Do you really understand the relevant procedures and processes of housing loan?

Taking the most common commercial housing loans as an example, commercial loans are divided into newly-built commercial housing and stock housing (second-hand housing).

The departments involved usually include buyers and sellers, loan banks, notary offices, real estate bureaus, tax bureaus and other relevant departments.

First, the transaction process of newly-built commercial housing: This kind of housing is generally directly from consumers to developers, and its transaction characteristics are short cycle, simple procedures and high taxes.

1. As a procedure for consumers to purchase a developer's new house, take Changchun, a second-tier city, as an example, to provide ID card, household registration book, marriage certificate (single certificate), income certificate, bank account and credit report. It should be noted here that the income certificate is twice the monthly repayment amount, and the income certificate needs to be stamped with the official seal or financial seal of the company. The bank's running water needs to be equal to the income, which usually takes half a year or a year. Credit report refers to the daily credit situation of individuals, and it is also an important indicator for banks to examine customers' loan and repayment ability. For overdue customers, it is impossible to apply for bank loans. Here, remind everyone to cherish the credit information.

2. In the transaction of new commercial housing, first, the customer signs a commercial housing deposit contract with the developer company, and the customer prepares the above required information. Then the customer signs a contract with the bank that the developer cooperates with, also called face-to-face signing, to discuss the loan amount, monthly payment, loan term and other related issues, and conduct examination and approval. After collecting the customer's information, the bank thinks that the customer meets the loan conditions and will pass the loan applied by the customer. After the loan is approved, the developer will inform the customer to sign the filing contract. At this time, the house is officially settled in the customer's name, resulting in legitimate rights and interests, and the developer will also receive loans approved by the bank. The last step is to hand over the house. Generally, most new houses are auction houses. Delivery means that customers must pay attention to the state of delivery, ask developers for residential quality guarantee and residential instructions, and communicate with developers in time on major issues that have objections such as poor area, water leakage and wall cracking.

3. The transaction taxes involved are mainly composed of deed tax and property maintenance fund, with 90 square meters as the dividing line. Take Changchun as an example, the deed tax of less than 90 square meters 1 minute, and more than 90 square meters 1.5 minute. The main body of calculation is the transaction price of commercial housing, and the property maintenance fund is divided into multi-storey and high-rise buildings, with multi-storey 95 per square meter and high-rise 65438+.

Second, the transaction process of the stock house: the average consumer of this kind of house buys the owner's free property house through the intermediate channel, that is, there is one more link in the middle, and its transaction characteristics are long cycle, housing, low taxes and complicated procedures.

1. The supporting information provided as a customer is the same as that of a commercial house, but it is stricter than that of a new house, because the developer's housing is more authoritative and convenient, and the bank will give more preferential policies. Because second-hand housing is the focus of state regulation, loan amount and interest rate are usually limited by banks.

3. The transaction taxes involved are mainly composed of deed tax and property maintenance fund, with 90 square meters as the dividing line. Take Changchun as an example, the deed tax of less than 90 square meters 1 minute, and more than 90 square meters 1.5 minute. The main body of calculation is the transaction price of commercial housing, and the property maintenance fund is divided into multi-storey and high-rise buildings, with multi-storey 95 per square meter and high-rise 65438+.

Second, the transaction process of the stock house: the average consumer of this kind of house buys the owner's free property house through the intermediate channel, that is, there is one more link in the middle, and its transaction characteristics are long cycle, housing, low taxes and complicated procedures.

1. The supporting information provided as a customer is the same as that of a commercial house, but it is stricter than that of a new house, because the developer's housing is more authoritative and convenient, and the bank will give more preferential policies. Because second-hand housing is the focus of state regulation, loan amount and interest rate are usually limited by banks.

2, the transaction process, second-hand housing is much more complicated, buyers and sellers will sign a sales contract under the mediation of the intermediary, and reach a preliminary agreement.

Online signing for filing: In the north, Guangzhou and Shenzhen areas, it is necessary for an intermediary to apply to the Housing Authority for filing to see if the customer meets the filing information and avoid the risks in the housing transaction process. At present, Changchun does not need online signing for the record.

Dayu huabang

betray

Reference price: reference average price 15000 yuan/㎡.

Property address: 300 meters north of the intersection of Xi 'an Road and Qingzhou Road in Green Park.

Property telephone number: 400-8 18-0066 to 0 1 1687.