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How do I need to buy a house loan? Is there a loan contract?

Questioner: @a.*** City: National Label: Loans Question Time: 2018-01-13 11:16
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  •             Enthusiastic net friend
    2018-01-14 17:17
            House loans have contracts, banks lend, and signing contracts is a prerequisite. First, the operation flow chart to provide advice -> accept applications -> pre-loan survey -> loan approval -> loan issuance -> loan recovery -> loan management Second, the process of each link to provide a brief description of the consultation, acceptance of applications, pre-loan investigation ( 1)Provide consulting operators to provide consulting services to clients. The consulting content includes: types, objects, conditions, quotas, deadlines, and interest rates of individual credit houses that have been opened.RepaymentEtc. (2) Accepting applications Borrowers areConstruction BankAfter consultation, fill in "China Construction Bank Zhejiang Branch" as requiredPersonal housing loan"Application" proposes a loan application and provides the following information: ID card, certificate of the mortgagee's husband and wife relationship (single body needs to provide a valid certificate, borrowerProof of incomeThe purchase contract, the first payment voucher, the guarantor agrees to the written proof of the guarantee and other relevant information requested by the Construction Bank. (3) After the pre-lending investigation handler accepts the loan application, it investigates the integrity, authenticity, validity and legality of the "application" submitted by the borrower and the information requested. Through pre-lending investigations, it was considered that the loan conditions were met and preparations were made for approval.
  •             Enthusiastic net friend
    2018-01-14 17:18
            houseloanIf there is a contract, the purchase contract for the purchase of a new house generally includes two types: the pre-sale contract for commercial housing and the contract for the sale and purchase of commercial housing (the existing house). The formats are all in quadruplicate format. Developers, home buyers, loan banks, and housing management agencies each hold one; purchase contracts for second-hand houses are signed by both buyers and sellers. When the transfer tax is due, it must be filled out by the Housing Authority. The unified format contract facilitates management. The purchase contract is based on the "Contract Law of the People's Republic of China", the "Law of the People's Republic of China on Urban Real Estate Management" and other relevant laws and regulations, buyers and real estate development companies, on the basis of equality, voluntariness, and consensus Commodity housing agreements reached.
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