Come 2009, the property market after the macro-control precipitation and the government 08 years, people in the itch for a try, want to buy their favorite room. But recently a friend the same questions,Owing on the loan period houses can sell?The original loan buy a house because of insufficient funds, also before the bank owing on the loan period is "eat" out of interest, to say nothing of, now for the transfer of property have early owing on the loan together a large sum of money, such a large sum of money to where go to? If you do not pay off the loan, he cannot enter into the trading center: this property for a"Real defects", has set the mortgage banks are incomplete property rights.Strictly speaking, in the absence of repaid bank loans can not be on the market before.But now there are professional housing loan service agencies, with a name of "mortgage" products can solve this problem.
　　　

Beijing Rongxin Houze Company limited by guarantee is the credit of professional services, in cooperation with several banks, includingChinese bank,Industrial and Commercial Bank of China,China Merchants Bank,The Bank of Beijing,Shenzhen Development Bank,Minsheng Bank ChinaSo, for the supervision and control of funds and bank loans to business cooperation, to provide second-hand housing mortgage loans, mortgage loans, business loans, real estate mortgage loan business for customers.We strive to provide you the best of the loan programme. The following describes the secondary housing mortgage loans range and operation process.

The secondary housing mortgage loan operationpractice

A,  What is the mortgage

The house purchase Beijing region has completed the property ownership certificate in mortgage state house.

That is to sayBuyers who apply for loans from banks, for the purchase of loans not repaid, the mortgage of real estate in the state.

Or, colloquially refers toNow, the personal housing mortgage loans for borrowers in the bank loan repayment, in before the need to transfer property to others, and to the bank to apply for the property transfer to the assignee, the assignee and the property to repay the loan or to apply for mortgage loans.

Two,  Loans, Shoufu ratio

1     The length of the loan period of 30 years;

2     Shoufu proportion of housing bid 20% (reference evaluation);

Three,  The required conditions

With the normal second-hand housing

Four,  Borrowing should provide material

With the normal second-hand housing

Five,  Buyers should provide material

1     Identity card, residence booklet

2     Trading house property card copy

3     The original loan banks early repayment applications

4     The original loan bank loan contract

5     The original purchase contract

Six,  Transaction data

The seller and the buyer signed the "housing sales contracts"

Seven,  The procedures for

1     Complete information and buy memory after the first payment by bank approval of foot;

2     With the original loan repayment time;

3     With the original owner to the notary office for notarization principal repayment;

4     Together with the seller for early repayment procedures, prove recover property certificate and the amount repaid;

5     The mortgage registration for transfer procedures;

6     The buyer for the property permits and to complete the registration of mortgage related procedures, the seller to the bank to receive the remainder.

Above is the mortgage loan process, provide one-stop service for you, that both parties to the transaction funds and property security, cross bank mortgage bank, not subject to restrictions. Of course, the specific business to bank announcement and shall prevail.

For details, please consult Wang Jian, telephone 13701080860