Joining the circuit that buys house loan with the sister also is with development business signed the contract that buy a house, next pay of the house head pay, fill in to the bank application form of individual building loan, the material that appoints according to bank clerk prepares, material is referred account is opened after ending, silver-colored finally guild pays loan. And no matter be a few people are mixed jointly,buy a house, there is only on loan advocate borrow a person.
Close with the sister how to buy a house to borrow money?
The loan of every house can have only advocate borrow a person, the bank also can is aimed at only advocate the economy that shifts person and its family and credit circumstance undertake examine and verify. Although advocate borrow a person to have only, but the house of guaranty is a sister however of two people, that is about oneself had handled this concerned creditor's rights to concern between the sister. Still have, though loan is one advocate borrow a person, but bank loan procedures when, person of all property right is to should show up sign approbate.
The person that buy a house is being dealt with when mortgaging loan to buy a house, deal with according to following measure commonly mortgage loan procedures:
1, with development business autograph orders room contract.
Right now need notices to examine development business to whether have " 5 card " : " state-owned land uses card " , " construction uses ground program permit " , " licence of construction project program " , " permit of construction project construction " , " commodity house is sold (open to booking) licence " .
2, capture pays first pay, the attention is saved head pay receipt.
3, fill in to the bank " application form of individual building loan " .
Development business is met commonly sign cooperative agreement with the home or a few one banks, because this arrives to with development business consultative bank is dealt with,mortgage loan agreement, such formalities will be some more convenient. Take Qi Shoufu paragraph receipt, " contract of commodity house business " , Id, this city booklet of registered residence (be not this city registered permanent residence offers temporary residence permit of a year of above bright) , original and the photocopy such as income proof fill in to the bank " application form of individual building loan " .
4, the bank is examined mortgage loan application.
The data that the credit personnel of the bank submits to the applicant undertakes class is examined and approve examine and be chasinged, if think to accord with the loan requirement of the bank, can inform the applicant is signed " individual building mortgages loan contract " , contract deadline does not exceed 30 years.
5, to the room tubal bureau is dealt with " building him a right card " , in order to proves to there is the hypothec of the bank on this house property. Deal with notarization of property right guaranty to notarial branch. Deal with building insurance to insurance company.
Above formalities bank can do sth for sb commonly.
6, open account.
Choose entrust the client that deducts money way reimbursement to need to be signed with the bank entrust the agreement that deduct a money, the business site that appoints all right in loan opens account of account of bankbook of reimbursement appropriative deposit or deposit card, credit card. In the meantime, person of carry out room is borrowing money to open account of settle accounts of carry out room or deposit all right only door.
7, raise with loan.
Agree with extending loan all right via loan, after doing appropriate to concern formalities, loan agrees according to loan contract all right, inside the deposit account that turns loan into borrower to be opened all right in loan directly, or will borrow money or assign deposit account that delimits person of carry out room is borrowing money to be opened all right inside.
8, by restrict reimbursement.
Means of the reimbursement plan that borrower must agree by loan contract, reimbursement repays loan principal and interest, otherwise the bank can call in lawfully building.
9, repay ending loan.
After settle of loan principal and interest, cancel guaranty to register, the person that buy a house becomes the true holder of the building.
Actually, apply for the whole technological process that the room borrows to the bank, following is a few people buy a house jointly not any of the relation. That is to say, although this property right person that covers a house is a sister,two people share, but, advocate borrowing a person is need sister two him people negotiate those who go deciding, if say the name of the entrepreneur of bank obligate is an elder sister, the debt that that bank basically meets pair of elder sisters namely repays the economic atmosphere of ability and its family undertakes examine and verify, do not have method sister two people apply for loan together.
