1, eligible to buy a house;

2./kloc-a natural person aged 0/8-60 with full capacity for civil conduct;

3. Have a stable occupation and income, have repayment ability, and have a good credit record;

4. The self-raised house payment (down payment) shall not be less than 30% of the house payment;

5. Other requirements stipulated by the bank.

(a) Information required by the buyer;

1, ID card (husband and wife), temporary residence permit (migrant population);

2. Household registration book (both husband and wife);

3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate);

4 proof of income or solvency (issued by the unit);

5. A copy of the business license stamped with the official seal of the employer (presented by the employer);

6. Certificate of academic qualifications (provided by junior college or above);

7. Current passbook of the applicant's loan bank;

8. Other materials required by the bank.

(2) Information required by the seller:

1, ID card (husband and wife), temporary residence permit (migrant population);

2. Household registration book (both husband and wife);

3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate);

4. Proof that the spouse and * * * agree to sell (fixed format);

5. Real estate license;

6. For the sale of purchased public houses, delivered houses in the center, affordable houses and relocated houses, the original purchase contract, agreement and relevant approval documents shall be provided;

7. Other materials required by the bank.

Process 1: on-site inspection

Participants: loan officers, intermediaries, appraisers, buyers and sellers.

Location: the location of the house applying for mortgage loan.

House site survey:

Whether the property right of the house sold is clear; Whether to establish other mortgage rights; Whether to rent it out; If it is a public housing reform housing, housing projects, affordable housing and other non-commercial housing is in line with the listing conditions; Whether it is included in the demolition notice or the scope of urban transformation planning; Whether the proportion and term of the loan applied for meet the requirements; Whether the information provided by the seller is true, complete, legal and effective. Make a comprehensive evaluation of the buyer's repayment ability and sign the Confirmation of Real Estate Transaction.

Process 2: Property Right Verification

Participants: property owners, owners (sellers) and intermediaries.

Venue: Housing Authority.

Property right verification process:

Property owners and * * * owners (sellers) bring their ID cards and original property ownership certificates to the Housing Authority for verification. Then, take a certificate of property right transfer verification and file inquiry and keep the invoice; Then show the "document retrieval fee invoice" to verify the document retrieval and wait for the query result; Here, I receive the real estate license stamped with the official seal of "xxx Real Estate Archives" and the original copy of the Commodity House Sales Contract of the house.

Process 3: Sign the contract

Participants: loan officers, intermediaries, buyers and sellers.

Location: loan bank.

Signature process:

Carefully check and verify the customer's original data, identify the authenticity of all signatories, supervise the customer's signature, collect the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copy the data, and remind both parties to go to the bank to handle the account.

Process 4: Fill in the contract

Fill in the contract according to the relevant information provided by the customer. The address of this city must be filled in the current address column of the Application Approval Form; If * * * is the same as the borrower, two people are required to sign the application form and a corresponding statement is required.

When filling in the Mortgage List of Individual House Purchase Contract, the original value is the transaction price of the buyer and the seller, and the discount rate = mortgage value (i.e. loan amount) ÷ original value or evaluation value (whichever is lower). Do not fill in the real estate license number and interest rate.

Process 5: Payment

Pay insurance premium, notary fee, mortgage fee and related taxes and fees.

Process 6: Transfer of Property Rights

Participants: intermediary, buyer, seller.

Venue: Housing Authority.

Information provided: ID cards of buyers and sellers, real estate licenses, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area exceeds 200 square meters, the transaction evaluation report is needed and the data is copied.

Property transfer process:

1. Get three real estate sales contracts, fill them out without signature, and the blank space above the contracts should be stamped with the company seal or the signature of the intermediary agency.

2. Get the declaration form and fill in a market transaction price (submit the original real estate license and identity certificate).

3. Pay the stamp duty, the original and photocopy of the ID card of the buyer and the seller, the original and photocopy of the real estate license, issue the payment bill and return the bill (the stamp duty is paid at the cost of 1‰).

4. Handling: the original and photocopy of the ID card of the buyer and the seller, the original and two drawings of the real estate license, face-to-face verification and signature by handprint, issue an acceptance certificate, and recover the original real estate license.

5. Vouchers, rental fee receipts, transaction fees, registration fees and payment.

6.5 working days later, with the license notice, the original ID card, deed tax invoice, get a new real estate license.

Process 7: Charging and Stamping

1. Get a new real estate license and fax the official report of the appraisal company for mortgage.

2. The printed power of attorney together with the loan contract and mortgage contract (filled out) shall be sent to the bank for seal.

Process 8: Data archiving

In principle: the transfer can be filed in the Housing Authority for about 7 days, and there is no exact time; At the time of filing, the property owner shall file with the Housing Authority with the original ID card; You can only apply for mortgage after filing.

Process 9: Mortgage Procedure

1. Other items in Article 16 of the mortgage contract shall be filled in: the loan is used to purchase a second-hand house, and the house is located in ... (specific location).

2. Item 4 of Article 1 of the loan contract: The loan right under this contract is only used for: purchasing ... (specific location).

3. The portfolio issued by the Housing Authority should be: second-hand housing mortgage.

4. Get other warrants after 7 days of mortgage.

Process 10: Bank loan

After the bank lends money, it needs to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency also needs to stamp the official seal on the second-hand house mortgage transfer confirmation.