Second hand housing face to face signature to real estate tradin
2. In the process of waiting for loan approval, jiaogongwei, listing and online signing handle the payment of public maintenance fund, listing and online signing
Third, to pay taxes, both the buyer and the seller need to go to the local tax bureau with the materials. Some districts and counties need to make an appointment in advance, while others don't. Before paying taxes, it is necessary to understand the different tax items of housing nature. Second hand commercial housing needs to pay deed tax, value-added tax and personal income tax. Purchased public housing and class II affordable housing need to pay deed tax, value-added tax, personal income tax and land transfer fee. Class I affordable housing needs to pay deed tax, value-added tax, personal income tax and comprehensive land price
Fourth, the transfer of ownership can be handled after the house tax is paid. The transfer is to go to the district housing and construction commission or the real estate registration center. As with tax payment, there are different regulations in different districts. Some need to make an appointment, while others don't.
in general, the bank will go to the guarantee company for face-to-face signing, but some of them are signed by the company itself, such as Lianjia real estate. I love my family. They all sign in the company headquarters. Generally do not go to the bank, by the bank's loan officer to the company to sign. And other companies generally from Houze guarantee company, ten million, settle down business, and many other guarantee companies sign
therefore, it's normal that the face-to-face signature is not in the bank. It's a bit strange if it's in the bank.
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the order of buying second-hand house with loan is to loan first and then transfer ownership
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in the process of handling, there will be a fund supervision account, which requires the buyer to deposit the down payment fund into the supervision account to ensure the authenticity of the down payment, and then go through the transfer proceres after the loan is approved. After the transfer proceres are completed, the other right certificate of the house will be handled. After the other right certificate is issued, the bank will receive the other right certificate, Then the bank will apply for the loan to the buyer, together with the previous regulatory down payment to the seller. Then it's the repayment
When dealing with the second-hand housing loan, if the bank needs to conct the pre-approval, the transfer of ownership is allowed only after the approvalthe specific process of transferring ownership and handling mortgage loan of second-hand house is as follows:
1. Submit materials on the first day, apply for
the buyer and the seller should bring all relevant materials to the bank. Collect and fill in the second-hand housing personal loan application form, and submit all materials to the staff for review
the staff will make a preliminary assessment of the materials and give the approximate loan amount and the number of years. Finally, the three parties agree on a time when the bank will contact the designated real estate appraisal agency to inspect the house for appraisal
2assessment on the 2nd-7th day. After completion, the appraisal institution will issue an appraisal report to the bank. The time consumption of this stage will be determined according to the agreed situation, which can be completed in 3-5 working days. The transaction party needs to pay 500 yuan appraisal fee
On the 8th-10th, the bank will examine and approve the qualification of the loan applicant. After meeting the conditions, the bank will examine and approve the loan amount and term according to the housing appraisal price and the comprehensive qualification of the lender. The approval process is generally about 5 working days, but the Zhongguancun Branch of Minsheng Bank and the loan approval department work in the same office building, and the approval speed is fast. The approval time of each business is 1-2 days4 the down payment shall be paid on the 11th-33rd day, and the buyer shall pay the down payment to the seller after the approval of ownership transfer. Then the buyer and the seller and the bank staff go to the real estate exchange to handle the house property right transfer with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials. Transfer can be completed on the same day, the buyer can wait about 20 working days to get the property certificate
5 on the 34th-35th day, the real estate mortgage registration and insurance proceres will be completed, and the bank loan will be provided.
after the buyer receives the real estate certificate, the real estate mortgage registration and insurance will be completed, and the insurance premium will be about 2000 yuan. Then, after going through the loan issuing proceres, the bank deposits the house money into the seller's account, and the buyer begins to repay the current period on schele in accordance with the contract
1、 Related process:
1. The order of loan purchase of second-hand house is to first loan, then go to the bank to sign, and then go to transfer ownership
2. In the process of processing, there will be a fund supervision account, which requires the buyer to deposit the down payment fund in the supervision account to ensure the authenticity of the down payment, and then go through the transfer proceres after the loan is approved
After the transfer procere is completed, the other right certificate of the house is handled. After the other right certificate comes down, the bank receives the other right certificate, and then the bank issues the loan applied by the buyer, together with the down payment previously supervised, to the seller. Then it's the repayment 4. When dealing with second-hand housing loans, if the bank needs to conct pre-approval, the transfer of ownership is allowed only after the approval
2. The specific process of transferring ownership and handling mortgage loan of second-hand house is as follows:
1. Submit materials and apply on the first day
(1) the buyer and the seller should bring all relevant materials to the bank. Collect and fill in the second-hand housing personal loan application form, and submit all materials to the staff for review
(2) the staff will make a preliminary assessment on the materials, and give the approximate loan amount and ration. Finally, the three parties agree on a time when the bank will contact the designated real estate appraisal agency to inspect the house for appraisal
2
(1) according to the agreed time, the real estate appraisal agency will go to the house source for evaluation. After completion, the appraisal institution will issue an appraisal report to the bank
(2) the time of this stage will be determined according to the agreed situation, which can be completed in 3-5 working days. The transaction party needs to pay 500 yuan appraisal fee
3
(1) the bank reviews the qualification of the loan applicant, and after meeting the conditions, the bank approves the loan amount and term according to the housing appraisal price and the comprehensive qualification of the lender
(2) the approval process generally takes about 5 working days, but the Zhongguancun Branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time of each business can be completed in 1-2 days
4. Pay down payment on the 11th-33rd day and handle the transfer
(1) after the approval, the buyer pays the down payment to the seller. Then the buyer and the seller and the bank staff go to the real estate exchange to handle the house property right transfer with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials
(2) the transfer can be completed on the same day, and the buyer can get the house property certificate after waiting about 20 working days
5. Apply for real estate mortgage registration and insurance proceres on the 34th to 35th day, and bank loans
(1) after the buyer receives the house property certificate, he will register and insure the house property mortgage, and the insurance premium is about 2000 yuan
(2) after going through the loan issuing proceres, the bank deposits the house money into the seller's account, and the buyer begins to repay the current period in accordance with the contract< br />1. House inspection: the buyer inspects the house, the buyer and the seller negotiate the price, payment method, delivery date, etc. generally, all expenses incurred by the buyer and the Seller shall be paid by the buyer and the seller
2. File inspection: the buyer and the Seller shall take the original house property certificate or the original mortgage contract to the land and Resources Department of the archives building to inspect the files< Third, sign a contract: the buyer and the seller negotiate the house price, deposit, down payment, fund supervision, loan application time, ransom fee, transfer application time, tax payment method, delivery date, tenant situation, commission payment time and proportion, and liability for breach of contract. After determining these key points, the buyer and the seller sign a tripartite contract with the intermediary or the buyer and the seller sign a contract, Write the above contents into the contract (Shenzhen unified format contract) and pay a deposit to the intermediary company< 4. The seller and the guarantee company go to the notary office for notarization, and the seller entrusts the guarantee company to handle relevant affairs< 5. Fund supervision and loan application: the buyer pays the down payment to the fund supervision account number of the mortgage bank (usually the original loan bank, which will pay more if it changes to another bank), the buyer and the guarantee company sign fund supervision agreements and related documents with the bank (a lot of documents, but they are busy signing), and the buyer applies for a loan from the bank, After the bank agrees to the loan, it will issue a letter of commitment to the buyer (generally, the bank will notify the guarantee company directly), about 7-8 working days< (6) Redemption: after the buyer pays the guarantee fee to the guarantee company, the guarantee company applies to the original loan bank for redemption, and the guarantee company issues the redemption guarantee to the bank for redemption and cancels the mortgage registration proceres, which takes about 5 working days< 7. House transfer: the buyer and the guarantee company go to the third floor of Shenzhen real estate property right registration center (Jinhu Cultural Plaza, located between the bank bus station and Nanfang pharmaceutical factory) to sign a contract; Shenzhen real estate sales contract (cash sale);, It takes 5 working days for the guarantee company to receive the receipt of the application for real estate transfer< 8. The buyer and the guarantee company sign the receipt at the certificate collection window to collect the house property certificate (remember to make more copies. When you see it again, you have to wait until all the loans have been paid off). The guarantee company takes out the new house property certificate and the mortgage bank makes mortgage registration in Shenzhen real estate property registration center. The bank gives the down payment to the seller. After the mortgage registration of the new house property certificate, It takes about 10 working days for the bank to give the seller the loan after decting the loan for redemption< 9. House delivery: the buyer and the seller handle the house handover, water and electricity transfer, and the buyer takes the key.
If the buyer needs to apply for provident fund loan or commercial loan from the bank, the buyer, the seller and the bank sign on the bank loan contract and other documents related to the bank loan, so that the bank can check the authenticity of the identity of the lender
both the buyer and the seller should go to the counter for face-to-face signature with face-to-face signature information. The loan bank will review the real estate certificate, ID card, marriage certificate and other valid certificates provided by the seller to ensure that the information of the mortgaged real estate is true and correct, and then both parties need to confirm and sign on the loan related agreement
extended data
the second-hand housing loan is determined according to the borrower's occupation, ecation level, repayment ability and the liquidity of the purchased housing (including mortgage housing). Specifically, there are the following points:
(1) men's actual age plus loan period is less than 65 years old, women's actual age plus loan period is less than 60 years old, with Chinese nationality, unlimited household registration, no criminal or non-performing loan records, and stable income
(2) those over 18 years old have full capacity for civil conct, permanent residence of urban residents or legal and valid identity certificate
(3) there is a second-hand house sales contract, and the down payment is paid
(4) have a stable occupation and legal income, good credit and the ability to repay and pay interest on schele(5) when applying for loans, the buyers have their own funds no less than 20% of the purchase price
(6) when the borrower agrees to use the house and its rights and interests as collateral, or the borrower fails to provide the mortgage (pledge) in full, a unit or indivial with sufficient compensatory capacity and recognized by the lender shall be the guarantor to repay the loan principal and interest and bear joint and several liabilities (7) the property right of the second-hand house purchased is clear, which meets the payment requirements of Shanghai and can enter the real estate market (8) the house purchased is not within the scope of demolition notice (9) the price of the house purchased basically conforms to the appraisal price of the lender or its designated real estate appraisal agency (10) other conditions required by the lending bank