1. Submit materials and apply;

2. evaluation;

3. Bank approval;

4. Pay the down payment and handle the transfer;

5. Go through mortgage registration and insurance procedures, and make bank loans.

Second-hand housing mortgage loan process:

1. Submit materials and apply

The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form for personal loan of second-hand house, and submit the materials to the staff for review after filling in. The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. After the three parties agree on the time, the bank will contact the designated real estate appraisal agency to inspect the house for evaluation.

2. Evaluation

According to the agreed time, the real estate appraisal agency will go to the house for evaluation. After the completion, the evaluation agency will issue an evaluation report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can usually be completed within 3 to 5 working days. The counterparty is required to pay the 5 yuan assessment fee.

3. Bank approval

The bank will review the qualifications of the loan applicant, and after it meets the requirements, the bank will review the loan amount and term according to the appraised price of the house and the qualifications of the lender. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department are in the same office building, and the approval speed is fast, and the approval time for each business can be completed in 1 to 2 days.

4. Pay the down payment and handle the transfer.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of house property rights with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 2 working days.

There will be different processes for parents, spouses and children to add names to real estate licenses. There are several different ways to change the name on the real estate license, which will involve various issues such as property rights, creditor's rights, taxes and fees.

Moreover, there are different explanations on whether there are outstanding loans before and after marriage, and the handling fees are different in different situations. Real estate couples add names, which are different before and after marriage, and parents and children add names. It is most appropriate to buy and sell real estate for two years.

add names to the real estate license: property analysis registration, sale, gift and inheritance.

1. About birth analysis registration

Birth analysis registration is mainly applicable to divorce and birth analysis.

Divorce division of property is limited to the same property during the marriage, and personal property cannot be used for division before marriage.

Property division registration is a common type of housing registration, which is different from inheritance registration and gift registration.

divorce analysis is a kind of registration procedure in which the husband and wife transfer each other's share of the house due to divorce. According to relevant regulations, both parties to divorce and property analysis are exempt from transaction taxes and fees.

2. Buying and selling real estate

Due to the limitation of the housing area, the length of residence, the first set, second set and multiple sets, if the personal income tax, value-added tax and deed tax need to be paid according to the highest standards in the process of selling the house to children, the expenses incurred in the buying and selling process may be much higher than the real estate gift.

from the legal perspective, in fact, the above methods have their own advantages and disadvantages and risks, and it is impossible to simply judge whether they are cost-effective or not from the aspect of transaction costs. After all, not everything can be calculated clearly with money, and we can only analyze specific problems according to the actual situation of different families.

it is calculated in two cases: the first case, when the property is over five years old, the business tax is exempted, and at the same time, the individual tax is also exempted, and the deed tax and property right transfer registration fee are required; Second, if the property is less than five years old, it needs to pay business tax and individual tax, and at the same time pay deed tax and property right transfer registration fee. In real estate transfer, buying and selling is the most common, and it is also a more convenient and safe way to operate. However, if the purchase price is relatively low, the difference between the selling price and the purchase price will increase in the future, and more taxes will be paid when selling again.

3. Inheritance of real estate

Compared with buying, selling and giving, the tax expenditure is the lowest, because the inherited real estate has no business tax, individual tax and deed tax. The heir shall notarize the right of inheritance by his will, and change his name to the Housing Authority by the certificate of inheritance.

Conditions for inheritance of real estate:

A. There are two forms of inheritance of real estate, legal inheritance and testamentary inheritance. Legal succession is the heir of the estate stipulated by law, and testamentary succession must be a notarized will before the death of the estate owner to have legal effect;

b, the inheritance should be the property owned by the decedent before his death;

c, since the inheritance is the property and real estate division agreement of all heirs, it needs the consent and signature of each heir to take effect.

4. Gift of real estate

If the transfer is made by gift, there is no business tax. However, because the gift is considered as a gift for free, the recipient needs to pay personal income tax, and at the same time, deed tax and gift notarization fee are required, which are much higher than the taxes and fees for the transfer of business. However, for the donated property, the bank will generally assume that the recipient accepts the gift for free, and there is no actual transaction, so the donated house cannot apply for mortgage loan.

About the real estate license minus the name

Similar to the share transfer, the process is similar to the normal house sale, and the share deed tax needs to be paid.

a. The name reduction between parents and children is also regarded as a business transaction, and deed tax is charged. Moreover, if the real estate license processing time is less than 2 years, it is also necessary to pay VAT;

b, there is no deed tax for adding or subtracting the name between husband and wife.

Bank's worry:

1. When signing a mortgage loan contract, the general bank will declare that the borrower cannot be changed at will;

2. When signing the contract, the mortgagor is one person, and the bank only investigates the credit information of this person. If there are two property owners, the bank will have to re-investigate the other person. If this person's credit information is tainted, it will also affect the loan contract.

3. The mortgage contract involves the loan interest rate and other issues. At present, the interest rates of one suite and two suites are different. In the past, the bank only investigated the purchase situation of one person, but now one person has been added. If this person already has multiple properties, the mortgage interest rate will have to be recalculated.

Therefore, adding a name to the real estate license must be approved by the bank. Generally, the bank stipulates that the name cannot be added until the mortgage is repaid.

5. Go through the formalities of mortgage registration and insurance, and lend money from the bank.

After the buyer receives the real estate license, he goes through the formalities of mortgage registration and insurance, and the insurance premium is about 2, yuan. Then, after the loan is issued, the bank will deposit the house money into the seller's account, and the buyer will start to repay the current period on schedule according to the contract.