How to send text messages to developers for housing loans?

Down payment to developers or mortgage to the bank to buy a house? What procedures do you need to go through when handing over?

Down payment to the developer.

When paying the money, the buyer only needs to be present in person, hold an ID card, and determine the room number and down payment amount before paying. After paying the down payment, he should sign a house purchase contract with the developer at the first time, and then apply for a mortgage loan at the bank.

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.

Expand knowledge:

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

What should mortgage to buy a house property buyers pay attention 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. Proof of fixed economic income.

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

4. Other documents required by the lending bank.

(2) The bank shall examine the authenticity, reliability and legality of the information provided by the buyer. After passing the examination, the loan bank, the developer and the purchaser sign the Real Estate Mortgage (Pledge) Contract and the Building Mortgage Loan Contract (this contract shall be notarized or witnessed by a lawyer, and the expenses arising therefrom shall be borne by the purchaser).

Three parties * * * go to the real estate management department for mortgage (pledge) registration of house purchase loan. 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.

5. If you entrust others to register on your behalf, you need to 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 perform the following obligations:

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, handle the house transfer formalities within three months, obtain the land use certificate, the house ownership certificate and the house ownership certificate, and directly hand over the three certificates to the loan bank for safekeeping (at this time, the developer's guarantee responsibility is 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, and the insurance policy shall be jointly held by the lending bank and the beneficiary of the loan behavior 1.

4. Without the written consent of the lending bank, the buyer shall not lease, sell, dismantle, rebuild, remortgage or otherwise dispose of the mortgaged 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 cancel the mortgage registration with the original mortgage registration authority and recover the land use certificate, house ownership certificate and insurance policy.

After the house loan comes down, the whole process with the developer is completed, and the house loan and mortgage are developed after it comes down.

1. After paying the down payment, get the down payment voucher and the bank loan recommendation letter from the developer, find a commercial bank that has a mortgage agreement with the developer, discuss the mortgage of the house, and handle the relevant loan matters according to the requirements of the bank.

2. Just hand over the loan contract to the developer and go to the Housing Authority for pre-registration of housing property rights.

3. Cooperate with banks and developers to go to the Housing Authority to handle the mortgage procedures of housing property rights (banks get the house ownership certificate).

4. Wait for the developer to give you the house key, carry out the house decoration project and move into the new house.

5. Pay the deed tax paid by the house developer for you, and the developer will give you the house title certificate, land use certificate (each place is different, and some local real estate certificates are kept by the Housing Authority), residential quality guarantee, residential instruction manual and purchase invoice of the house.

Extended data

The house must have a quality certificate issued by the quality inspection station. According to the relevant regulations, before the house is delivered for use, it must be accepted by the district-level housing quality inspection station before residents can live. After checking this certificate, residents themselves should check the quality of their houses and solve the problems in time.

All completed projects are generally "five connections and one leveling", that is, gas, water, electric heating, sewage and roads. One leveling means that the site is 6 meters in front of the building and 3 meters behind the building. It is not allowed to pile up building materials or sundries to ensure the safety of entry and exit. Realize the gas meter, electric meter (unit meter) and water meter to the home. Indoor cleanliness, pool, basin, dung bucket, garbage chute, doors and windows, glass, pipes clean, no dirt, so that the window is bright and clean, floor drain, rain mouth and other places without blocking debris.

The domestic water supply system of high-rise residential buildings must have a water certificate issued by the health and epidemic prevention department. It should be noted that the water quality in Beijing is seriously exceeding the standard. In some residential areas, all domestic water is obtained by self-drilling. To be on the safe side, it is best to take some water samples back to such residential areas and send them to the relevant departments for inspection. If the water quality can't meet the domestic water standard, they should try to solve it as soon as possible.

Elevators in high-rise residential buildings must have a certificate of safe operation issued by the labor department.

The fire water supply system of high-rise residential buildings must be inspected by the fire department.

The house should be fully equipped, reliable in function and complete in procedures according to the requirements of drawings and documents.