Hello, I want to consult a divorce loan to buy a house. What are the procedures?

Hello, I want to ask about buying a house with a divorce loan. What are the procedures?

It is also ok to bring a divorce certificate account book after divorce, provided that there is no real estate in your name after divorce.

2. What are the procedures for divorce loans?

1. What procedures are required for divorce loan 1. Borrower's application: When the borrower applies for personal house purchase loan, the house purchased must be an existing house or an auction house with a multi-storey main structure capped with more than two-thirds of the total investment by senior management. The borrower is required to fill in the individual housing loan form and provide the following information: (1) the borrower's identity certificate, including ID card or household registration book, etc. (2) Proof of marital status: the married person shall provide the marriage certificate or husband-wife relationship certificate issued by the marriage registration authority, and the unmarried person shall provide the unmarried certificate; (3) a down payment certificate of not less than 30% of the house price; It should be noted here that the down payment ratio of the first set of self-occupied housing with a construction area of less than 90 square meters shall not be less than 20%, and the down payment ratio of commercial facade shall not be less than 40%. (4) A legally binding commercial housing sales contract uniformly printed by the real estate department. (5)*** Proof that the owner agrees to use the purchased house as collateral; (6) Proof of the borrower's family property and economic income. If it belongs to the borrower's family members, all parties shall sign a confirmation letter of repayment responsibility, making it clear that one party is unable to repay and the other party will continue to bear the repayment responsibility. 2. Acceptance and investigation of the bank: The credit department receives the above information, investigates the authenticity of the information and the borrower's ability to repay the principal and interest of the loan, and determines whether to lend, the amount and duration of the loan. The main contents of the investigation include: (1) whether the down payment is fully deposited into the special account for selling houses opened in the credit union; (2) Whether the house price is reasonable and comparable to the local market price of similar property; (3) whether the loan term plus the borrower's age is over 60 years old; (4) Whether the mortgage guarantee is sufficient and effective, whether anyone has issued a legal document agreeing to mortgage, and if necessary, ask the borrower to provide a real estate appraisal report and other rights certificates. 3. Loan examination and approval: the loan examination department focuses on examining the authenticity of house purchase behavior to prevent borrowers and developers from colluding to defraud bank loans; Whether the price of the purchased house is equivalent to the local market price of similar real estate, and when necessary, an institution with real estate appraisal qualification can be entrusted for evaluation; * * * Whether anyone has issued a written legal opinion agreeing to mortgage; The borrower's ability to repay the loan principal and interest; After review by the loan review department, the loan amount and duration can be proposed, and individual housing loan contracts can be signed with borrowers and developers, which can be directly reported to the authorized approver for approval. When signing a loan contract, the agent bank should take the initiative to explain the terms of the contract to the borrower and guarantor. The borrower can only issue the loan after completing the formalities of home insurance, notarization and mortgage pre-registration. When the loan is issued, the loan officer fills in the loan slip, and the borrower signs it or confirms it by fingerprint. At the same time, the borrower signs the authorization of transfer and deduction, and the credit union directly transfers the money to the special account for selling houses opened by the developer in the credit union, and informs the borrower that the loan has been issued, and the developer issues a receipt. The Credit Department shall complete the data archiving within 10 working days after the loan is issued. Two. Repayment method (1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same; (2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month; (3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis; (4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is an integer multiple of 1 1,000 or 1 1,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged. And the new repayment period shall not exceed the original loan period. (5) Repayment of all loans in advance: that is, the borrower can repay all the loan amount in advance by applying to the bank. After repayment, the loan bank will terminate the borrower's loan at this time and handle the corresponding cancellation procedures. (6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty. According to the above answers, it can be concluded that the loan has little to do with whether you are divorced or not. You can apply as long as you meet the requirements. First of all, you need the borrower to apply and submit the materials, and then the bank will investigate before you can issue the loan.

3. Can I buy a house with a provident fund loan after divorce? What are the procedures?

Mr. Chen of Fuzhou has divorced and bought a house with a provident fund loan before marriage. The lender is his ex-wife. Mr. Chen asked: If you buy a house now, can you apply for a housing provident fund loan again? Do you want to change the lender of provident fund? According to Mr. Chen, a few years ago, he applied for a provident fund loan in the name of his wife. After his wife divorced, she owned the house. So far, the loan has not been paid off. In the process of loan, he also extracted the individual housing provident fund. I don't have any real estate under my name now, and I want to buy another house for myself and my daughter. "Buy a house? If so, is it a housing policy? "

The lawyer's answer:

Since the house before marriage is a provident fund loan applied by one party in his own name and the other party is not a lender, the housing provident fund is used to buy a house, but it has nothing to do with the loan. Therefore, six months after the divorce, both parties have paid the housing accumulation fund continuously or accumulated the housing accumulation fund for more than 12 months, and they are still paying the housing loan. In addition, Mr. Chen currently has no other real estate under his name, which can be implemented with reference to the first suite policy.

If the house is purchased in the name of two people, and the house purchased with provident fund loan before divorce is determined to be owned by one of them after divorce, and the debt will be transferred to one of them accordingly with the ownership of the house, then it is necessary to handle the borrower's change certificate, notarized documents proving the ownership of the loan house and other materials to the management department to handle the borrower's change procedures.

4. What are the procedures for buying a car with a single loan after divorce?

The procedures for handling personal automobile consumption loans are as follows:

1, customers go to the bank outlets for consultation, and the outlets recommend special dealers who sign cooperation agreements on automobile consumption loans for users;

2. Go to the dealer to choose the car to buy and sign a car purchase contract or agreement with the dealer;

3. To apply for a loan at a bank outlet, the materials required are:

① Individual: loan application; Valid identity documents; Occupation and income certificate and basic family information (single divorced people can go to the local civil affairs bureau to open a single certificate); Car purchase contract or agreement; Certificates or documents required for the guarantee; Other conditions stipulated by the lender.

Legal person: loan application; Business license of enterprise legal person or business license of enterprise legal person; The legal representative and his supporting documents; A loan certificate issued by the People's Bank of China; The financial report of the previous year and the balance sheet, income statement and cash flow statement of the previous month audited by the accounting (auditing) firm; List of mortgaged property and pledged property, and proof of consent to mortgage and pledge. The mortgaged property must also submit the certificate of ownership or use right, appraisal and insurance documents, and the pledged property must also provide the certificate of right and the certificate that the guarantor agrees to guarantee; Other conditions stipulated by the lender.

4. The borrower shall take full responsibility for the authenticity and legality of the materials provided.

5. After accepting the loan application, the bank has the right to investigate the credit status of the borrower and guarantor. If the loan conditions are not met, the bank will notify the borrower within 15 working days after accepting the loan application; For those who meet the loan conditions, the bank will put forward specific opinions such as loan amount, term and interest rate, promptly notify the borrower to go through the loan guarantee procedures, and sign the Automobile Consumption Loan Contract.

6. The borrower shall arrange collateral insurance in advance in the insurance company designated by the bank, and indicate in the insurance policy that the first beneficiary is China Construction Bank, and the insurance period shall not be shorter than the loan period.

7. The bank issues a notice of automobile consumption loan to the dealer, and the borrower also pays the dealer the down payment for car purchase. 8. After receiving the notice of automobile consumption loan and the receipt voucher, the dealer shall assist the borrower to go through the formalities of payment and license obtaining in the relevant departments, and directly hand over the purchase invoice, the original payment voucher and the copy of the driving license to CCB.

9. If the borrower takes the purchased car as collateral, its insurance policy, car purchase invoice and other documents shall be kept by CCB during the loan period. During the contract period, the bank has the right to supervise the borrower's income and collateral, and supervise the guarantor's reputation and compensatory ability, and the borrower and guarantor should provide assistance.