What information does the second-hand housing loan need to provide?

1. What information should be provided for second-hand housing loans?

Materials submitted by the Buyer (Borrower):

1. ID cards and household registration books of both husband and wife, and temporary residence permits must be provided by outsiders;

2. Marriage certificate or single certificate (or proof of marital status);

3. Personal income certificate (sample provided by the bank).

Materials to be submitted by the seller:

1. ID card and household registration book of the seller (including the owner), or notarized power of attorney and ID card of the client;

2. A written document that someone agrees to sell the house;

3, the sale of housing property documents;

4. If the house has been rented, the lessee's certification documents and documents agreeing to sell shall be provided;

5. If the seller is an enterprise legal person, it shall provide valid legal person business license, representative certificate and other documents.

Second-hand housing loan buying process

1, check the house and sign the purchase contract.

The first step in buying a second-hand house with a loan is of course to choose a house. Since it is a house, it is natural to look at the house and choose a house. Now that the house has been chosen, the next step is for buyers and sellers to negotiate the price. Once settled, you can sign a house purchase contract, and then go through the loan process.

2. Apply for a second-hand housing loan

Note that when the bank handles the second-hand housing loan, both the buyer and the seller should be present, and both parties should bring all the information. Take personal information with you when buying a house. When selling a house, you should also bring relevant real estate information. After filling in the second-hand housing loan application form, the bank will contact the designated real estate appraisal agency to inspect and evaluate the house.

3. Assessment agencies

You don't need to make an appointment in advance to go to the appraisal agency designated by the location of the house, and you can issue an appraisal report in about three working days. Of course, the specific prescription has to be consulted by the appraisal office. Note that when conducting institutional evaluation, there is also a cost involved, that is, the evaluation fee, which is generally paid by the buyers.

4. Bank audit

After submitting the loan application and evaluating the house, you can submit the relevant information to the bank and wait for the bank's review. Generally speaking, the bank calculates the loan amount according to the evaluation value of the evaluation agency. Of course, the premise is that banks must review the qualifications of loans and meet the conditions before they can pass.

5. Transfer and transfer of property

After the bank audit, the buyer needs to pay the down payment to the seller. The next process is the handover and transfer of property. Generally, the property is handed over first, and then the transfer is made. On the day of transfer, the buyer and the seller can go to the real estate exchange and the bank staff to handle the transfer of property rights with the down payment certificate, the bank's mortgage application review commitment and other materials. Generally speaking, the transfer can be completed on the day of transfer, and the real estate title certificate can be obtained in about half a month.

6. Bank loans

After getting the title certificate, you can go to the bank to mortgage the property. The bank will lend the money to the designated account, usually directly to the seller's account, and repay the mortgage on a monthly basis according to the contract. There may be insurance premium or handling fee in the process of handling property right certificate, and different banks will be different.

Chenggong ziyuntai

Sales reference price: the price is to be determined.

Address: Southeast corner of the intersection of Yan 'an Middle Road and Zijin East Street.

Property telephone number: 400-8 18-0066 to 07589 1.

Second, what information do you need for second-hand housing transfer bank loans?

Second-hand housing loan refers to the loan that the buyer applies for a loan from the bank to pay the house purchase price with the house traded in the secondary housing market as collateral, and then the buyer pays the principal and interest to the bank in installments.

The buyer and the seller sign a sales contract first to confirm whether the buyer has the ability to repay the loan in advance.

Banks choose to apply for interbank lending or interbank lending when they agree to the buyer's loan.

The buyer applies to the bank for refinancing, including the guarantee fee, and the bank or intermediary usually bears the guarantee responsibility of the advance payment.

On the day when the mortgage can be refinanced, the guarantee company or intermediary agency designated by the bank where the buyer applies for the loan will handle the loan repayment formalities with the relevant funds.

After the loan repayment procedures are completed, the guarantee company or intermediary agency shall record the items sold.

After completing the mortgage cancellation procedures, both parties will go to the housing management department for transfer accompanied by the guarantee company or intermediary agency. The guarantee company or intermediary agency will collect the real estate license on its behalf, and receive other rights after mortgage registration.

3. What information does the second-hand house transfer bank loan need?

Transfer fees of second-hand houses includes the following eight aspects, and transfer fees of second-hand houses is specified as follows: 1. Second-hand housing transaction service fee: residential 6 yuan/square meter (half fee for housing reform, affordable housing and affordable housing: 3 yuan/square meter); Non-residential 10 yuan/m2. The buyer and the seller each bear half. 2. Second-hand house transfer registration fee: 80 yuan/set of ordinary second-hand house, which shall be borne by the buyer. 3. Land proceeds from the transfer of second-hand houses (collected): collected at the time of the transfer of housing reform houses, affordable housing and housing projects, and 2% of the normal transaction price of houses. To be borne by the seller. 4. Second-hand house transfer fees: 50 yuan/box. 5. Deed tax on the transfer of second-hand houses: the tax rate is 3%, calculated according to the transaction price of normal transactions; Ordinary housing purchased by individuals for their own use (the building area is below 144 square meters, the floor area ratio is above 1.2, and the transaction price is 4290 yuan/square meter) is levied at half the deed tax rate, and the levy standard is1.5%; Residents buy second-hand houses again, and the part equivalent to compensation is exempt from deed tax. If the transaction price exceeds the compensation, the deed tax shall be levied on the part exceeding the compensation. To be borne by the buyer. 6. Stamp duty on the transfer of second-hand houses: the tax rate is 1‰, calculated according to the transaction price of normal transactions, and both parties to the transaction shall bear half. 7. Business tax and surcharge for the transfer of second-hand houses: the transfer of the real estate license is less than two years, and the business tax cannot be exempted. Business tax needs to be levied according to the difference between the transfer income and the original price of the purchased house. 8. Personal income tax on the transfer of second-hand houses: it will be levied when the purchased houses are listed for less than five years. There are two ways: ① the tax rate is 20%, calculated according to the income from property transfer (transaction price-original house price-original deed tax paid-business tax paid-reasonable expenses); ② If the original purchase invoice cannot be provided, it will be levied at 1% of the transaction price. To be borne by the seller. The above points are about the specific provisions of the second-hand housing transfer fees.

Fourth, after the second-hand housing loan, I began to transfer. What proof will the bank give me?

The normal procedure is to review the lender's credit first, then transfer the property, and the bank will lend money. The bank doesn't need to give you a voucher. The money is transferred to the seller's account and the transaction is completed.