1. Sign a bank mortgage loan contract and issue a loan agreement.
Then the bank will appoint an appraisal company to evaluate the property, evaluate and verify the value of the bank loan right, and then issue a loan agreement. After the bank agrees to the loan, the buyer will sign a mortgage purchase contract with the bank.
Time required: 3 working days.
Step 2 deliver
Submission refers to the application to the real estate registration center for the transfer of property rights, that is, the process in which the buyer and the seller submit the information to the real estate registration center for review and receive the receipt after the review is successful.
Time required: 1 working day.
3. Down payment and fund supervision
Buyers can put the down payment in the bank supervision before the house is transferred, and the bank will pay the down payment to the owner after the transfer is successful. This is the form of fund supervision. You can also pay the down payment directly to the owner on the day of transfer.
Time required: 1 working day.
4. Transfer after tax payment
The submitted application has been approved successfully, and the receipt has been received. According to the state regulations, the house can only be transferred after paying taxes. Property buyers in the trading center, check the proof of the number of sets, pay deed tax, personal income tax, value-added tax, property registration fees, etc. Issue a purchase invoice and a receipt (the date of the new certificate will be indicated).
Time required: 1 working day.
5. New real estate license
After transaction submission, duty-paid transfer and second-hand housing transfer registration, the real estate transaction registration center will issue a new real estate license. Property buyers bring their ID cards to the trading center, pay the stamp duty in 5 yuan, stamp the stamp duty, and check the ID card information, and then they can get a new real estate license.
Time required: 7 working days.
Step 6 present
The transaction registration department shall deliver the files to the municipal real estate archives for filing, filing and providing use. Property buyers can use the registration number of the new real estate license to check the filing progress on the website of the Housing Authority and find that "the file has been processed and can be used", indicating that it has been filed.
Time required: 5 working days.
7. guarantee
Real estate mortgage registration refers to the mortgage of real estate and related rights and interests to banks at a certain right value. After establishing a relationship with the borrower, the bank shall provide relevant information to the real estate registration authority to register other real estate rights. In the trading center, the buyers take their husband and wife's ID cards and photocopies, real estate licenses and registration fees for entering 80 yuan, and take photos with their handprints and cameras. The trading center accepts the custody information and issues a receipt (the date of custody will be indicated on the receipt).
Time required: 1 working day
8. guarantee
Mortgage refers to the issuance of other property warrants after the registration of real estate mortgage. In fact, the mortgage is the real estate license, which is kept by the bank, and it says how much money was borrowed from which bank. Property buyers and people from loan banks went to the trading center and paid the stamp duty on other certificates of 5 yuan real estate. The real estate license and other documents were taken away by the bank. After the loan, the real estate license will be returned to the buyers.
Time required: 7 working days
9. Lenders shall handle the registration of real estate mortgage and other real estate warrants according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer, and directly transfer the loan funds to the account of the original owner in the designated bank.
Time required: 1-3 working days
10, closing the house
The house, key and access card handed over by the seller and the buyer; Including furniture, home appliances, maintenance funds, etc. Attached to the contract; Handling ancillary houses includes water, electricity, gas, cable TV, management fee transfer, bank deduction account change and expense settlement.
Time required: 1 working day
The above contents are for reference only and should not be used as evidence of transactions and services.