Order of filing and lending for buying a new house

Does the mortgage down represent the record?

Yes, the online signing was filed with the Housing Authority, and the mortgage was approved. Filing refers to filing the purchase contract, and loan refers to applying for a purchase loan, which can only be carried out after signing the purchase contract and paying the down payment. The buyer goes to the bank with the purchase contract and the down payment certificate, so the order of filing the loan is to file it first and then lend it.

Legal basis:

"People's Republic of China (PRC) City Real Estate Management Law" Article 45 The pre-seller of commercial housing shall report the pre-sale contract to the real estate management department and land management department of the people's government at or above the county level for registration and filing in accordance with the relevant provisions of the state.

Twenty-seventh real estate development enterprises shall, within 30 days from the date of signing the pre-sale contract of commercial housing, go to the real estate development department of the people's government at or above the county level where the commercial housing is located and the department responsible for land management for the record.

"Measures for the Administration of Urban Commercial Housing Pre-sale" Article 10 For the pre-sale of commercial housing, the development enterprise shall sign a pre-sale contract with the winning bidder. The development enterprise shall, within 30 days from the date of signing the contract, go to the real estate management department and the land management department of the people's government of the city or county to handle the registration and filing procedures for the pre-sale contract of commercial housing.

Isn't the format of the full purchase record and the loan purchase record different?

There is not much difference.

There is no difference between the full amount filing and the loan housing filing, but it is just a formality to register with the Housing Authority in advance, and there is no other difference.

Personal housing mortgage loan conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3, with more than 30% of the total price of the purchased house, and ensure that it is used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors, repay the loan principal and interest and bear joint and several liabilities. Proof function of real estate license

Since the role of real estate license in trading activities is extremely limited, what is the significance of issuing real estate license by the registration authority? In fact, the real estate license mainly plays a role in the field of housing registration, mainly to ensure the order and safety of registration activities. The real estate license first plays the role of proving the completion of the registration act.

Must I file with the bank before the new house loan?

In today's society, it is difficult for ordinary families to buy a house in full, but if they borrow money from a bank, they need to meet the payment conditions stipulated by the bank. Then, do you want to file a new house with the bank before the loan, and what do you need to know about the loan to buy a house? Do you know that?/You know what? Now let's have a look.

First, a new house loan must be filed with the bank?

The new house needs to be filed first, and the bank will pay for it. To apply for a loan to buy a house, the applicant needs to meet the following conditions: ① having a permanent residence or a valid identity document; 2. Stable income, good credit and repayment ability; ③ Signed a house purchase contract; 4 paid the down payment for buying a house; (5) Having assets recognized by the bank as collateral; ⑥ Other conditions stipulated by the bank.

Second, some things you need to know about buying a house with a loan

1, the best house to buy is an existing house or a quasi-existing house, which can clearly understand the indoor pattern and avoid many risks. And faster, you can only hear the general layout, and there may be bad situations in the later period, which will damage the interests of buyers.

2. In the communication process of buying a house, the promise given by the developer and the content in the advertisement should be written into the contract. If the developer doesn't want to write, then you need to record what the developer said with a tape recorder, which can be used as evidence or to protect yourself in the future.

3. When signing a house purchase contract, you should also sign a management agreement with the residential property to give the buyers a reassurance. If the property agreement is signed late when you move into the community, the property management company is likely to increase the property fee.

Make a list of the expenses you need to pay, and then pay them one by one according to the list, which will make you more confident psychologically and avoid the phenomenon of unreasonable charges. In addition, it is also necessary to specify the terms of breach of contract and the compensation amount of the breaching party in the contract.

I'll introduce some things you need to know about the new house loan before you file it with the bank, and the loan to buy a house. Are you clear? The bank will pay the developer only after the loan buys a new house and needs to be filed.

Order of filing and lending

Filing before loan.

1. First, please go to the bank for relevant information. And apply for personal housing loans with all relevant materials.

2. Then accept the bank's review of you and determine the loan amount.

3. Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.

4. The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

First, why do you want to file a house?

1. The implementation of the house purchase contract filing system can effectively restrain developers.

2. It can not only prompt developers to speed up the building, but also handle the property right certificate according to the regulations, which can make buyers feel more at ease, and can also avoid many hidden dangers brought by one room and two owners to consumers.

3. Procurement contract filing process.

All sales contracts are signed online. Before signing online, it is generally to initiatively confirm that the contract is correct and there is no objection, and then sign online. After the online signing of commercial housing, the developer records the contract, obtains the record number after being audited by relevant departments, prints out the contract text, and the buyer and the seller sign and seal, each holding its own copy. After the contract is signed, the real estate management department will return a 9-digit record number beginning with 06 after review, indicating that the contract has been successfully filed.

Second, the benefits of online lending platform filing to investors:

1. The investment platform is guaranteed.

Preferred investors have standards when choosing platforms. Before filing, there were thousands of online lending platforms, some of which were acceptable and some were average. However, although there are some standards, none of them will say that they are not good, so there is no unified standard for investors to choose platforms. After filing, if you want to choose an online lending platform, at least you don't need to ask many people to judge its security, but the reference standard for measuring whether the platform is worth investing is filing. Filing helps investors to select platforms, and investors can directly choose the platform that takes the lead in filing, so as to ensure the safety of funds and create higher returns for investors.

2. The investment income is basically unified in the industry.

After filing, the average income level of the online loan industry will continue to decline, reaching the basic unity of the industry. After the industry grew from barbarism to regulatory compliance, the profiteering stage of the online loan market ended. Although there may not be the original income level, first of all, its decline is not large. Secondly, it is not once and for all after filing. If the illegal platform is found after filing, it will be revoked, which will make the platform always vigilant, continuously improve the degree of compliance and improve the overall service quality, so that everyone's safety will be higher. Of course, this also fully shows that the security of the platform itself can be recognized by everyone, and investors can safely choose a big platform or a small and beautiful platform.

Does the house loan need to be filed with the real estate bureau?

If necessary, the filing process is as follows:

First, determine the property. Before choosing real estate, buyers should focus on the mortgage service, and further understand which bank the developer cooperates with and whether it is supported by the bank, so as to ensure the smooth progress of the mortgage process in the future.

2. Submit a mortgage application. When you confirm that the property you choose is supported by bank mortgage, the buyer should know about the mortgage service from the bank and prepare all the information before filling out the mortgage loan application.

Third, bank audit. When accepting a lender's loan application, the bank shall examine the lender's qualifications to determine whether the lender meets the prescribed conditions.

4. Sign a house purchase contract and a house mortgage contract. After receiving the mortgage loan application and related materials, the bank will issue a loan consent notice or a mortgage loan commitment letter to the buyers after confirming that the lender meets the mortgage loan conditions. Property buyers can sign purchase contracts with real estate developers.

After signing the house purchase contract and paying the real estate license, the buyers sign the house mortgage loan contract with the real estate developer and the bank with the relevant materials stipulated by the bank, and stipulate the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan.

5. Apply for mortgage registration. Property buyers, real estate developers and banks hold mortgage loan contracts and purchase contracts to the local construction committee departments for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion.

6. Establish a repayment account. After signing the mortgage loan contract, the buyer opens a special repayment account in the designated bank and signs the power of attorney according to the contract. After the bank confirms that the purchaser meets the mortgage loan conditions, fulfills the obligations stipulated in the Building Mortgage Loan Contract and goes through the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase price of the purchaser.

Mortgage: seven wants seven don't.

Seven elements:

First, apply for a loan amount according to your ability.

When applying for personal housing loans, borrowers should make correct judgments on their current economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.

Second, choose a good loan bank for mortgage.

For borrowers, they can choose their own loan banks to buy existing houses or second-hand houses. The more services provided by mortgage banks, the more detailed they are. You will get flexible and diverse personal financial services and a rich portfolio of services and products. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.

Third, choose the repayment method that suits you best.

At present, there are basically two ways to repay personal housing loans: one is equal repayment, and the other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.

Fourth, the information provided to the bank should be true.

To apply for commercial personal housing loans, banks generally require borrowers to provide proof of economic income. For individuals, the true personal occupation, position and recent economic income should be provided. Because if your income doesn't reach a certain level and you don't have enough ability to repay the loan, but you exaggerate your income level, you may default at the initial stage of repayment, and it is confirmed by the bank investigation that you have provided false certificates, which will greatly reduce the bank's trust in you and thus affect your loan application.

5. Provide my address accurately and promptly.

If the address provided by the borrower to the bank is accurate, the bank can contact it conveniently and receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, you can receive the interest rate adjustment notice from the bank at the beginning of the year. In addition, it is especially important to remind borrowers that when you move to a new house, you must inform the loan bank of your new contact address and contact information in time.

Six, determine the property owner should consider tax refund.

According to the relevant regulations of Shanghai, individuals who purchase commercial housing after June 1998 1 can enjoy personal income tax deduction. Since the object of deduction is only the property owner listed in the real estate license, it is necessary to carefully determine the property owner (purchaser) of the house purchased for each family.

Seven, monthly repayment on time, to avoid penalty interest.

For borrowers, before the agreed repayment date every month, they should pay attention to whether there are enough funds in their repayment accounts to avoid being punished by the bank for their negligence, and never lose money because of their negligence, and at the same time leave a bad credit record in the bank.

Seven don't:

First, don't use the provident fund before applying for a loan.

If the borrower takes the balance of the provident fund to pay the house payment before the loan, the balance of the provident fund in your provident fund account will be zero, and your provident fund loan amount will be zero, which means you will not apply for a provident fund loan.

2. Don't repay the loan in advance in the first year.

According to the relevant provisions of provident fund loans, the prepayment should be made after 1 year, and the amount you return should exceed the repayment amount of 6 months.

Don't forget to find the bank around you if you have difficulty in repaying the loan.

Don't insist on it yourself when your solvency drops during the loan period and it is difficult to repay. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if there is no default in loan principal and interest, we will accept your application for extension.

Fourth, don't forget to refund the tax when you get the real estate license.

When buying a commercial house, all the family members who can get tax refund should be written into the purchase contract as the property owners, and after signing the contract and paying the house price, they should apply for "deducting the personal income tax paid by the buyer" and obtain their "general tax payment book". The house you bought becomes an existing house, and you have to go to the tax department for tax refund within 6 months after the real estate certificate is completed.

5. Don't forget to inform the rental obligation after the loan.

When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

6. Don't forget to cancel the mortgage after paying off the loan.

When you have paid off all the principal and interest of the loan, you can go to the district/county real estate trading center where the property is located to cancel the mortgage with the bank's loan settlement certificate and other rights certificate of the mortgaged property.

Seven, don't lose the loan contract and IOUs.

When applying for a mortgage loan, the loan contract and the receipt signed by the bank with you are all important legal documents. As the loan term can be up to 30 years, as a borrower, you should take good care of your contracts and IOUs, and read the terms of the contracts carefully to understand your rights and obligations.

Has the house been put on record and has it anything to do with the unpaid mortgage?

According to the relevant data, it doesn't matter, it won't affect the future, because you will pay off the loan before the bank has time to go to the Housing Authority for filing, as long as you get the settlement certificate. Filing in the real estate bureau shows that you have bought this house and cannot sell it for the second time. Developers or vendors are constrained. A loan is a loan relationship between a buyer and a bank. It is best to consult relevant local departments to obtain first-hand authoritative information.