What is the specific process of housing mortgage loan?

1. At the sales site, the developer will express or show you the following contents according to law:

State-owned land use certificate

land use permit

planning permit of construction engineering

building permit

Pre-sale permit for commercial housing

Notice on the Audit of Commercial Housing Sales Area (Forecast)

Measures for the administration of commercial housing sales

Measures for the administration of pre-sale of urban commercial housing

Model text of commercial housing sales contract

Temporary owners convention

Pre-sale permit for commercial housing

Pre-property management service contract

Two. Sign an appointment agreement for commercial housing, pay the down payment, and get the guide for obtaining mortgage loans.

After selecting a house and reviewing the necessary documents, you need to bring the following materials to sign the commercial housing reservation agreement and pay the deposit, and at the same time receive the mortgage loan guide and proof of economic income: the original ID card.

3. Pay the house price, sign the commercial housing sales contract, and handle the mortgage loan procedures.

Within the time agreed in the signed commercial housing reservation agreement, you need to go to the sales service center with the following materials to handle the house payment delivery procedures, sign a sales contract with the property owner himself, and go through the bank mortgage loan procedures as agreed.

Original ID card;

Original commercial housing reservation agreement;

Original deposit invoice;

Information needed for mortgage loan.

Remarks:

You can pay by cash or credit card. For details, please refer to the payment notice attached when signing the reservation.

At present, Bank of China (Tuesday and Thursday), Agricultural Bank (Wednesday) and Industrial Bank (Friday) provide on-site mortgage loans.

In case of special time such as holidays, the bank office hours will be adjusted.

1. If bank mortgage repayment is selected, the following conditions must be met:

At least 18 years old, a domestic person with full capacity for civil conduct;

If you are under the age of 18 and still need to apply for a loan, the bank will review whether to grant the loan;

The sum of age and mortgage years shall not exceed 60 for men and 55 for women (specific matters shall be subject to the confirmation of relevant banks);

Have a stable and legal occupation and income source, and the monthly payment cannot exceed 50% of the monthly income.

2. When handling the mortgage formalities, the following information shall be provided:

ID card, household registration book and marriage certificate of the borrower and spouse (if single, single certificate, divorce certificate and unmarried certificate are required);

Proof of economic income stamped with the official seal or financial seal of the unit;

Other information required by the bank: such as a copy of the business license of the unit where the bank is located and the contact person from other places in Shenyang.

Commercial housing sales contract, settlement invoice, residence permit notice, public maintenance fund invoice.

3. The fees to be paid for bank mortgage procedures are as follows:

Please refer to the charging unit: 65,438+0.5% (residential) or 4% (non-residential, i.e. garage, warehouse, shop, etc. The deed tax paid by the intermediary service agency designated by the bank on behalf of the customer. The Finance Bureau collects the maintenance fund from the intermediary service agency designated by the bank. The unit price of the commercial house is higher than 2,300: the area is 2,300 * the unit price is lower than 2,300: the total house price.

The notarization fee paid by commercial banks is generally 100- 150 yuan/piece (individual charging standards are different). The amount of insurance premium loan of notary office * mortgage period * corresponds to the insurance coefficient. 600 yuan/Zhang's intermediary service agency designated by the bank collects the handling fee in advance, and then settles the bill, and the real estate bureau collects the overpayment and underpayment.

Note: All fees charged by the bank can only be paid in cash (the above charging information comes from various charging units for reference only).

4. After the contract is signed, the developer will send the contract to the contract filing department of Shenyang Real Estate Trading Center for filing the commercial housing sales contract, which generally takes 5 working days. After the contract is returned, the staff of the sales service center will notify the bank to designate an intermediary service agency to receive the registered commercial housing sales contract.

5. Customers who purchase non-residential houses (garages, warehouses, shops) must pay transaction fees at the time of contract filing in accordance with the regulations of Shenyang Real Estate Bureau. You can choose to pay by yourself at Shenyang Real Estate Trading Center or by the developer.

Four. Start making contributions

After completing the bank mortgage formalities and the bank loan reaches the developer's account, you need to get the passbook and bank card according to the bank regulations and start making contributions at the specified time.

Verb (abbreviation of verb) goes through the formalities of house delivery

After you receive all the house payment, the developer will inform you to go through the house delivery formalities at the designated place, get the house key and inspect the house according to the contact information agreed in the contract before the delivery date stipulated in the Commercial House Sales Contract signed by both parties. If you fail to receive the notice in time, please contact the developer according to the delivery time agreed in the contract and go through the delivery procedures.

Intransitive verbs apply for real estate license

After staying for about three months, after the developer agrees to the initial registration, the intermediary service agency handling the bank mortgage loan will handle the house ownership certificate and other rights certificates, and the intermediary service agency will handle the related matters of the above documents and settle the fees according to the relevant regulations of the bank.