Sales Office Loan Process and Procedures Sales Office Loan Process

What is the commercial loan process for buying a new house in Beijing?

Buying a new house with a commercial loan is a relatively simple process. Property buyers basically submit loan application materials to bank staff or agents at the sales office, including ID cards, household registration books, income certificates, bank running water, etc. After receiving the loan application, the bank will review the applicant's information and qualifications, and if it passes the examination, it will sign a loan contract and issue loans.

1. What materials should I prepare to apply for a commercial loan?

Because the new house commercial loan face-to-face signing and application location, most of them are in the sales office. Therefore, when applying for a commercial loan, you need to bring the prepared materials to the sales office on the day of signing the contract and hand them over to the bank staff or the staff of the agency company. The materials to be prepared are as follows:

Different borrowers need to prepare slightly different materials.

Note: Family bank running water can be appropriately distinguished from income certificate, and bonus and other contents can be covered in income. Second, what is the process of commercial loans?

Submit loan information-loan qualification examination-sign loan contract-issue loan.

1. Submit loan information

Generally speaking, developers will have one or more designated cooperative loan banks, and you can choose one of them to handle housing loans. Bring the required materials and give them to the bank staff.

2. Loan qualification examination

The bank examines the lender's loan qualification, including the authenticity of personal information, age, personal credit history, income, etc. Among them, in terms of the age of applicants, many banks over 65 no longer accept loan applications. In personal credit records, banks refused to lend three to six times overdue, and individuals refused to lend in two or more banks in Beijing.

The income needs to reach twice the monthly payment of the loan application, and it is required to cover all liabilities under the personal name, including car loans. Generally, banks will require applicants to provide details of bank flow in the past six months to prove their income ability.

Proof of income is very important, so you must keep in mind the above precautions.

After receiving the loan applicant's materials, the bank will review the loan applicant. General commercial loans take 7- 10 working days (the specific review time is subject to each bank).

3. Sign a loan contract

After the bank is approved, it will sign a formal loan contract with the applicant. In practice, the borrower will sign the loan contract when submitting the materials, but the bank will only stamp the contract after approval.

Step 4 lend money

After the bank completes the loan process internally, the loan will be directly distributed to the developer, and the applicant needs to repay the loan to the bank every month. It should be noted that if the applicant purchases an auction house, the bank will issue the loan only after the auction house is capped.

3. What is the interest rate of commercial loans?

The bank loan interest rate is implemented according to the interest rate issued by the central bank. At present, the interest rate of commercial loans over five years is 4.9%. However, some banks will also have preferential interest rates, and the specific interest rates need to be consulted.

To buy a new house, the process of commercial loan is relatively simple. As long as the applicant prepares the face-to-face information of the commercial loan, other steps are basically not required to be handled by himself, and the agent of the developer or agency will help you.

This content is only applicable to Beijing.

What is the process of buying a house with a commercial loan?

1. Fill in the application materials: 1, personal housing loan application form 2, personal housing loan loan contract 3, loan housing ownership certificate custody contract 4, power of attorney 5, letter of commitment 6, conversation record.

2. Submit application materials: 1, ID card, household registration book, temporary residence permit, marriage certificate, academic certificate and other relevant certificates of the applicant and spouse. 2. The original purchase agreement. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

Step 3: Bank audit. According to the information provided by the lender, the bank examines the lender's credit standing, loan amount and loan term.

Step 4: Sign the loan-related contract. Commercial loan purchase process: sign a tripartite contract → apply for a bank loan → the bank issues a loan agreement → the Housing Authority submits documents, checks and pays taxes, and transfers the ownership → issues a new certificate → mortgage the property → mortgage the loan, hand over the property → transfer the ownership of water, electricity, gas and digital TV → the transaction is completed! You need to know at which bank the real estate deals with mortgage loan business. The representative of the sales office only collects loan information. After the loan information is ready, the bank will approve it. Because the loan scale is tight now, it depends on the bank's quota. The approval time cannot be determined, the fastest is 1 week, and the longest is not limited. After handling the loan process, the developer shall register with the Housing Authority with the loan agreement, commercial housing purchase contract and mortgage contract. It usually takes about a week to get to the house.

The information you need to prepare is probably that different banks are slightly different:

1. Original and photocopy of the borrower's ID card;

2. The borrower's marriage certificate, and the original and photocopy of the single certificate are required for singles;

3. The original income certificate of the borrower;

4. Other information that the bank needs to prepare. If you buy a new commercial house, the developer will help you with the mortgage procedures. In addition to providing the mortgagor's ID card and household registration book (personal page on the first page), the married person shall provide the marriage certificate, and the unmarried person shall provide the civil affairs bureau's single certificate. And proof of income, such as the tax payment certificate of running salary (the amount is 2.2 times of the monthly payment), depends on whether there is a purchase restriction order in your city, whether it meets the standard of buying a house, and other materials that need to be prepared. You can check the details of the relevant purchase restriction order yourself.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

Loan to buy a house process steps

The process of buying a house with a loan:

First, prepare before seeing the house.

Before looking at the house, you can make a capital plan first to understand the down payment funds available for distribution.

It is best to have a detailed down payment fund range, and choose a suitable house within this range.

According to my qualifications for buying a house, I have determined the type of property I want to buy. If I can't buy a house for 70 years, I can buy a house for both business and residence.

Second, Tian Zhai.

Go to the sales office to see the real estate, and demand depends on the project sand table, apartment sand table and regional sand table.

Understand the details of the whole building, ask the property consultant about the surrounding facilities and planning, as well as the unit price and preferential activities of the house.

If you know about the auction project, usually, the surrounding facilities are still under planning. You can go to the government website to check the surrounding planning documents.

Third, arrange the number and choose the house.

For some centrally opened properties, developers will ask buyers to stop arranging numbers, and wait until the real opening day to stop choosing houses according to certain rules.

When choosing a house, the whole process is relatively compact, so buyers can make a backup plan in advance and try to choose their favorite house.

Fourth, subscribe.

Choose a good house, if you want to subscribe, buyers need to prepare the information for the qualification examination in advance, sign the subscription book and hand it over to the developer staff.

At the same time, a part of the deposit will be paid at the time of subscription. The deposit has a receipt (UnionPay receipt), and the amount paid by the deposit does not exceed 20% of the total house price specified in the contract.

5. Online signing, signing and down payment.

After submitting the house purchase qualification audit, the audit results will be issued within 10 working days.

After the audit, the developer informed the buyers to sign the purchase contract. When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the rights and obligations in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, and whether the delivery date and specifications are clear.

Pay the down payment, generally there will be pos machines in the sales offices, and the UnionPay receipts that have been paid by credit card should be collected, waiting for the developer to issue the down payment invoice. You can get it the same day.

Sixth, loans.

If there is a bank staff stationed in the sales office, buyers can hand over the prepared information to the bank.

The time of lending is related to the speed of bank processing and the situation of building capping. Take Beijing as an example. In the case of auction, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of national provident fund loans has nothing to do with whether it can be capped.

Seven, check the house and accept the house.

After the first few steps are completed, developers such as buyers' demand will inform them to close the house. Buyers need to pay attention to the closing time. When inspecting the house, they should carefully check every detail of the house and check the "three certificates, two books and one form".

If the developer can't produce these documents, he can directly refuse to accept the house. If you don't trust my house inspection, you'd better ask a professional to stop it.

Eight, pay taxes.

After the house is closed, all buyers can pay taxes to the local tax bureau with the purchase invoice and the measured area difference invoice (if the auction house has an area difference, this invoice will be available).

Generally speaking, commercial housing needs to pay deed tax and residential special maintenance fund, and commercial housing needs to pay additional stamp duty, and then pay property fees, heating fees, parking spaces and other expenses.

Nine, handle the room.

When buying a house with a loan, the developer usually asks the third party to stop acting, and the buyer only needs to hand over the information and expenses to the agent, waiting to get the house book.

Under normal circumstances, you will leave the house within 180 days (existing house) -270 days (forward house) from the date of occupancy.

What is the process of buying a house by auction loan?

Forward housing loan process: Step 1: Before handling the loan, the borrower should find out whether the purchased building has a letter of commitment issued by the bank to provide personal housing mortgage loan. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank.

Step 2: Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form.

Step 3: loan bank: the loan officer will review all the materials and documents submitted by the loan applicant and approve them step by step.

Step 4: The loan bank takes back the completed materials and issues loans according to the legally effective loan contract.

Step 5: Property Right Registration Notary Office of Land and Resources Bureau: Go through the formalities of property right mortgage registration. Step 6: Inform the developer to take back the loan contract, and the developer will issue a certificate to the loan bank to pay off the house payment.

Step 7: Inform the borrower to get back the loan contract, iou and insurance policy.

Step 8: The loan officer of the loan bank files the loan.

When handling mortgage loan, you need to provide relevant information to the bank: identity certificate, income certificate, house purchase contract and loan contract (if mortgage to buy a house is a non-local, you also need to provide the identity certificate and income certificate of the guarantor with a local account). Banks need to review the relevant procedures of developers and all materials and documents submitted by loan applicants, and review them step by step. After the examination and approval, the loan bank will recover the completed materials and issue loans according to the legally effective loan contract. After the loan is issued, the developer will return the contract to the buyers. It is best to go through the mortgage formalities yourself.

(a) to review whether the property to be purchased meets the loan conditions, and remind buyers to first understand whether the property to which the house to be purchased belongs has signed a contract with the bank and whether it belongs to the auction scope that can be pre-sold.

(two) signed a house purchase agreement with the developer and paid the deposit. I hope my answer can help you. Auction loan purchase process: 1. Have a legal occupation and stable economic income, have the ability and willingness to repay on time, and have a good credit status.

2. There are legal and valid commercial housing sales contracts registered and filed by relevant departments.

3. Self-raised funds shall not be less than 30% of the total purchase price.

4. Agree to mortgage the purchased house.

5. Agree to handle the comprehensive loan insurance business.

6. A guarantor agrees to guarantee until the property right certificate is obtained and the mortgage registration of other rights of the house is handled, and it is handed over to the loan bank and the housing provident fund management center for safekeeping. The first step in the process: sign the subscription book.

After the official sale of commercial housing auction begins, a sales office will generally be established. After the purchaser approves this project, he can sign the subscription book at the sales office and pay the deposit. The seller shall truthfully introduce the progress of the project to the buyer, and hand over the signing instructions, relevant publicity materials and legal documents to the buyer.

After the subscription book is signed, the seller should give the buyer "signing instructions" so that the buyer can understand the following links and relevant details of signing.

The second step in the process of purchasing commercial housing: signing a sales contract.

After the subscription book is signed, the purchaser shall sign a formal contract at the designated place within the time stipulated in the subscription book. Contracts include: domestic commercial housing sales contracts, domestic commercial housing pre-sale contracts, export commercial housing sales contracts, export commercial housing pre-sale contracts, affordable housing sales contracts, etc.

Signing a sales contract is the most important part in the whole procurement procedure, and the contract is also the most important legal document in sales. The contract is generally in quadruplicate, with two originals, one for the developer and one for the purchaser. Two copies, one for the developer and one for the local housing management department.

The third step of commercial housing purchase process: pre-sale registration

The contract has legal effect only after the seller and the buyer complete the pre-sale registration. The Buyer and the Seller shall go to the market office of the Housing and Land Administration within 30 days after signing the Contract. At the same time pay stamp duty. During this period, if the buyer transfers the purchased property, the buyer and the transferee shall endorse the contract. Within/0/5 days from the date of endorsement, both parties shall go to the market place with relevant documents to handle the transfer registration and sign the transfer registration application form, and the market place shall notify the seller within/0/0 days from the date of transfer registration.

The fourth step of the commercial housing purchase process: sign the management convention and go through the check-in procedures.

After the buyer pays the house price according to the relevant terms of the contract, the developer will inform him to move in and arrange for the buyer to contact the property management company. Property management companies will issue property management conventions and charging standards to property buyers. If the purchaser signs a management convention with the property management company and pays the management fee, he can take the key and move in.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

The introduction of the loan process of the sales office ends here.