1. On-the-spot house inspection

Lenders, intermediaries, appraisers, buyers and sellers. Location: the house site where the mortgage loan is applied. On-site 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 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 loan percentage and term applied for meet the requirements; Whether the information provided by the seller is true, complete, legal and effective; Record the contact telephone number of the second-hand house

customer; Collect a copy of the real estate license. ICBC stipulates that real estate built after 1993 is allowed to apply for second-hand housing mortgage; The age of the house purchased is generally not more than 15 years, of which 1 to 15 years, the loan percentage must be reduced accordingly, and the mortgage rate is up to 7%; The longest period is 3 years; The sum of the housing age and the loan period shall not exceed 3 years at the longest, and the loan period for commercial housing shall not exceed 1 years at the longest; If the building area is less than 6 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 that need to be prepared (ID card, household registration book, marriage certificate of the buyer and the seller's real estate license, land certificate and deed tax certificate). ) Submit two blank income certificates to the customer for seal and sign the "Confirmation of Real Estate Transaction".

II. Verification of property rights

Property owners and * * * owners (sellers) and intermediaries. Venue: Housing Authority. The property owner and the * * * owner (seller) bring the original ID card and real estate license to the Housing Authority for verification. Then, get a certificate of property right transfer verification and file search, and keep the invoice; Then show the "invoice for file search fee" to verify the file search and wait for the query result; Get the real estate license stamped with the official seal of "xxx Real Estate Archives" and a copy of the original "Commodity House Sales Contract" of the house here.

III. Signing the Contract

Lenders, intermediaries, buyers and sellers. Location: loan bank. Carefully check and verify the original customer information, 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 information, and remind both parties to handle accounts in the bank.

iv. Fill in the contract

Collate the information and fill in the contract according to the relevant information provided by the customer. When the borrower's income certificate is insufficient, it is necessary to provide the borrower with 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 for Approval Form"; If * * * is the same as the borrower, two people need 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 house property certificate number and interest rate. Supplementary terms 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 principal and interest of the loan, and investigating its liability for breach of contract. In case of loan interest rate adjustment, the default interest rate of overdue loans will be increased by 3% according to the adjusted actual loan interest rate. Company seal: affix the company seal and legal person seal on 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. Need to be in after lending? Confirmation of second-hand housing mortgage transfer? Stamp the official seal. Fill in the information and send it to the pre-trial.

v. obligation of payment

after the pre-examination of the fee collection is passed, the customer will be notified to pay the fee.

VI. Transfer of property rights

Intermediaries, buyers and sellers. Venue: Housing Authority. Information provided: ID cards of the buyer and seller, real estate license, deed tax certificate, and commercial housing sales contract issued by the Housing Authority. If the area exceeds 2 square meters, a transaction evaluation report is required and the information is copied. (1), get three real estate sales contracts, fill in without signature, and the blank space above the contract needs to be stamped with the company seal (or signature) of the intermediary institution. (2) Fill in a market transaction price after receiving the declaration form (submit the original property ownership certificate and original identity). (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 a bill to pay the fee, 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, an acceptance certificate is issued, and the original real estate license is recovered. 5. Vouchers, receipts for lease fees, transaction fees and registration fees, and payment. ⑥. After 5 working days, get a new real estate license with the license notice, original ID card and deed tax invoice.

VII. Charging and Stamping

①. Get the new real estate license and fax the official report from 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.

VIII. Data archiving

In principle, data archiving is: if the transfer is made in the Housing Authority, it can be archived in about 7 days, and there is no exact time; When filing, the property owner should bring the original ID card to file at Window 13 on the first floor of the Housing Authority; Only after filing can the mortgage be handled.

IX. Mortgage formalities

Handling mortgage ①. Other items in Article 16 of the mortgage contract should 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 the property of ... (specific location). (3) The portfolio issued by the Housing Authority should read: Second-hand Housing Mortgage. (4) After 7 days of mortgage, he will get other warrants.

X. Bank Lending

After the bank lends money, 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 shall also provide the loan to the bank at? Confirmation of second-hand housing mortgage transfer? Stamp the official seal.