First, on-site inspection
When we look at the house, we should know whether the age of the house exceeds the specified service life, and also know whether the property rights of the house sold are clear and whether other mortgages are set; Whether to rent, if it is public housing reform housing, housing projects, affordable housing and so on.
Second, the verification of property rights.
Property owners and * * * owners (sellers) bring their ID cards and original property ownership certificates to the Housing Authority for verification.
Three. Sign and fill in the contract
Carefully check and verify the customer's original information, identify the authenticity of all signatories, and supervise the customer's signature; If the borrower's income certificate is insufficient, it is necessary to provide the borrower with income certificate and sign the corresponding contract.
Fourth, the transfer fee
Go to the Housing Authority to provide relevant information for signature, get a new real estate license with the license notice, the original ID card and the deed tax five working days later, and then print a copy and stamp it at the bank for charging.
Verb (abbreviation for verb) mortgage loan and bank loan
We will go through the mortgage formalities again. After handling, it is necessary to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank, and the intermediary agency needs to stamp the official seal on the second-hand housing mortgage transfer confirmation before the bank can lend normally.
The above is the introduction of the second-hand housing loan process in Hefei, hoping to help everyone!