Provide loans and contracts for house purchase to banks.

Should I hand over the mortgage contract to the bank?

The mortgage contract does not need to be taken by the user himself.

When signing a contract, the bank will hand over the contract to the user on the spot after signing the contract. The purpose is to ensure its safety, or it is better to suggest that users take it by themselves after signing the contract.

Of course, there are also mortgage contracts after banks lend money, and users need to take their ID cards to the mortgage Commissioner to get the contracts.

This is the same as the agency mortgage business, as long as you authorize others to collect it on your behalf. That is to say, therefore, the user only needs to obtain the mortgage contract. As for when to take it, it doesn't matter

Generally speaking, it doesn't matter how to get the mortgage contract, as long as the mortgage applicant can get it smoothly.

From the point of view of safety, of course I will take it myself. Moreover, you can buy a house by mortgage loan, and you can apply with the purchase contract, down payment certificate, income certificate and basic documents.

If you want to use the house purchase contract to mortgage the loan, you need to see whether the local mortgage registration department allows it and whether the bank agrees.

Mortgage, also known as house mortgage. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

20165438+the latest survey data of 2003124 October shows that according to the sample data of 10,1-132

2065438+June 2008, Beijing Industrial Bank has outlets to raise the interest rate of the first home loan by 30% compared with the benchmark interest rate. The staff of a branch in Chaoyang District of Industrial Bank said that the current notice of the branch is that the interest rate of the first home loan will rise 10% on the basis of the benchmark probability. "The interest rates of other branches are not clear."

Participants in mortgage loans? , including commercial banks that provide credit funds, buyers who eventually purchase real estate, and property owners (including developers/second-hand housing owners). When applying for a loan, it is also necessary to evaluate the participation of companies and mortgage guarantee companies.

Statistics released by Beijing Wancai United Investment Management Co., Ltd., a real estate guarantee company, show that the mortgage utilization rate has reached a high level in major first-tier cities in China at the end of 20 10. In terms of mortgage loans for house purchase, the loan ratio has reached more than 70%, and in recent years, more and more residents have applied for mortgage loans for real estate consumption by using their own names or relatives' real estate. "Mortgage" has become a way of life closely related to residents' lives.

classify

housing loans

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan

Entrusted loans for individual housing refer to loans issued by banks to individuals who purchase ordinary housing according to regulations, and the source of funds is housing provident fund deposits. Also known as provident fund loans.

Is the loan purchase contract in the bank?

Mortgage to buy a house's house purchase contract is placed in the bank. Because the mortgage purchase bank has to collect the original registered purchase contract as collateral, and then hand it over to the bank after the property right certificate is completed, the bank will return the original contract to the owner. Generally speaking, property buyers, loan banks, housing authority and developers should all have purchase contracts.

According to Article 4 of the General Rules for Loans, the lending activities of both borrowers and borrowers should follow the principles of equality, voluntariness, fairness, honesty and credibility. Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

The mortgage purchase contract is placed in the bank. If the house is purchased by mortgage loan according to the regulations, the mortgage registration of the house should be handled after the property right registration. As the mortgagee, the bank will get the Property Ownership Certificate. The real estate license is held by the purchaser and the bank holds the real estate license. The registered property has a mortgage registration record in its property file before the loan is paid off, and it is not allowed to buy or sell.

After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time, and will be used as the personal housing loan business guaranteed by the purchaser's purchase price in stages.

Under normal circumstances, you should have six purchase contracts. If not, you should ask the developer for a purchase contract. But if the original contract is not enough, you should ask the developer for a copy of the purchase contract.

Has the house purchase contract been mortgaged to the bank? What are the conditions for mortgage of house purchase contract?

If buyers want to apply for mortgage loans, they need to sign a purchase contract with the developer first. After the signing of the house purchase contract, it is necessary to mortgage the house purchase contract to the bank before applying for a loan from the bank. If you want to mortgage the house purchase contract to the bank, you need to apply to the buyers aged 18-60. So, is the purchase contract mortgaged to the bank?

If buyers want to apply for mortgage loans, they need to sign a purchase contract with the developer first. After the signing of the house purchase contract, it is necessary to mortgage the house purchase contract to the bank before applying for a loan from the bank. If you want to mortgage the house purchase contract to the bank, you need to apply to the buyers aged 18-60. So, is the purchase contract mortgaged to the bank? What are the conditions for mortgage of house purchase contract?

Has the house purchase contract been mortgaged to the bank?

1. If you sign a pre-sale contract, the bank will mortgage the pre-sale contract, and then mortgage your real estate license, and then return it to you after you issue the real estate license;

2. If you sign a sales contract, the bank will directly mortgage your real estate license and will not ask for your sales contract.

Mortgage conditions of house purchase contract

1. Borrower's requirements: A natural person (Hong Kong, Macao and Taiwan and foreigners are also allowed) aged 18-60, with a stable job, a stable income and the ability to repay the loan principal and interest on schedule. The actual age of the borrower plus the loan application period shall not exceed 70 years old.

2. Information to be provided: 3 originals of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not in the same household registration, proof of marriage relationship shall be attached). Original purchase agreement. 1 Original and photocopy of advance payment receipt for 20% or more of the house price. Proof of the applicant's family income and related assets.

3. The materials that the borrower should provide include two copies of husband and wife's ID card, household registration book/foreigner's temporary residence permit and household registration book marriage certificate/judgment/single certificate, and a copy of the business license of the unit where the income certificate (in the format specified by the bank) is located (with official seal). Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

4. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

The above is about whether the purchase contract is mortgaged to the bank and the conditions for mortgage of the purchase contract. If property buyers need to apply for loans, they need to mortgage the purchase contract to the bank to apply for mortgage loans. If you want to apply for a mortgage loan, you need the buyers to provide the above information. I hope that the above content about mortgage of house purchase contract to the bank can help everyone.

Let's not talk about the introduction of housing loans and housing contracts to banks.