New house purchase process in Shenzhen
The following procedures are limited to Shenzhen, please don't refer to them unless they are in Shenzhen: Step 1, both parties reach a sales agreement and sign a contract. Note: notarization is required for foreign affairs, but not for foreign affairs. The contents of the contract include housing area, location, land grant time and other factors, which should be consistent with the contents registered in the property ownership certificate. The price of this transaction, the buyer's payment method and time limit must be stipulated in the contract. This contract is made in triplicate. In the second step, both parties register with the trading center (generally located near the Bureau of Land and Resources) with the sales contract, and replace the contract signed in the first step with a formal contract (provided by the trading center). The third step is to go through the loan procedures. Two things to do: find an evaluation company to evaluate the house price; The buyer shall provide proof of income and guarantor. Step four, go to the bank (China Merchants Bank is the best, anything else will do). Apply for a loan with the sales contract, appraisal materials, income certificate and guarantor information. Step 5: The buyers and sellers themselves (not necessarily two people, but as many people as there are on the old and new real estate licenses) can go to the local (county) Land and Resources Bureau to handle the transfer with their ID cards, real estate licenses, one original and one copy, and the sales contract. The efficiency of land and resources bureaus in different districts is different, and the issuing time is also different. Baoan district is the fastest, and it can be sent in a week. Futian district needs 14 working days. Other places need 22 working days.
Shenzhen new house purchase process and matters needing attention?
Hello, the process of buying a new house has the following five steps:
1. When choosing a house, you can evaluate the quality of the community through field visits.
2. After confirming the housing, sign the confirmation letter of purchase.
3. Sign the contract formally, and pay attention to the area of the house, the loan problem and the liability for breach of contract during the signing process.
4. Go through the loan procedures.
5. hand over the house.
Matters needing attention in signing a new house are as follows:
1. In the process of buying a house, it is necessary to observe whether the property has the pre-sale qualification. If there is no pre-sale certificate, it is an internal subscription. At the same time, we should pay attention to whether the pre-sale certificate has expired.
When signing a contract, we should also pay attention to the content of the contract. Sometimes there are some blank clauses in the contract. Be sure to ask what to fill in before signing, so as to avoid the developer filling in some unfavorable terms.
3. There are many cases where developers delay the delivery of houses, and it is necessary to agree on the specific delivery time and delivery conditions of the houses.
I hope I can help you.
What are the loan procedures for buying a new house?
The loan process for purchasing a new house is as follows:
1, sign a house sales contract with the developer first;
2. Information provided according to the requirements of the developer: copies of household registration certificate, ID card and marriage certificate issued by the employer, and income certificate stamped with the company's fresh seal (bank income certificate format signed by the developer) shall be submitted to the developer for handling;
3. After the approval of the bank, notify the bank to sign relevant contracts.
The materials to be provided are:
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.
The loan conditions are:
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. When the loan expires, the man is not over 60 years old and the woman is not over 55 years old;
3. Have a stable and legal occupation and income source, and have the ability to repay the principal and interest.
Shenzhen housing loan process? What are the housing loan conditions in Shenzhen?
1 day, submit materials and apply. The buyer and the seller went to the bank with all relevant information. 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, give the approximate loan amount and term, and the three parties will agree on the time. The bank will contact the designated real estate appraisal agency for house inspection and evaluation. Day 2-7 Appraisal According to the agreed time, the real estate appraisal agency will go 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. {If this normal step can be omitted, no assessment fee is needed} On 8th-10, the bank approved the qualification of the loan applicant. After the loan is qualified, the bank will verify 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. 1 1-33 days to pay the down payment. After the transfer is passed, the buyer will pay 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. After the bank loan buyer gets the real estate license, he 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.
Shenzhen housing transaction process
Housing process refers to the purchase process of a house, which generally includes eight steps: the buyer consults, signs a contract, handles the transfer, makes a deed, pays taxes and fees, handles the transfer of property rights, obtains a bank loan, and pays the balance to complete the transaction. 65438+ 2. Sign the house sales contract: the seller provides the legal certificate of the house, and the buyer can pay the house purchase deposit (paying the house purchase deposit is not a necessary procedure for the sale of commercial housing), and the buyer and the seller sign the house sales contract (or house sales contract). After the buyer and the seller reach an agreement on the location, property right, transaction price, delivery time, delivery method and property right disposal of the house through consultation, both parties shall sign at least three house sales contracts. 3. Both parties go to the loan bank to handle the loan formalities: after the bank approves the credit of the loan applicant, it will notify both parties to complete the property right change. After the property buyer gets the property right certificate, he must apply for another right certificate accompanied by the bank. After the certificate of other rights is issued, the bank will issue a one-time loan to the homeowner. 4. Both parties * * * go through the transfer formalities in the property rights trading center: after the contract is signed, both parties * * * apply to the real estate trading center for review. For houses that meet the listing requirements, the relevant departments will allow the transfer procedures, and those that have no property rights or some property rights without the written consent of other property owners will not be handled, and listing transactions are prohibited. 5. Pay relevant taxes and fees: The composition of taxes and fees is complicated, depending on the nature of the transaction house. For example, the tax composition of commercial housing such as housing reform, rebuilding and demolition, and affordable housing is different. 6. Both parties * * * go to the Property Rights Exchange Center to handle the formalities of property rights transfer and transfer; After the real estate transaction management department completes the registration of property right change, both parties will hand over the transaction data to the issuing department, and the buyer will apply to the issuing department for a new property right certificate with the notice of obtaining the property right certificate. 7. Bank loan balance is completed: after the seller delivers the house and settles all the property fees, the house sales contract between the two parties is fully fulfilled. Article 119 of the Civil Code A contract established according to law is legally binding on the parties.