Application materials required for loan to buy a house
1. Identity cards (or other valid documents, such as military officer's card, etc.) of the main lender and spouse (if any) who purchase the house by loan;
2. Household register of the main lender and spouse (if any) of the loan house;
3. Income certificate of the main lender and spouse (if any) who borrowed to buy a house (the total income certificate must exceed twice the monthly payment and the income flow (if necessary);
4. Marriage certificate of the main lender who borrows money to buy a house (single certificate or marriage certificate, some bank single certificates do not need to be issued by the Civil Affairs Bureau, just fill in the single statement and sign it according to the prescribed format);
5. Asset certificates of the main lender and spouse who borrowed money to buy a house (if necessary);
6. Proof of down payment;
7. The house sales contract signed by the buyer and the seller;
8. The house sales contract contains the above information.
Loan purchase process
1. Submit mortgage loan application: There are cooperative banks in the sales offices of general projects, so buyers can save the step of finding a bank. Therefore, after determining the housing, consult the relevant banks, learn about the relevant provisions of mortgage loans from the banks, prepare the documents required by the banks, fill out the mortgage loan application form and submit it to the banks for review.
2. Waiting for the bank's audit results: The correct order should be to pass the bank's "application for mortgage loan" audit first, and then sign a house purchase contract with the developer.
3. Sign the house mortgage contract: After signing the house purchase contract, the whole process is halfway through. Next, buyers need to sign mortgage loan contracts with developers and banks with purchase contracts, down payment vouchers and related legal documents. The contract will clearly stipulate the loan amount, loan term, repayment method and related rights and obligations.
4. Housing Authority filing: Take the Housing Mortgage Loan Contract and the House Purchase Contract to the relevant departments of the Housing Authority for mortgage registration and filing. Generally speaking, it takes some time for the Housing Authority to put on record. Ask the local housing authority specifically. Only if the record is successful, the previously signed contract will be valid, and then the next mortgage registration and repayment can be carried out.
5. Open a special repayment account to start repayment: After the Housing Authority successfully files a case, the bank will designate a financial institution for the buyers according to the contract and authorize the opening of a special repayment account. The authorized agency will deduct the monthly payment from the buyer's bank account every month.