The process of buying a house by loan mainly includes: 1, loan application; 2. Choose real estate; 3. Sign a house purchase contract; 4. Handle mortgage registration and insurance; In addition, mortgage registration is an essential procedure, and the insurance amount shall not be lower than the total value of the collateral; 5. Sign a house mortgage contract; 6. Open a special repayment account. Article 35 of the Law of People's Republic of China (PRC) Commercial Bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval.

Housing loan process

The housing loan process is as follows:

1, the borrower signs a house purchase contract with the developer and pays the down payment.

2. The borrower applies for a loan and submits the loan information.

3. The bank accepts the investigation, acceptance and approval.

4. The bank signs a loan contract with the borrower.

5. Go through the formalities of notarization insurance.

6. Banks issue loans.

The required information is:

1, housing loan requires the borrower's personal housing loan application; A copy of the borrower's ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence certificates or other identity documents) shall be provided for housing loans; Housing loans must be approved by the handling bank, the borrower's stable income certificate issued by the relevant departments, or other proof of solvency.

2 housing loans need to be legally purchased housing contracts, agreements and related approval documents; List of rights and ownership certificates of mortgage or pledge required for mortgage loan, certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and mortgage evaluation report issued by an evaluation agency recognized by the loan bank; Buying a house loan requires the guarantor to provide a written promise of guarantee and the guarantor's credit certificate.

What are the procedures for buying a house loan?

Housing loan process 1. The lender applies to the lender to fill in the Application Form for Personal Housing Loan at the loan bank and submit the following materials: ① the borrower's ID card and household registration book; (2) Letter of Intent for House Purchase or other supporting documents; (3) A certificate of stable income of the borrower's family issued by the borrower's unit; (4) Other certificates required by the lending bank. (Second-hand houses also need to provide copies of the seller's real estate license, ID card and marriage certificates of several property owners and spouses. 2. The loan bank examines the borrower's loan application and other supporting materials, issues a loan commitment letter after passing the examination, and signs a mortgage contract with the borrower. 3. The borrower shall take out insurance for the mortgaged house. The borrower mortgages home insurance, and the borrower mortgages home insurance to the insurance institution designated by the loan bank with the purchase contract. Now banks generally do not have compulsory insurance, which is a voluntary principle. The borrower signs a personal housing mortgage loan contract with the loan bank; The borrower shall sign the Personal Housing Mortgage Loan Contract with the third party (legal person) guarantor at the loan bank with the purchase contract (appraisal report and new real estate license are required for second-hand houses), mortgage contract, custody contract and insurance policy, and go to the real estate management authority for mortgage registration within 30 days. If the parties request notarization, they can go to the notary office for notarization. (Second-hand houses generally do not need a guarantor now) 4. The loan bank transfers the loan to the deposit account of the selling unit in the loan bank as stipulated in the house purchase contract. Article 5 of the Measures for the Administration of Individual Housing Loans: 1. Have permanent residence in cities and towns or valid residence status; Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase; Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lender. Article 6 The borrower shall provide the lender with the following information: identity documents (referring to valid residence certificates such as resident identity cards and household registration books); 2. Proof of the stable income of the borrower's family; Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents; Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; 6. Other documents or materials required by the lender. Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans. Article 8 The loan amount issued by the lender shall not exceed the value of the house purchased by the real estate appraisal agency. Article 9 If an applicant applies for using the housing provident fund loan to purchase a house, after the loan application is approved, the lender will transfer the funds to the bank account opened by the selling unit according to the time stipulated in the loan contract. The maximum amount of housing provident fund loans shall not exceed 2 times the amount of housing provident fund deposits within the retirement age of borrowing family members.

Loan to buy a house process steps

The process of buying a house with a loan:

First, prepare before seeing the house.

Before looking at the house, you can make a capital plan first to understand the down payment funds available for distribution.

It is best to have a detailed down payment fund range, and choose a suitable house within this range.

According to my qualifications for buying a house, I have determined the type of property I want to buy. If I can't buy a house for 70 years, I can buy a house for both business and residence.

Second, Tian Zhai.

Go to the sales office to see the real estate, and demand depends on the project sand table, apartment sand table and regional sand table.

Understand the details of the whole building, ask the property consultant about the surrounding facilities and planning, as well as the unit price and preferential activities of the house.

If you know about the auction project, usually, the surrounding facilities are still under planning. You can go to the government website to check the surrounding planning documents.

Third, arrange the number and choose the house.

For some centrally opened properties, developers will ask buyers to stop arranging numbers, and wait until the real opening day to stop choosing houses according to certain rules.

When choosing a house, the whole process is relatively compact, so buyers can make a backup plan in advance and try to choose their favorite house.

4. subscribe.

Choose a good house, if you want to subscribe, buyers need to prepare the information for the qualification examination in advance, sign the subscription book and hand it over to the developer staff.

At the same time, a part of the deposit will be paid at the time of subscription. The deposit has a receipt (UnionPay receipt), and the amount paid by the deposit does not exceed 20% of the total house price specified in the contract.

5. Online signing, signing and down payment.

After submitting the house purchase qualification audit, the audit results will be issued within 10 working days.

After the audit, the developer informed the buyers to sign the purchase contract. When signing a house purchase contract, we should pay attention to whether there are blank clauses in the contract, whether the rights and obligations in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, and whether the delivery date and specifications are clear.

Pay the down payment, generally there will be pos machines in the sales offices, and the UnionPay receipts that have been paid by credit card should be collected, waiting for the developer to issue the down payment invoice. You can get it the same day.

Sixth, loans.

If there is a bank staff stationed in the sales office, buyers can hand over the prepared information to the bank.

The time of lending is related to the speed of bank processing and the situation of building capping. Take Beijing as an example. In the case of auction, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of national provident fund loans has nothing to do with whether it can be capped.

Seven, check the house and accept the house.

After the first few steps are completed, developers such as buyers' demand will inform them to close the house. Buyers need to pay attention to the closing time. When inspecting the house, they should carefully check every detail of the house and check the "three certificates, two books and one form".

If the developer can't produce these documents, he can directly refuse to accept the house. If you don't trust my house inspection, you'd better ask a professional to stop it.

Eight, pay taxes.

After the house is closed, all buyers can pay taxes to the local tax bureau with the purchase invoice and the measured area difference invoice (if the auction house has an area difference, this invoice will be available).

Generally speaking, commercial housing needs to pay deed tax and residential special maintenance fund, and commercial housing needs to pay additional stamp duty, and then pay property fees, heating fees, parking spaces and other expenses.

Nine, handle the room.

When buying a house with a loan, the developer usually asks the third party to stop acting, and the buyer only needs to hand over the information and expenses to the agent, waiting to get the house book.

Under normal circumstances, you will leave the house within 180 days (existing house) -270 days (forward house) from the date of occupancy.

What is the loan process for buying a house?

Buying a house by loan is the most common in today's society. Compared with high housing prices, it is not so easy to buy a house in full. Buying a house with a loan can reduce the pressure on buyers. So, do you know the process of buying a house and getting a loan? How long does it take to buy a house and get a loan? Now let's have a look.

First, the purchase loan process

1, choose the house you want to buy; 2. Submit the housing loan application and related materials to the bank; 3. Bank audit materials; 4. After the approval of the bank, sign a house purchase contract with the developer; 5. Sign a housing loan contract with the bank; 6. The Housing Authority shall record the loan situation; 7. The bank will give the loan to the developer, and the buyers will start to pay back the monthly payment.

Second, how long does it take to buy a house and get a loan?

1. When buying a new house, you need to apply for a loan. Since there will be a pre-sale certificate for the real estate at this time, buyers only need to apply directly to the bank. Bank staff will review the information of buyers and inquire about the credit information of buyers. As long as there is no problem, they will reply to the buyer in about 3 days. At this time, buyers can submit ID cards, proof of income, down payment vouchers and purchase contracts.

2. After the lender submits all the materials, the bank conducts internal examination and approval, and goes through the mortgage formalities with the Housing Authority. It usually takes about 65,438+00 working days here. After other warrants are issued, the developer will be given money within 3 working days.

3. It should be noted here that if you apply for a commercial loan, it will take about 15 ~ 30 days from the date when the materials are submitted to the date when the bank issues the loan. If the provident fund loan is used, there will be more institutions involved and the audit process will be more troublesome, so the time will be longer, about 30 to 60 days.

Regarding the process of buying a house and lending, how long it takes to buy a house and lending, I will introduce it here first. Are you clear? It's best to have a certain understanding of the loan process, otherwise you will spend more time on it because you don't know the loan process.

Purchase loan process

Borrower's application → pre-loan investigation → examination and approval → signing loan contract → handling insurance, notarization, guarantee and other procedures → issuing loan → filing data → post-loan management → repaying loan → paying off mortgage.

1, select real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. Apply for a mortgage loan.

After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. Sign a house mortgage contract.

After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

5. Apply for mortgage registration and insurance.

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.

Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

6. Open a special repayment account

After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract.

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

Matters needing attention

1. Materials to be provided for mortgage loan: 3 copies of the ID card of the applicant and spouse, and the original and copy of the household registration book (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

Original purchase agreement. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. The developer's collection account number is 1.

2. When the bank evaluates the repayment period of the mortgage for the borrower, it first takes its age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, and the older the age, the shorter the loan period. Under normal circumstances, "the lender's age loan period does not exceed 65 years" is the loan period that the bank can handle for it.

3. The age of the loan house

When a lender buys a property, the "age" of the purchased property will determine how many years he can borrow. According to the regulations of the bank, it is easier to get a loan for a property with a newer room.

For example, the second-hand houses with a construction period of 10 years have good conditions in all aspects, and banks are willing to speed up the approval of housing loans with this period. However, in the 1970s and 1980s, second-hand houses were relatively old, and the loan risks controlled by banks were relatively high, so banks were very cautious in approving loans for such houses.