购买新房、程序以及贷款流程（The purchase of new premises, procedures and loan process）

购买新房、程序以及贷款（The purchase of new premises, procedures and loan process） 购买新房、程序以及贷款流程(The purchase of new premises, procedures and loan process) A new house First, the selected project, go to the sales offices to pay the deposit, and signed subscription book and signed a formal contract to determine the time. (during which special attention should be paid to the developers to provide a detailed view of the "five card", "two books" and related documents). ??? the "five card" refers to the "state land use permits", "construction land planning permit", "construction planning permit", "building construction permit" (construction work permits), "commercial housing sales (pre-sale permit"). "Two books" refers to the "residential quality guarantee" and "residential use of brochures. ???? 1, "state-owned land use certificate": that land users (or individuals) legal evidence of the use of state-owned land shall be protected by law. ???? 2, "construction land planning permit" is the construction units in the land management departments for land requisition and transfer by the legal documents before the competent department of city planning administration to confirm the location and scope of construction projects to meet the requirements of city planning, the construction unit with the legal document. No such permit is illegal land use, while the behavior of the real estate business is also illegal, not a real estate ownership documents. Issued purpose: to ensure that land use meet the requirements of city planning, construction and maintenance units in accordance with the city planning and land use of the legitimate rights and interests. Legal consequences: in accordance with the relevant provisions of the real estate business even obtained by approval documents of land for construction, but without the "construction land planning permit" and the occupation of land, the construction land approval documents invalid. ???? 3, "construction planning permits" that is consistent with the construction of a legal certificate of city planning requirements, is a legal certificate of the construction unit of the construction project, is a legal basis for the supervision and inspection of the acceptance of construction activities. Without this certificate of the construction unit, the construction is illegal construction, not a real estate ownership documents. ???? 4, "building construction permit": construction work permits) is the construction units in accordance with various construction conditions, allowing the start of the approval document, is the construction unit to carry out legal proof construction, is also one of the main bases of housing ownership registration. No construction permit construction projects are illegal construction, without legal protection. When various construction conditions complete, the construction unit shall, at or above the county level people's government administrative departments of construction permits for the construction project in accordance with the procedures to plan approved projects of construction licenses. Without obtaining the construction permit shall not be allowed to start. The Beijing Municipal Construction Committee was established in Beijing city construction engineering transaction management center in 1996, responsible for the examination and approval of construction work. ??? 5, the "commercial housing sales (pre-sale) license": approval documents issued by the people's Government of the city or county real estate administrative departments to allow real sales of commercial real estate development enterprises. The competent authorities of Beijing Guotufangguan Board certificate from the city Guotufangguan Board printed, and registration certificate issued for approval. Real estate developers in the sale of commercial housing, such as the houses have been built, also holds a certificate of housing ownership. Property buyers need to investigate the quality of housing construction, engineering acceptance certificate can also check the real estate business ". ???? "Is the most important card in the" state-owned land use certificate "and" commercial housing sales (pre-sale permit "), Both show that the purchase of housing is a legitimate transaction category. ???? The "residential quality guarantee" and "residential use of brochures two book can serve as a supplement to the sale of commercial housing contract, and real estate development enterprises in the use of commercial housing delivery, to assume responsibility for the quality of commercial housing to provide legal documents to the buyers and guarantee documents. ???? 1, the "residential quality guarantee": real estate development enterprises in the use of commercial housing delivery, to provide the purchase of housing quality assurance documents. ???? 2, "residential use of brochures: real estate development enterprises in the use of commercial housing delivery, the use of housing to provide buyers. Two, in accordance with the agreed time with the developers signed a formal purchase contract, pay the purchase amount according to the contract payment. Three, within the prescribed period, by the developers to assist the local real estate transaction management for pre-sale contract registration formalities, and pay the stamp tax according to the provisions. Four, the contract registration, the need for housing loans, can proceed to apply for mortgage procedures. When you apply for personal housing mortgage loans to the bank, should complete the "individual housing loans ## bank application form", and submit the following documents to the bank: ??? 1, the borrower legitimate identification documents (identity cards, account of this, ID card or other officer); ??? 2, bank loans approved income or proof of solvency (such as borrower income certificates, tax certificate or proof of occupation etc.); ??? 3, spouse of the borrower is required to provide proof of the marital relationship; ??? 4, the common borrower, the borrower must provide the parties signed a written commitment to joint responsibility for repayment of the clear; ?? 5, mortgage or pledge list, proof of ownership and disposition agreed that mortgage pledge and mortgage valuation evidence proof; ??? 6, the guarantor agreed to provide written guarantees and guarantee credit certificate; ?? 7, the borrower and the developers signed the "commercial housing purchase contract agreement" or "commercial housing sales (pre) for the contract"; ??? 8, the developers issued payment receipt or invoice copy; ??? 9, to savings as a self financing, the need to provide bank deposit certificates; ?? 10, to the provident fund as a self financing, that required to approve the use of provident fund deposit housing provident fund management department; ?? 11, the bank required to provide documents or other information. It Operations Guide 1, apply for??. The customer put forward written loan application and submit relevant information to the bank; 2, the signing of the contract??. The borrower received notice of approval for a loan to the bank, to the lending bank signed a loan contract and the guarantee contract with the bank, and as legalization, insurance and credit (quality) and registration procedures; 3, loans??. The bank agreed to loan, after the completion of the relevant procedures, the bank will be in accordance with the loan contract, the loan once or several times into houses in the bank to open a savings account; 4, the repayment schedule??. According to the loan contract the borrower repayment plans, repayment repayment of the loan principal and interest; 5, to settle the loan??. To settle the loan ahead of the settlement and settlement including normal two. The normal settlement: in the loan maturity (one-time debt class) or loan last period (amortization class) loan settlement; the settlement in advance: loan maturity date, the borrower as early as all or part of the settlement of the loan, according to the loan contract agreed in advance to apply to the bank, after approval by the banks to the specified accounting counter repayment. To settle the loan, the borrower should I hold the legal certificate issued by the valid identity certificate and bank loan settlement vouchers back by the bank and the custody of the relevant documents, and to settle the loan certificate to handle the registration and cancellation of the original mortgage mortgage registration department. Five, after the completion and acceptance of housing, developers to provide "admission notice" and "repossession notice", sales department, financial department, the property company management office to the site centralized office, to proceed with the formalities owners. At the same time to the owners for the formalities shall carry the relevant documents, the purchase contract, the formalities are as follows: 1, to pay the purchase balance developers sales offices. 2, to receive the "residential use of brochures," residential quality guarantee "and the relevant provisions of the form and decoration. 3, by the sales department or the Department of property owners with housing, signed the "handover book building". 4, and property companies signed the "Property Management Convention". 5, according to the provisions of pay the property management fee, range installation fee, cable installation fee, telephone fee (such as different properties have different provisions). 6, the new owners receive house keys, for decoration or check-in.