Is the down payment mortgaged to the developer or bought by the bank? What procedures do I need to go through when paying the fee?

1. Should the down payment be given to the developer or mortgaged to the bank to buy a house? What's the procedure when handing over?

In mortgage to buy a house, the down payment is paid to the supervision account of the developer in the loan bank, which is supervised by the local housing authority. The bank will issue a receipt certificate and give it to the developer for invoicing. Generally, the down payment is given to the developer's finance department, which issues a receipt, and then the money is deposited in the bank. After the successful loan of the property buyers, the developers will issue a unified invoice for real estate sales.

Information required for mortgage loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

2. Is the down payment to the developer or the mortgage to the bank to buy a house? What procedures do you need to go through when handing over?

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When paying the money, the buyer only needs the room number and the down payment amount. After paying the down payment, he should find the developer to sign the purchase contract as soon as possible, and then apply for a mortgage loan in the bank.

Information required for mortgage loan: 1. The identity cards of the applicant and spouse do not belong to the same person.

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

Expanding knowledge: What is mortgage? Generally speaking, mortgage means that when buyers buy a house, they pay part of the purchase price in advance and borrow the rest from the bank.

according to

(1) When purchasing a house by mortgage, the buyer shall provide the following information to the bank (loan bank) that provides the mortgage:

1, legal and valid identification.

2. Solid

3. The original commercial housing sales contract witnessed by the real estate management department.

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(2) After the bank verifies the authenticity, reliability and qualification of the information provided by the buyer, the loan bank, the developer and the buyer sign the Real Estate Mortgage (Mortgage) Contract and the Building Mortgage Loan Contract (this contract shall be witnessed by a notary or lawyer, and the expenses arising therefrom shall be borne by the buyer).

Three parties * * * go to the real estate management department. Among them, the property buyer shall submit the following documents:

1. Original commercial housing sales contract witnessed by the real estate management department.

2. A copy of the identity certificate.

3. The housing mortgage loan contract that takes effect accordingly.

4. The mortgage application form and the original mortgage contract.

Submit a valid original power of attorney.

(3) According to the provisions of the Real Estate Mortgage (Pledge) Contract and the Building Mortgage Loan Contract, buyers must

1. Submit the real estate mortgage registration certificate together with the original contract to the loan bank for safekeeping.

2. After the delivery of the auction house, the house ownership certificate and the property right certificate shall be handled within three months, and the three certificates shall be directly handed over to the loan bank for safekeeping (at this time, the developer's guarantee responsibility shall be lifted).

3. Insure the mortgaged property at its own expense, the insurance period shall not be shorter than the mortgage period, and the insurance amount shall not be lower than the total value of the mortgaged property, which shall be held by the loan bank.

4. Without the written consent of the lending bank, the buyer shall not lease, sell, dismantle, rebuild, mortgage or otherwise dispose of the property.

5. Repay the principal and interest on time every month. If it is overdue, it will be fined according to the number of days.

6. After all the loan principal and interest, fines and expenses should be repaid, the lender and the lender should handle the land use certificate, house ownership certificate and insurance policy with the original mortgage registration authority.

3. Does anyone need a down payment from the bank to buy a house? Is it from the developer or the bank?

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4. What documents do I need to bring to pay the down payment?

Question 1: What are the procedures for paying the down payment for buying a house? If you buy a first-hand house, you must first issue a certificate of housing situation in the real estate trading center, then sign a purchase contract with the developer, and then sign a loan contract with the bank. General developers are designated banks to handle mortgages, and loan contracts can be signed directly in the developer's office. Materials required for the loan: original ID card, original household registration book, marriage certificate, income certificate and bank statement of both husband and wife, and both husband and wife are present in person. If you are single, you need to provide a single certificate. If you are a foreigner, you also need to provide your tax payment certificate or social security certificate for one year in this city.

If you want to buy a second-hand house, you need to sign a house purchase contract with Dong Fang, then go to the trading center to issue a house condition certificate and a house-free certificate, and then pay the house maintenance fund in the maintenance fund-list it in the house-check the tax-sign it online-go to the bank to handle the loan formalities-pay taxes-transfer ownership-and get the certificate after the bank has passed the examination. The required loan materials are the same as those of the first-hand house. The landlord needs to provide the real estate license, marriage certificate, household registration book and the original ID cards of both husband and wife, and both husband and wife are present in person.

Question 2: What documents do I need to bring to pay the down payment? If you are married, you can bring your ID card, household registration book and marriage certificate. Try to ask the seller to give a formal contract on the same day.

Question 3: What are the procedures for paying the down payment for buying a house? Marriage certificate, tax payment certificate, bank flow certificate, single single certificate. I just did it.

Question 4: What should I bring for the down payment? Urgent ID card, house purchase subscription card, and UnionPay card for payment, 5 copies each will be enough. There is also a copier on site. If there is any missing print, you can reprint it on site, so for the sake of safety, you should bring the original household registration book and marriage certificate for later use. If it is a provident fund loan, you should also prepare some cash, about 2000 yuan should be enough.

Question 5: What are the procedures for buying a down payment loan? As long as one of your husband and wife is local, there is no restriction that foreigners can't borrow money locally.

As long as you and your wife have no real estate, the down payment is only 30%. Need to go to the local real estate transaction management office to issue a certificate of no real estate.

Question 6: What documents, ID cards, household registration books and funds do you bring with you for the down payment?

Question 7: What urgent items do you need to take after paying the down payment for buying a house? They are down payment certificate, down payment invoice, purchase details, contract filing certificate (required when paying deed tax), loan contract, personal income certificate and list of materials required for loan, if necessary. The developer will provide a complete set of materials.

Question 8: What are the procedures for paying the down payment? After paying the down payment, the buyers are waiting to collect the house. When handing over the house, in addition to the key step of house inspection, some related expenses must be paid. Only by paying the fee can we have the right to use our own house. The following is a list of expenses that need to be paid when closing the house, which buyers can understand:

1. deed tax: deed tax is the tax paid by the owner to the state when he obtains the property certificate. Payment time: deed tax can only be paid at the time of transfer. Special note: Except for the tax authorities, no unit has the right to levy. Implementation: the owner does not need to pay deed tax to the developer when he moves in, but can go directly to the tax bureau to apply for the real estate license.

2. Public maintenance fund: this fund is different from the property management fee and is only used for the overhaul, renewal and transformation of residential parts and facilities after the warranty period expires. Tax rate: 2% of the transaction price of the house. Special note: No developer or property company has the right to collect or collect overhaul fund. This money should be given to the community office. If you give overhaul fund to the developer, you probably won't get it back.

3. Area mapping fee Area mapping fee: The principle of collection is "whoever entrusts pays". The purchase contract has stipulated the obligation of the developer to provide area measurement data to the purchaser, so the cost should be paid by the developer.

4. Property fee: one-year property management fee, property management fee and water and electricity deposit. Special note: it is not illegal for ordinary communities to pay property fees for less than one year. Property management service charges should be clearly marked, and the charging items and standards and charging methods should be announced in the business premises or charging places.

5. Charge the cleaning fee for the decoration garbage. Since the property management fee paid by the owner only covers domestic garbage, the property management company can charge the corresponding cleaning treatment fee for the construction garbage generated in the decoration. However, at present, there is no uniform standard for the collection of construction waste clearance fees in Guiyang. Some are levied by households, and some are levied by multiplying the actual area by the corresponding base.

6. Renovation deposit: within the agreed time after renovation, if the renovation has not caused structural damage to the house or affected the normal residence of others, the renovation deposit can be returned in full. If the buyer has no decoration plan in the short term, he can negotiate with the property management company to postpone the payment of the decoration deposit.

7. Some of the unit program-controlled doors and security doors involved in the new house are given to the buyers by the developers, while others need the buyers to bear the relevant expenses themselves. As for the specific collection of fees, property buyers can follow the relevant agreement in the annex of the Commercial Housing Sales Contract signed with the developer when purchasing a house.

8 water meters, electricity meters, gas and other "three fees" belong to the property management company to collect the project. The specific charging standard is stipulated in the commercial housing sales contract signed at the time of purchase. If the owner has any objection to the charge amount, he can consult the relevant departments in detail to determine the accurate charge amount.

Question 9: I'm going to buy a house and pay the down payment. What are the procedures for payment and what documents do you need to bring? Husband and wife ID card, household registration book, party constitution, large assets certificate, bank operation for half a year, education. The more complete things are, the easier it is for payment to be approved.

Question 10: what should I pay attention to when I pay the down payment in the later stage of buying a house? In fact, nothing can be exempted, wool is on sheep. I don't know anything about buying a house last year and investing in housing loans. When I got it, I realized that there were not many households. First of all, because of the preferential interest rates of various loans, the down payment is mostly 40% and 30%. Don't make mistakes because of the ignorance of the person in charge. According to the house payment, it can only be more than 40%, even a little more. I didn't get a 30% discount at that time, but a 7.5% discount. I'll regret it when I do it. There are also some formalities, such as single certificate or marriage certificate, income certificate and household registration book. In some places, it is easier to open documents, and in some places, it is only opened once. This needs to be asked in advance.