The commercial loan house purchase process is: review, online signing, evaluation, interview, tax payment, transfer, mortgage registration, and loan.
1. When purchasing a second-hand house with a commercial loan, what is the process that requires the buyer to participate?
House purchase qualification review: Married families in Beijing can only own two houses, and single families in Beijing can only own one house; for those who currently own houses (including newly built commercial houses and second-hand houses), the number of houses reached or exceeded House sales in this city are suspended to households registered in this city with a limited number of units.
During the qualification review, you need to pay attention to these 6 situations
Online signing: that is, entering the relevant terms of the "Existing Housing Sales Contract" online in the Housing and Urban-Rural Development Commission signing system and filing the contract.
Houses seized by the court, affordable houses less than 5 years old, centrally-owned properties that have not gone through the central-property listing procedures, houses without real estate certificates, houses that have not paid service fees to the company, houses that have not been verified passing houses.
Appraisal: That is, an appraisal company approved by the lending bank will obtain the appraisal value based on the location of the house, the year of construction, etc.
The appraisal fee for a commercial loan is 600 yuan per time. When a home buyer purchases a house through Lianjia, the appraisal fee will be collected by the Lianjia store and transferred to the appraisal company.
Interview: The loan contract is signed on the day of the commercial loan interview, but the borrower cannot get the loan contract that day and has to wait for the bank to issue the loan.
The bank will issue a loan approval letter: After face-to-face signature and transfer, the bank will issue a loan approval letter in 15-20 working days.
Tax payment: Starting from March 1, 2017, all tax payment services should be booked through online pre-examination. You can apply after online signing, and the validity period is 30 natural days.
Transfer: If the buyer cannot be present, a handwritten power of attorney is required;
Mortgage registration: After the house is transferred, it is necessary to go to the Housing and Urban-Rural Development Committee to apply for mortgage registration. After the mortgage registration is completed, the Construction Committee will issue a certificate for the bank. and stamp the mortgage registration seal on the buyer's house ownership certificate.
Bank lending: Note that after the bank lends money, the borrower needs to start repaying the loan. Pay attention to the lending bank's repayment date and repayment amount to avoid overdue payments.
2. When a buyer purchases a house with a commercial loan, what is the process that requires the seller’s cooperation?
Property verification: If the house being traded is a commercial house, a purchased public house (not owned by the central government), an affordable house that has been for more than 5 years (the government has given up the repurchase), a relocation property or a comfortable/settled residence. Houses and houses managed as affordable housing (non-central housing) can be listed and traded directly, while other houses must be listed first.
Interview: The seller needs to cooperate with the bank in checking personal credit information, etc.
Materials required for the seller’s signature
Tax payment: If not present, a power of attorney is required.
Transfer: The seller cannot be present and provides a notarized power of attorney. If the transaction house is a centrally-owned house in the Sixth District of the city, the seller must provide the "Registration Notice of Change of Property Rights Purchased by a Central Unit in Beijing".
The above time limits are established when the buyer and seller have complete materials, excluding the time for supplementary materials.
This content is only applicable in Beijing