Second-hand property owners have the means in the real estate market to buy and then sell the space, including second-hand housing, allowing the secondary market trading of public housing, affordable housing.
The secondary mortgage loan refers to the people to purchase real estate in the secondary market trading of real estate as collateral to banks for loans to cover the purchase, and then from people buying houses in phases servicing of loans to banks Business. To tie in with the housing secondary market development, good housing consumer credit, the bank branch in Beijing designated special quality homes and other real estate consulting firm six real estate agent, the agent lending business.
How smoothly and successfully obtained second-hand housing mortgage loans » Recently, experts in Guangzhou Lingzhi loans to consumers for second-hand consumer credit has developed the "eight steps" strategy:
Step 1: find a good incentive to buy housing, the housing property rights must be clear, with the Beijing municipal government provided the two can enter the real estate market liquidity conditions.
Step 2: Choose a designated banks for mortgage lending to the real-estate transaction agency and the agency completed property value assessment, property assessment fees to pay.
Step 3: buyers and sellers to provide the relevant information.
Purchase (borrowers) to provide the information are: residence booklet, identification cards, records show that marital status that both sides signed the purchase agreement, proof of income couples (in proof of income), and selective Including deposits proven, securities, other property that both spouses inch-sized photographs of the two.
Above prove that the more comprehensive information, bank lending in the assessment of the higher the score, the lender to the loan amount and timing of the more superior.
Shoufang are required to provide the information are: identity card, residence booklet, marital status that both spouses agreed to sell that, by the sale of housing ownership certificates and listing approval of proof.
Step 4: designated banks to law firms to fill in the secondary mortgage application form, from lawyers to prove that all information transmitted to the bank loan approval, to pay the value of the purchased 4 ‰ legal fees.
Step 5: Banks in 15 working days to complete the processing of loans, such as the lending agreement, the loan commitment to the book.
Step 6: The buyer and seller to the housing of the districts and counties of the premises of the real estate transaction management procedures for the transfer of property rights.
Step 7: get title deeds after the sale, sent to the banks, the banks allocated funds.
Step 8: the premises to register for housing mortgages, insurance and other formalities, the borrower monthly repayment interest payments, to settle the principal and interest of loans, mortgage registration cancellation, rescission.
The secondary mortgage loan refers to the people to purchase real estate in the secondary market trading of real estate as collateral to banks for loans to cover the purchase, and then from people buying houses in phases servicing of loans to banks Business. To tie in with the housing secondary market development, good housing consumer credit, the bank branch in Beijing designated special quality homes and other real estate consulting firm six real estate agent, the agent lending business.
How smoothly and successfully obtained second-hand housing mortgage loans » Recently, experts in Guangzhou Lingzhi loans to consumers for second-hand consumer credit has developed the "eight steps" strategy:
Step 1: find a good incentive to buy housing, the housing property rights must be clear, with the Beijing municipal government provided the two can enter the real estate market liquidity conditions.
Step 2: Choose a designated banks for mortgage lending to the real-estate transaction agency and the agency completed property value assessment, property assessment fees to pay.
Step 3: buyers and sellers to provide the relevant information.
Purchase (borrowers) to provide the information are: residence booklet, identification cards, records show that marital status that both sides signed the purchase agreement, proof of income couples (in proof of income), and selective Including deposits proven, securities, other property that both spouses inch-sized photographs of the two.
Above prove that the more comprehensive information, bank lending in the assessment of the higher the score, the lender to the loan amount and timing of the more superior.
Shoufang are required to provide the information are: identity card, residence booklet, marital status that both spouses agreed to sell that, by the sale of housing ownership certificates and listing approval of proof.
Step 4: designated banks to law firms to fill in the secondary mortgage application form, from lawyers to prove that all information transmitted to the bank loan approval, to pay the value of the purchased 4 ‰ legal fees.
Step 5: Banks in 15 working days to complete the processing of loans, such as the lending agreement, the loan commitment to the book.
Step 6: The buyer and seller to the housing of the districts and counties of the premises of the real estate transaction management procedures for the transfer of property rights.
Step 7: get title deeds after the sale, sent to the banks, the banks allocated funds.
Step 8: the premises to register for housing mortgages, insurance and other formalities, the borrower monthly repayment interest payments, to settle the principal and interest of loans, mortgage registration cancellation, rescission.
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