepare the corresponding documents before going through the formalities.
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