First, the general purchase is that after the buyer pays the down payment, the developer issues the down payment invoice; After the bank lends money to the developer, the developer issues an invoice for the loan amount to the buyer. When handing over the house, exchange two invoices for the full invoice.
2. The developer will give you the purchase invoice within seven working days after receiving the full payment. Or give it together when handing over the house.
Third, consult the developer in advance.
Extended data:
Unable to withdraw provident fund:
When withdrawing the housing accumulation fund, you need to purchase the full invoice, the purchase contract, the original ID card and other materials that need to be filled in. If housing provident fund is withdrawn from different places, it is necessary to submit social security personal rights and interests records.
Processing settlement is frozen:
After buying a house, many people want to move their accounts, but when they settle down, they also need buyers to provide purchase contracts and purchase invoices.
According to the "Measures for the Administration of Invoices in People's Republic of China (PRC)", all units and individuals engaged in production and business activities shall ask the payee for invoices when purchasing goods, receiving services and paying for other business activities.
Do you need a receipt for a house loan?
Loan certificate, also called extension certificate, is a certificate that the bank directly transfers the loan granted to you to the seller (individual or developer, etc.). ) After the pre-loan procedures are completed. This voucher is usually made in quintuplicate, with the bank credit department-couplet and accounting bookkeeping department] in duplicate, and the seller enters one couplet, which is a receipt for you and one of your bank loan vouchers.
Housing loan, also known as housing mortgage loan and mortgage loan, is a legal document such as housing mortgage loan application form, ID card, income certificate, housing sales contract, letter of guarantee and so on, which is filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly allocates loan funds within the time limit stipulated in the contract.
Knowledge expansion:
What is the certificate of loan use?
According to the loan type, provide the corresponding loan use certificate.
1. business operation: the documents to be provided include the certificate of business residence, the contract for the renovation of business premises, the agreement for the purchase of business equipment, the contract for the purchase and sale of products, etc.
2. Purchase of equipment: If the loan is for the purchase of equipment, you need to provide the corresponding equipment quotation or purchase order.
3. Consumption: You need to provide relevant supporting documents, such as car purchase invoices and vouchers, purchase and sale contracts for commercial houses, and purchase vouchers for household appliances.
4. Decoration: If the loan is used for decoration, it is necessary to provide the decoration project budget issued by renovation contract and the decoration company, including material cost, labor cost and receipt.
5. Education: You need to provide admission notice, tuition receipt and other materials that can reflect the amount of tuition.
6. Wedding: wedding banquet contract, jewelry invoice, etc. Should provide.
7. Purchase: If the loan is used for purchase, you need to provide the corresponding order voucher.
8. Travel: there must be travel contracts, hotel consumption invoices, receipts, etc.
9. Others: related invoices, pos bills, etc. Should be provided.
What is the loan certificate of the housing loan bank?
Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.
This kind of loan is actually a loan method in which the debtor (mortgagor) legally transfers the property ownership to the creditor (mortgagee) to obtain a loan. During this period, if the debtor fails to repay the loan principal and interest on schedule, the creditor has the right to dispose of the collateral and get priority compensation.
This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.
The use of mortgage loan in housing credit is based on the security, liquidity and profitability of bank operating funds.
Because the borrowers of this kind of housing loan are mostly individual residents, and it is impossible for banks to clearly understand the financial strength and credibility of borrowers, which increases the risk of bank loans, and mortgage loans provide creditors with effective protection to recover loans just under the condition of high loan risk.
Therefore, most banks use mortgage loans when granting housing loans to individual residents.
Extended data:
Housing loan processing requirements:
Housing requirements:
1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;
2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;
The Lender requires:
China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.
1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;
2. No illegal acts and bad credit records;
3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
5. Other conditions stipulated by the bank.