What does it mean to buy a house and sign a loan?

1. What is the significance of buying a house with a face-to-face loan?

In fact, it is to sign the contract face to face, also called face-to-face signing at the bank.

Face-to-face signing at the bank refers to the procedure that when buying a house loan, the borrower (together with the repayment person or guarantor) brings the legal and valid original certificate, seal and the loan expenses to the loan bank to pay the loan expenses, and then interviews and signs.

In the sale of real estate, after the buyers and sellers sign the sales contract, the buyers who need to apply for loans need to apply for loans from the bank. Sign a preliminary agreement with the bank to buy a house and fill in the information. After the contract and invoice are ready, the bank will review the information and then ask for an interview. yuqiancyh

Second, the bank loan for buying a house has been signed in person. How soon can it be approved and the monthly payment be started?

And other procedures, but also depends on the loan fast 15 days before lending, slow to.

Data expansion

Bank loan refers to an economic behavior that an individual or enterprise lends money to a bank at a certain interest rate according to the policies of the country where the bank is located.

Chinese mainland Branch of a Hong Kong-funded bank may apply for monetary loans according to the loan situation when accepting bank loan applications;

1. The annual interest rate of RMB loans is 3% of the benchmark set by the central bank. Judging from the current situation, it is generally floating, reaching the annual loan interest rate of 7% to 9%. The RMB loan system needs to be decided by itself.

2. The annual interest rate of Hong Kong dollar loans is determined by the bank according to Hong Kong regulations, and the annual interest rate of loans is half lower than that of RMB loans;

The difference between Hong Kong dollar loans and RMB loans, with the same loan value of 6.5438+0 million, can save 30,000-40,000 yuan of bank loan interest, which is of great significance to the majority of enterprises.

According to different classification standards, there are many types of bank loans. For example:

1, term loan, medium-term loan and long-term loan;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3, according to the classification of commercial loans, agricultural loans, consumer loans, valuable;

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. Not according to the loan amount;

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

Compared with other financing methods, bank loans have the following main disadvantages:

First, the conditions are harsh, and restrictions are time-consuming and laborious. Sometimes it may not run for a year;

Second, the loan period is relatively short, and long-term investment can rarely be loaned;

Third, the loan amount is relatively small, so it is difficult to solve all the funds needed for enterprise development through banks, and the loan risk is high, so it is difficult to obtain bank loans.

Bank loan _

China Construction Bank

When it is confirmed that there is no bad record.

Third, what does it mean to buy a house face to face?

Question 1: I want to buy a house, and I said I want to sign it in person. What is a face-to-face interview? The developer asked for an interview because he wanted to verify the real situation of the buyers.

Face-to-face bank signing refers to the materials used by buyers (including * * * someone) to sign loan contracts, mortgage contracts, application forms, commitment letters and other applications for loans.

The Housing Authority needs both husband and wife to be present, and take photos and samples when making the advance notice registration of the purchase contract. Therefore, it is also necessary to sign in person.

Question 2: What does online signing and face signing mean after buying a house and signing a house contract? After signing the contract with 10, the house purchasing qualification shall be reviewed within 5 working days. After the contract is qualified, it will be signed online and evaluated after signing online. The evaluation report will be signed in five working days.

Question 3: What does the bank face-to-face sign mean? Refers to the borrower (together with the repayment or guarantor) carrying legal and effective certificates, signatures and original loan fees; Go to the loan bank to pay the loan fee and go through the interview and signing procedures. Also refers to the interview. One of the key points of the interview is to dispel the doubts of the other party.

Face-to-face signing is a necessary procedure to apply for a loan from a bank. When applying for personal loans, borrowers need to bring ID cards and other documents to the bank to sign IOUs and contracts. Experts in Duoqian.com suggest |: It is called face-to-face signing because it requires the borrower's personal signature.

The main purpose of face-to-face signing is to prevent borrowers from borrowing without the ability to borrow and maliciously defrauding loans. When signing face-to-face, the borrower should bring all the information, including the original real estate license, sales contract, salary table, employment certificate, ID card, household registration book, etc.

Question 4: What does the face-to-face interview mean? Face-to-face, face-to-face and written contract agreements, as well as face-to-face and negotiation, are all face-to-face

Question 5: What materials do you need for a house interview?

1. Buyer's spare parts:

⑴ 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), 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 card of the bank to be signed.

⑵ 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 need to be signed in person, and the buyer must be present at the same time when guarantor and borrower need to be added 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 title certificate

If the business address is inconsistent with the address of the loan contract property, it is necessary to provide proof that the address of the arched property or the property address issued by the neighborhood Committee is consistent.

2. The seller's spare parts:

(1) Owner's own property right certificate (both married couples should be present) from purchased public houses to original house purchase contract (if there are restrictive clauses)

The certificate issued by the unit giving up the preemptive right or agreeing to sell), the central delivery room needs 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 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.

⑶ Widowed seller: need to inherit notarization and death certificate.

Question 6: What does it mean to sign compensation for buying a house? Signing a house purchase compensation means:

The seller (usually an intermediary) must promise to sell the house on the basis of negotiated price within the time limit specified in the house signing contract. If this requirement is not met, the contracting party will be given a certain amount of money for one month, but relatively speaking, the seller (intermediary) of the house will have the exclusive right to sell, and if the landlord sells through other intermediaries or sellers, there will also be a commission.

Question 7: What does it mean to buy a house face to face? Face to face, face to face and face to face, face to face, face to face and negotiation are all face to face.

Question 8: What does it mean to buy a house face to face? In fact, it means to sign the contract face to face, also called face to face with the bank.

Face-to-face signing at the bank refers to the procedure that when buying a house loan, the borrower (together with the repayment person or guarantor) brings the legal and valid original certificate, seal and the loan expenses to the loan bank to pay the loan expenses, and then interviews and signs. In the sale of real estate, after the buyers and sellers sign the sales contract, the buyers who need to apply for loans need to apply for loans from the bank. Sign a preliminary agreement with the bank to buy a house and fill in the information. After the contract and invoice are ready, the bank will review the information and then ask for an interview. yuqiancyh

Question 9: What do you mean by face-to-face interview? When you apply for a visa to study abroad, you must interview people there.

Question 10: What does the face-to-face loan for buying a house mean? Buyers and sellers need to bring ID cards and other materials to sign the contract and ask for records!

4. What does the first-hand room interview mean?

Face-to-face signing of first-hand houses means that buyers need loans and go to the bank to sign loan contracts. First-hand houses are generally loan banks designated by developers for cooperation. If there are more new buyers, the loan bank will send 1-2 account managers to the sales department every day to sign mortgage loans, so buyers only need to prepare loan materials according to the information notified by the property consultant of the sales department and sign mortgage loans for first-hand houses directly in the sales department.

In the later period, if there are fewer loan customers, the buyers will directly go to the designated loan bank to handle the mortgage loan interview.