Real estate agent purchase contract signing, review, mortgage process? How it is

The first is a paper contract.

This kind of contract is familiar to everyone, and it is often seen on weekdays. This is to put the terms of the contract on paper, and both parties must sign and seal it when it is signed.

Paper contracts are also the most traditional type of contract, and buyers must conduct detailed research on the terms of the contract before signing it. According to the house to be purchased, check the contents of the contract one by one.

And it must be noted that within 30 days after the contract takes effect, supervise the developer to register with the real estate bureau for the record.

The second is to sign a contract online.

This is a new form of contract, and it may seem a little unfamiliar. But in fact, we will also encounter it on the Internet on weekdays, for example, when staying on a certain platform, we will click to agree to the terms of the platform, which is actually signing a contract.

However, the purchased online contract is more formal, and the contract will have a watermark of "filed". And each contract has a unique contract number on the front page. This number starts with an e, followed by 10 digits.

The contract number can only be machine-typed, not handwritten. After the contract is signed, the developer only needs to enter the relevant information to complete the filing, which is very convenient.

1. On-site inspection; Loan officers, intermediaries, appraisers, buyers and sellers go to the site of the house where the mortgage loan is applied to conduct a site inspection.

2. Property rights verification; The property owner and the co-owner (seller) should bring the original ID card and the original real estate certificate to the housing authority to submit the original ID card and the original house book to the housing authority for verification and go through the relevant procedures.

3. Sign the contract; The bank carefully checks and verifies the original information of the customer, identifies the authenticity of all signatories, supervises the customer's signature, collects the original real estate certificate and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank.

5. Obligation to pay fees; After the bank collects the fee and passes the pre-examination, the customer will be notified to pay the fee;

6. Transfer of property rights; The buyer and seller handle the transfer of ownership with the help of the Housing Authority.

7. The lender prepares relevant materials to go through the mortgage procedures at the bank;

8. Bank loans.

The real estate contract now has a unified format text, under normal circumstances, the buyer provides personal information, the real estate developer will enter the information into the system, make a draft contract, and give the draft contract to the customer for confirmation, the customer in the case of confirming that the draft contract is correct, the real estate agent will submit the contract online for the record, print the formal contract, print 4 copies of the contract if you do a bank mortgage, print 5 copies of the contract if you do a provident fund loan, and print 3 copies of the contract for a one-time payment customer.

If a mortgage is required, after signing the purchase contract, the customer will have a copy of the purchase contract, a copy of the down payment invoice, a copy of the buyer's ID card, a copy of the household registration book, a marriage certificate for the husband and wife, a single certificate for the single, and a personal income certificate. Go to the bank and sign a loan contract with the bank's relationship manager, etc., and some banks need to open some additional services.

Are you buying a house? The contract is signed with the developer, the general contract is signed by the developer, and the mortgage only needs to go to the bank designated by the developer with the relevant materials, and the general materials include ID card, household registration book, and income certificate. Marriage Certificate.

Invoices for the purchase of houses, contracts for the purchase of houses, and sometimes certificates of the first home (issued by the housing management office), etc. Go to the bank in person and sign it. If you are a husband and wife, both of you have to go, and if you are single, you have to go by yourself, and sometimes you have to add a co-repayer, usually parents and the like.

It depends on whether there is a situation or not. Hope it helps.

The bank reviews the information provided by the lender, and after passing the examination, the bank, the developer and the lender sign the "Real Estate Mortgage (Mortgage) Contract" and the "Building Mortgage Loan Contract" (note, this contract needs to be notarized or witnessed by a lawyer, and the cost is borne by the buyer), and the three parties jointly go to the real estate management department for registration. Among them, buyers are required to submit the following materials:

A) the original contract for the sale and purchase of commercial housing witnessed by the real estate management department;

2) Submit legally valid identification documents (resident identity card, household registration booklet, military officer certificate, passport, family visit permit, return permit and other residence documents or other identity documents for foreign natural persons who have the right of abode in Chinese mainland);

3) Mortgage loan contract;

4) Mortgage application form and original mortgage contract.

If you entrust another person to register on your behalf, you need to submit the original power of attorney of a valid imitation macro group.

First, the process of buying a house with a loan - **Choice.

Before buying a house, you should choose a house based on your affordability. It is best to keep the monthly payment fee to no more than 40% of the total monthly income. Secondly, within the scope of your own affordability, understand the best (developer's strength, reputation, reputation, location, house type, surrounding facilities, etc.), see is believing, do not believe rumors and many advertisements.

2. The process of buying a house with a loan - submit the following information to the mortgage bank.

1) Submit legally valid identification documents (resident identity card, household registration booklet, military officer certificate, passport, family visit permit, return permit and other residence certificates or other identity documents for foreign natural persons who have the right of abode in Chinese mainland);

2) Proof of regular income or other proof of ability to repay;

3) The original contract for the sale and purchase of commercial housing witnessed by the real estate management department;

4) Other documents required by the lending bank;

If the borrower's spouse applies for a loan jointly with the borrower, the borrower's spouse should also fill in the relevant information of the spouse on the loan application form, and present the marriage certificate and household registration booklet, etc.;

3. The process of buying a house with a loan - disbursement of the loan.

After completing the relevant formalities, the loan shall be granted with the consent of the lending bank, and the lending bank shall, in accordance with the loan contract, transfer the loan directly to the deposit account opened by the borrower with the lending bank, or transfer the loan to the deposit account opened by the seller at the lending bank in one or two times.

Customers who choose to repay the loan by entrusted deduction (there are currently two repayment methods available: entrusted deduction and over-the-counter repayment) need to sign an entrusted deduction agreement with the bank and open a special account for repayment at the business outlets designated by the lending bank. At the same time, the seller should open a settlement account or a special deposit account at the lending bank.

Fourth, the process of buying a house with a loan - repay the loan on time.

The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

After the loan is settled, the borrower shall obtain the loan settlement certificate from the lending bank, retrieve the mortgage registration certificate of real estate ownership and the original insurance policy, and go to the original mortgage registration department to go through the mortgage registration cancellation procedures with the loan settlement certificate issued by the lending bank.

Legal Analysis:1Home Buyer Subscription; 2.

The buyer pays a deposit (with a receipt); 3.The developer signs the contract online, the two parties sign the contract, and the buyer pays the down payment; 4.The developer will make the down payment to the fund supervision account of the real estate bureau; 5.

Handle the relevant loan procedures.

Legal basis: The Civil Code of Mengqing of the People's Republic of China

Article 595:A sales contract is a contract in which the seller transfers ownership of the subject matter to the buyer and the buyer pays the price.

Article 596: The contents of a sales contract generally include the name, quantity, quality, price, number of the subject matter, the time limit for performance, the place and method of performance, the method of packaging, the standard and method of inspection, the method of settlement, the text used in the contract and its effect, etc.

Article 597:If the ownership of the subject matter cannot be transferred because the seller has not obtained the right of disposition, the buyer may terminate the contract and request the seller to bear the liability for breach of contract.

Where laws or administrative regulations prohibit or restrict the transfer of subject matter, follow those provisions.

The process of buying a house with a mortgage.

After signing the purchase contract and obtaining the loan payment documents, the bank shall sign the "Establishment Mortgage Loan Contract" with the developer and the bank in accordance with the relevant legal documents, and clearly define the mortgage amount, term, interest rate, payment method and other rights and obligations.

1. First sign a house sales contract with the developer, 2. According to the materials that the developer needs to provide: household registration certificate, ID card, marriage certificate, through his copied unit and the company issued a new chapter to prove the income (the developer signed the bank's income certificate format) to the developer;

3. After the notice of approval by the bank, the bank logo is completed.

The precautions for buying a house and going to the bank to sign a mortgage loan contract are:

1. Both the husband and wife of the buyer and the seller must be present, and the property rights of the house must be clear and free of disputes, otherwise the property rights must be solved first.

2. Both the buyer and the seller need to bring the original and copy of the basic documents, namely: the ID card, household registration book, marriage certificate of the buyer and the seller (if single, the original certificate of singleness), the buyer's income certificate, bank statement, no house certificate or first house certificate, down payment voucher (the down payment can be paid to the seller in the bank form of bank payment in the loan bank after signing the contract), the repayment card opened in the loan bank, the copy and original copy of the purchase contract and the real estate certificate (the copy is also provided for the mortgaged house), If there is a real estate agent involved, a tripartite agreement must also be provided, and the seller's collection card opened at the lending bank will be checked and photocopied by the bank loan officer.

3. The loan officer and the buyer and seller take a group photo respectively.

4. The buyer and seller sign the relevant bank form contract, various statements and IOUs, and all signatures are fingerprinted, and stamp duty is paid according to the loan amount.

5. After the bank interview, take the original documents and leave, and wait for the appraiser to come to evaluate and approve the loan.

Follow-up question: Hello, thank you for your advice, I know that the bank loan takes a while, but the developer said that we will sign the contract with the developer first, as well as pay the down payment, and prepare the materials, the bank may have to sign a blank paper contract first, because we are all in the field, the developer said that in order to save our time, it is generally signed like this I don't know if it can be done? Answer:

The quality and form of the contract are not important, as long as the content of the contract you sign is equal in rights and obligations of both parties and recognized by the bank. Follow-up question: Hello is the bank's contract is signed blank, and after the review, they are on the things we signed, I am also the first time to buy a house, I don't know if there are any loopholes in this, but I do see other people do this, but also consider that we are inconvenient to go back often in the field, and the house will not be delivered until the end of next year, I don't know if this is possible, there is a question I want to ask, the general bank works all day on Friday, right?

What time does it leave work in the afternoon? Bank of China. Thank you!

Because there is no big risk in this, I remember that when I bought the house, it seemed that I also signed a blank contract first, and then the bank went back to fill it out, and then gave it to me at that time. This kind of contract is called a blank contract, not a blank paper contract, hehe. In addition, the bank's working hours are the same from Monday to Friday, and there will be a reduction on Saturday and Sunday.

If you're short on time, you can prepare your money in advance. Follow-up: Okay, thank you very much.

The basic process of a mortgage loan is as follows:

On-site inspection: loan officers, intermediary agencies, appraisers, buyers and sellers go to the site of the house applying for a mortgage loan to inspect the house;

Verification of property rights; The property owner and the co-owner (seller) should bring the original ID card and the original real estate certificate to the housing authority to submit the original ID card and the original house book to the housing authority for verification and go through the relevant procedures.

Sign the contract: the bank carefully checks and verifies the original information of the customer, identifies the authenticity of all the signatories, supervises the customer's signature, collects the original real estate certificate and the deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

Payment obligation: After the bank collects the fee and passes the pre-approval, the customer will be notified to pay the fee;

Bank loans.

The process of buying and selling a home.

1) Start preparing to buy a house. To buy a house, you must first estimate your actual purchasing power according to your financial strength and repayment ability, and determine the location, area, floor, and orientation of the house according to the needs of work and life.

2) Pick**. This link is a continuation of the preparation, which can be queried from newspapers, television, the Internet or related real estate, and buyers need to combine the advantages of the three types of ** and comprehensively and carefully examine the ** information.

3) On-site viewing. Choosing a house is a highly technical task. Before choosing a house, you should have an understanding of the basic knowledge of floor area ratio, greening rate, common area, and house type.

4) Negotiate and sign the sales contract. Once the target is determined, the negotiation stage is entered into substantive contact with the seller. The negotiation and signing of the sales contract is the most important part of the process of buying a house, and the buyer and seller must put their rights and obligations into words, especially the key terms related to the size of the house, the payment method, the property condition and so on.

You need to pay attention to the amount of interest on the loan.