Summary process:
You sign the contract with the seller-pay the deposit-both parties transfer to the real estate center-get the certificate (pay the deed tax) three days later-both parties go to the bank to go through the relevant formalities (notarization fee and information fee)-bank evaluation (evaluation fee)-sign the contract with the bank according to the evaluation price-go through the mortgage registration-get the certificate from the bank-lend money.
The fees vary from place to place, unlike banks. You can compare it more. It is recommended to find a big bank with good service and fast lending!
Second-hand housing mortgage process
1. On-site buyers: loan officers, intermediaries, appraisers, buyers and sellers.
Location: the location of the house applying for mortgage loan. Field survey of houses: whether the property rights of the houses sold are 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; Record the customer's contact telephone number; Collect a copy of real estate license.
According to ICBC regulations, second-hand housing mortgage loans are allowed for properties built after 1993; The age of the house purchased is generally not more than 15 years, in which the loan ratio must be reduced accordingly, and the mortgage rate is up to 70%. The longest period is 30 years; The sum of the house age and the loan period shall not exceed 30 years at the longest, and the loan period of commercial housing shall not exceed 10 years at the longest; If the building area is less than 60 square meters, a second residence certificate is required. Make a comprehensive evaluation of the buyer's repayment ability, and inform the customer of the materials (ID card, household registration book, marriage certificate, real estate certificate, land certificate and deed tax certificate) that need to be prepared. ) Submit two blank income certificates to the customer for seal, and sign the Confirmation of Real Estate Transaction.
2. Verifiers of property rights: property owners, owners (sellers) and intermediaries. Venue: Housing Authority. The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority, Building 65438/Room Kloc-0/3 for verification. Then, go to window 16 or 17 and submit it to 50 yuan, get a certificate of property right transfer verification and file inquiry, and keep the invoice; Then go to 1 1 building to show the "invoice for file search fee" to verify the file search and wait for the query result; Here, I receive the property ownership certificate stamped with the official seal of "Shenzhen Real Estate Archives" and the original copy of the Commodity House Sales Contract of the house.
Three. Signatories: loan officer, intermediary, buyer and seller. Location: loan bank. 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.
Fourth, sort out the information and fill in the contract according to the relevant information provided by the customer. Note: If the borrower's income certificate is insufficient, it is necessary to provide the borrower * * * and issue the income certificate. The unit name on the income certificate must be the same as that on the application form. 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. Supplementary clauses of the loan contract: If the relevant statements and materials provided by the borrower are false, it will be regarded as a breach of contract, and the lender has the right to take measures such as announcing the early expiration of the contract, recovering part or all of the loan principal and interest, and investigating its liability for breach of contract. In case of loan interest rate adjustment, the default interest rate of overdue loans will rise by 30% according to the adjusted actual loan interest rate. Company seal: affix the company seal and the legal person seal to the house transaction confirmation and agreement. Personal second-hand housing loan down payment certificate? It needs to be stamped with the company seal and signed by the witness. What do you need after the loan? Second-hand housing mortgage transfer confirmation? Stamp with official seal. Fill in the information and send it to the pre-trial.
Five, after the pre-trial fee, notify the customer to pay.
6. Transferee of property rights: intermediary, buyer and seller. Venue: Housing Authority 1 Building (or 3rd Floor, Zhongqing Building, Jinshui District and Huiji District). 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, it is necessary to provide a transaction evaluation report and copy the information. (Copies must be copied on the 3rd floor of Zhongqing Building). Go to the third floor 1 ~ 4 window to get three real estate sales contracts. Don't sign them when filling them out. The blank space above the contracts should be stamped with the company seal (or signature) of the intermediary agency. ② Go to the window 1 to get the declaration form and fill in a copy of the market transaction price (hand in the original property ownership certificate and the original identity certificate). (3) Pay the stamp duty at Window 5, 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 bill for Building 1 at CITIC Bank, and return the bill to Window 5 (the stamp duty is paid at the cost of 1‰). (4) Handling in Windows 2 ~ 4: 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, signature by handprint, issuance of acceptance certificate and recovery of the original real estate license. ⑤. Vouchers should go to Window No.8, get the receipts of rental fee, transaction fee and registration fee, pay at Window No.2 of China CITIC Bank 1 Floor 1 ~ 2, return to Window No.8/1and stamp it, then change the invoice at Window No.8 .. 6. Five working days later, go to Window No.9, with the receipt notice.
Seven, charge stamp ①, get a new real estate license, fax the official report of the evaluation company to 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.
8. In principle, the materials belonging to Jinshui District and Huiji District will be handed over to Zhongqing Building, and it will take 15 days to file. (once every two months). If you transfer in the Housing Authority, you can file it in about 7 days, and there is no exact time; At the time of filing, the property owner holds the original ID card to the Housing Authority 1 Building 13 window for filing; You can only apply for mortgage after filing.
Nine. Apply for a mortgage. Article 16 Other items to be filled in the mortgage contract: 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) After 7 days of mortgage, he will get other warrants. Ten, after the bank loans, it is required to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency should also provide loans to the bank. Second-hand housing mortgage transfer confirmation? Stamp with official seal.
Second-hand housing mortgage loan fee standard loan fee
☆ Insurance premium: appraised value × loan period ×55‰ Description: it can be cancelled as required;
☆ Notarization fee: loan amount ×2‰ Description: It can be cancelled as required;
☆ Mortgage cost: loan amount × 1‰
☆ Stamp duty on mortgage: loan amount ×0. 1‰
★ Warrant information fee: 150 yuan/example. Note: 220 yuan/box has the information fee for the ownership certificate with the area exceeding 150 square meter or the basement.
★ Mortgage appraisal fee: appraisal value ×2.5‰
★ Loan service fee: appraised value × 0.5%+500 yuan/case description: minimum 800+500 yuan/case.
List of related expenses of real estate bureau (reference)
☆ Verification fee: 50 yuan/case.
☆ Registration fee: 80 yuan/case.
☆ Drawing fee: 20 yuan/case.
☆ Transaction evaluation fee: evaluation value ×5‰ Description: villas and houses with an area of more than 200m2 need to be paid;
☆ Transaction cost: area ×6 yuan/m2 Description: Second-hand housing transaction; Housing reform costs halved; Market guidance price × 1% Description: non-residential;
☆ Transaction stamp duty: the transaction price of both parties × 1‰ Description: According to the contract price, the buyer and the seller pay 50% respectively;
☆ Deed tax: market guidance price × 2% Description: residential category; Market guidance price × 4% Description: If the house cost is less than 5 years and144m2 or more, the unit will be sold to the unit; Description of transaction evaluation price × 4%: non-residential, but the area is greater than 200m2;
☆ Business tax: market guidance price × 5.5% Description: the housing time is within 5 years; (Market-guided price-original purchase price) × 5.5% Description: The house cost exceeds (inclusive) 5 years, but exceeds144m2.