How to get a mortgage for a new house
In recent years, as the real estate market continues to heat up, more and more people are choosing to purchase new homes through mortgages. However, the issue of settling in after purchasing a house confuses many people. This article will introduce in detail the specific process, required materials and precautions for settling in with a mortgage to help you successfully complete the settlement procedures.
1. Basic conditions for settling in a new house with a mortgage
To settle in a new house with a mortgage, you need to meet the following basic conditions:
| Conditions | Description |
|---|---|
| Real estate certificate | Must obtain real estate certificate or real estate title certificate |
| loan contract | Provide bank mortgage loan contracts |
| house purchase contract | Provide a purchase contract signed with the developer |
| Proof of household registration transfer | Household registration transfer certificate issued by the original place of residence |
2. The specific process of settling in a new house with a mortgage
The process of settling in with a mortgage for a new home usually includes the following steps:
| steps | Operation |
|---|---|
| 1. Prepare materials | Collect real estate certificates, loan contracts, house purchase contracts and other materials |
| 2. Apply for settlement | Submit a settlement application to the local police station or household registration management department |
| 3. Review materials | The household registration management department reviews whether the materials meet the requirements |
| 4. Apply for settlement | After passing the review, go through the household registration transfer procedures |
3. Things to note when settling into a new house with a mortgage
When applying for a mortgage to settle in a new house, you need to pay attention to the following points:
| Things to note | Description |
|---|---|
| Real estate certificate processing time | The property certificate of the mortgaged house is usually kept by the bank. You need to confirm whether it has been processed. |
| Loan repayment record | Maintain a good repayment record to avoid affecting your settlement |
| Differences in household registration policies | The settlement policies of different cities may differ, so you need to understand them in advance. |
4. Comparison of mortgage settlement policies for new houses in popular cities
The following is a comparison of mortgage new home settlement policies in several popular cities:
| city | Settlement conditions | Materials required |
|---|---|---|
| Beijing | Required to pay social security for 5 consecutive years | Real estate certificate, social security payment certificate, ID card |
| Shanghai | Must hold residence permit for 7 years | Real estate certificate, residence certificate, ID card |
| Guangzhou | Required to pay social security continuously for 1 year | Real estate certificate, social security payment certificate, ID card |
| Shenzhen | Required to pay social security for 3 consecutive years | Real estate certificate, social security payment certificate, ID card |
5. Frequently Asked Questions
1. Can I settle in a mortgaged house without a real estate certificate?
Normally, a real estate certificate or real estate title certificate is required to settle in. If the real estate certificate for the mortgaged house has not been completed, you can consult the local household registration management department whether it can be replaced by a house purchase contract and a loan contract.
2. Do I need to pay off the loan to settle in a mortgaged house?
No need. As long as the real estate certificate has been issued and complies with local settlement policies, you can apply for settlement even if the loan has not been repaid.
3. Can I move out after settling in the mortgaged house?
Yes. If you need to move out after settling in, you must follow the procedures of the local household registration management department to go through the move-out procedures.
Summary
Although the process of settling into a new house with a mortgage is relatively complicated, it can be completed smoothly as long as you understand the policies in advance and prepare relevant materials. I hope this article can provide you with useful information and help you solve your settlement problems easily.
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