Must-see: interview process and necessary materials for second-hand housing bank loans

For people who buy a house with a loan for the first time, they may not understand what a bank interview is. Many people are faced with the problem of bank lending and face-to-face signing.

Second-hand housing bank loan signing process: divided into intermediary agents and individuals.

I. Intermediary agent:

Real estate agents can basically save both parties a lot of time, but the specific contract face-to-face signing and bank face-to-face signing are also carried out jointly by buyers and sellers. Compared with the individual handling, the intermediary agent also needs to join the intermediary agency contract, and all three parties are contractually binding.

Second, the individual to handle:

Individuals are basically in direct contact with buyers and sellers. Although the high agency fee is saved, the risks are directly borne by both parties.

Personal face-to-face signing process: confirm that the house has no mortgage and no creditor's rights → confirm the housing loan situation → if there are still outstanding loans, both parties discuss the way for the housing bank to cancel the mortgage → confirm the payment method of the house purchase, commercial loan or provident fund loan → it is best to find a third-party guarantee company, because the bank loan will still be carried out after the house is transferred → sign a contract to pay the deposit, and the Housing Authority signs online → pay taxes → transfer → both parties make an appointment for face-to-face signing with the bank.

Necessary materials for bank face-to-face signing

First,? Buyer's spare parts:

1. Married (both husband and wife should be present): husband and wife's ID card, household registration book, marriage certificate, temporary residence permit (foreign household registration), education certificate of both parties (high school education or above is required), income certificate, tap water, copy of business license with official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), work permit (not required for private enterprises) and bank to be signed.

2. Unmarried: ID card, household registration book, temporary residence permit (foreign household registration), education certificate (high school education or above is required), income certificate, running water, copy of business license with official seal (not required by state-owned enterprises, institutions and Fortune 500 companies), work permit (not required by private enterprises) and bank card should be signed in person, and the buyer must be present at the same time when additional guarantors and borrowers need to sign in person.

Note: In case of two sets of face-to-face interviews, the property right certificate and loan contract (settlement certificate) of the first house purchase need to be presented. If the property address on the property right certificate is inconsistent with the property address on the loan contract, it is necessary to submit the property right certificate or the property address certificate issued by the neighborhood Committee.

Second, the seller's spare parts:

1, the owner's own property right certificate (both married couples should be present), the purchased public houses should have the original purchase contract (if there are restrictive clauses, the unit should issue the certificate of giving up the preemptive right or agreeing to sell), and the central delivery room should have the central production listing form, ID card, household registration book, marriage certificate, bank card or current passbook.

2. Seller's divorce: divorce certificate and divorce agreement or court judgment are required for the purchase of real estate during the marriage (the original spouse is required to be present if the property right is unclear), and divorce certificate and deed tax ticket are required for the purchase after divorce.

3. Widowed seller: Notarization and death certificate are required.

(The above answers were published on 20 15-08- 10. Please refer to the current actual purchase policy. )

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