What is a second-hand housing loan interview?

What should I sign in person for the second-hand housing mortgage loan?

Your aunt should fill in the application materials before the loan, as long as it is the application materials before the loan, you can not apply for a mortgage.

It is estimated that your aunt signed: the power of attorney to inquire about personal credit information, the commitment letter (authorizing the bank to transfer the mortgage payment of the valve house transaction to the account designated by the seller), and forgot her personal information. ...

Remember: we must wait until the bank's loan approval opinion comes down, otherwise there will be a lot of things!

Whether to go to the Land and Resources Bureau after completing the formalities in the bank depends on your local policy requirements. This year, the property owner must go to the Land and Resources Bureau to go through the formalities again. In fact, it means signing two names and pressing a handprint.

After the bank completes the mortgage, it will pay within three working days.

Sign carefully, but don't worry, the bank should not mess around. Signing documents above 10 is actually a process that banks must do.

What materials do I need to bring to handle the second-hand housing loan?

Preparation materials before bank face-to-face signing: ID card, household registration book (including household registration book home page or collective account home page, household registration book home page, borrower page and change page), marriage certificate (divorce certificate, divorce agreement or court judgment), temporary residence permit (expired or about to expire, which needs to be replaced), income certificate, bank account number, business license, education certificate and copy of passbook; Seller: ID card, household registration book (including the first page of household registration book or collective household registration book, this page of household registration, borrower page and change page), marriage certificate (divorce certificate, divorce agreement or court judgment, which must include a clear division of real estate, otherwise a notarial certificate of real estate division is required), copy of passbook, online signing contract, evaluation report and real estate book;

Note: Special materials include: (1) Seller's divorce: deed tax ticket, divorce agreement or court judgment; (2) Improved housing: pre-sale contract of commercial housing, online signing contract, loan contract and title certificate (maximum 5 persons); (3) Widowhood of the seller: the death certificate must be accompanied by relevant certificates with clear property ownership, such as inheritance or notarization of wills; (4) Purchase of housing with standard price and preferential price: proof of giving up the preemptive right (issued by the competent unit). (5) Foreigners are required to provide local tax payment certificate or social insurance payment certificate 1 year or more.

What does it mean to buy a second-hand house for a bank interview?

The payment is signed and the transaction is completed at one go.

Second-hand housing, what does the loan face-to-face sign mean! Popular view

Face-to-face signing refers to the expenses required for the borrower (together with the repayment or guarantor) to carry the legal and effective original documents, sign them and borrow money; Go to the loan bank to pay the loan fee and go through the interview and signing procedures.

If you want to know, pretend that the buyer will go to the intermediary to experience the whole process, and finally say no.

What does the second-hand housing agent say about face-to-face signing? 10 point

Face-to-face signing is to go to the bank or the bank staff to the place where the intermediary is located and sign the bank loan contract and other documents related to the bank loan in front of the bank staff, so that the bank can check the authenticity of the lender's identity.

When to pay the house and when to take the key is an agreement between you and the original owner and intermediary, and has nothing to do with the bank.

Which should I do first, the second-hand house transaction transfer or the bank interview?

The order of buying a second-hand house by loan is first loan, then transfer.

In the process of handling, a capital supervisor will ask the buyer to deposit the down payment in this supervisor first to ensure the authenticity of the down payment. Then, after the loan is approved, he will go through the transfer formalities. After the transfer formalities are completed, he will apply for the certificate of other rights of the house. After the certificate of other rights comes down, the bank will receive the certificate of other rights, and then the bank will issue the loan applied by the buyer to the seller together with the down payment previously supervised. Then I paid off the loan.

3. When handling the second-hand housing loan, if the bank needs pre-approval, the transfer is allowed only after the approval is passed.

The specific transfer procedures for buying and selling second-hand houses and handling mortgage loans are as follows:

1, 1, submit materials and apply.

The buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form of personal loan for second-hand housing, and submit all materials to the staff for review after filling in.

The staff will make a preliminary evaluation of the materials and give an approximate loan amount and years. Finally, the three parties agreed on the time, and the bank contacted the designated real estate appraisal agency for house inspection and evaluation. 2-7 evaluations in 2 days

According to the agreed time, the real estate appraisal agency went to the housing management office for appraisal. Upon completion, the appraisal agency will issue an appraisal report to the bank. The time-consuming of this stage will depend on the agreed situation, and it can generally be completed within 3-5 working days. Require the counterparty to pay the 500 yuan assessment fee.

3 Day 8 Bank Approval-10

Banks examine the qualifications of loan applicants. After meeting the requirements, the bank will examine and approve the loan amount and term according to the housing appraisal price and the qualification of the comprehensive lender. The approval process usually takes about 5 working days, but the Zhongguancun Sub-branch of Minsheng Bank and the loan approval department work in the same office building, so the approval speed is fast, and the approval time for each business can be completed in 1-2 days.

4. Pay the down payment, and handle the transfer on 1 1-33.

After the approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of housing property rights with the down payment certificate, mortgage application review commitment letter issued by the bank and other materials. It can be completed on the day of transfer, and the buyer can get the real estate license after waiting for about 20 working days.

34-35 days for mortgage registration and insurance procedures, bank loans.

After the property buyers receive the real estate license, they will apply for mortgage registration and insurance, and the insurance premium will be about 2,000 yuan. Then, after the loan is issued, the bank deposits the house payment into the seller's account, and the buyer starts to repay the current period on schedule according to the contract.

What does it mean to buy a second-hand house for a bank interview?

Going to the bank before buying a second-hand house means that the buyer and his wife bring their ID cards, household registration book, marriage certificate, income certificate, evaluation report and down payment transfer receipt, and the seller brings their ID cards, household registration book, marriage certificate, real estate, land use certificate or real estate license to the bank personal loan center to apply for a second-hand house loan, and sign in front of the bank mortgage manager.

I want to apply for a second-hand house loan. What should I sign on the day of face-to-face signing with the bank?

I got loans from Shanghai and China Construction Bank.

If you get married, you should bring your ID card, household registration book, diploma, bank account number (bank card) and marriage certificate. These originals need to be photographed by the bank.

Face-to-face signing is a three-point contract, and conversation record is nothing more than some terms. You can read it yourself, but you have to sign it 20-30 times. I started reading it when I signed it. Later, they showed me where to sign, but they didn't even bother to look. If you are not at ease, you can read them carefully one by one before signing them.

Then pay attention to the terms page when signing. If there is other paper covering or blocking the signature, be sure to take it away and see it clearly. See if it's on the same piece of paper.

Then dress up handsomely and take photos with family and loan officers after the interview, hehe.

What should banks pay attention to when signing second-hand housing loans face to face?

Read the terms of the contract carefully, don't sign it first if there are any problems, and then sign it after making sure there are no problems.

Is the second-hand house sales interview a loan application or a loan contract? 5 points

Face-to-face signing refers to signing a loan contract after submitting an application.

The average seller can get a loan once. (Some banks don't have to go once)

Whether the loan is approved or not can be inquired online, and the time and place are stipulated according to the progress of loan processing.

After the face-to-face signing, the down payment will be paid after the approval. After paying the down payment, you can take the voucher to the Housing Authority for transfer.

Note: the down payment is not for the seller, but for the bank.