Extended data
Application conditions
1. Legal identity certificate of the borrower;
2, the borrower's economic income certificate or occupation certificate;
3. The account book of the borrower;
4. Borrowers with spouses need to provide proof of husband-wife relationship;
5. If * * * is the same as the borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the repayment responsibility;
6. Certificate of property right of the purchased second-hand house;
7. The house sales contract signed with the seller and the transfer account provided by the seller;
8. If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;
9. The property right of the purchased house * * * A written authorization document that someone agrees to sell the house;
10. Other documents or materials required by the lender.
Application material
Information provided by the buyer
1, ID card (husband and wife), temporary residence permit (migrant population).
2. Household registration book (both husband and wife).
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate).
4 proof of income or solvency (issued by the unit).
5. A copy of the business license stamped with the official seal of the employer (presented by the employer).
6. Proof of academic qualifications (provided by junior college or above).
7. Current passbook of the applicant's loan bank.
8. Other materials required by the bank.
Information to be provided by the seller:
1, ID card (husband and wife), temporary residence permit (migrant population).
2. Household registration book (both husband and wife).
3. Marriage certificate (marriage certificate, divorce certificate, widowed certificate and single certificate).
4. Proof that the spouse and * * someone agree to sell (fixed format).
5. House title certificate.
6. For the sale of purchased public houses, central houses, affordable houses and relocated houses, the original purchase contract, agreement and relevant approval documents shall be provided.
7. Other materials required by the bank.
Precautions:
1, clear property rights
Whether the owner on the property certificate is the same as the seller; Find out the nature of the house for sale; Whether the area confirmed by the property certificate is inconsistent with the actual area; Check the original title certificate and check the legality of this title certificate with the Municipal Housing Authority.
2. Building structure
Whether there is a private construction part; Whether there are platforms and corridors occupying the roof; Whether there is a small attic in the house; Whether the internal and external structure of the house has changed; For example, change the balcony into a bedroom or kitchen and divide a room into two; Whether the balcony is closed by the owner himself involves the problem of how to calculate the balcony area.
3. Living space
Observe whether the internal structure of the house is reasonable and whether there are any shortcomings that are particularly unsuitable for living; Whether there are too many pipelines and unreasonable wiring; Is there any sign of water seepage on the ceiling? Whether the wall has obvious problems such as bursting and peeling.
Step 4 support housing
Turn on the tap and observe the water quality and water pressure; Turn on the TV to see if the image is clear; Confirm the power supply capacity of the house; Observe whether indoor and outdoor wires are aging; Connection of telephone lines, whether ordinary telephone lines or ISDN telephone lines; Gas connection; Is there a hot water supply in the community or a water heater in the house itself?
References:
Baidu encyclopedia-second-hand house mortgage