The process of house purchase loan is as follows:

1. Loan officers, intermediaries, appraisers, buyers and sellers go to the house site where the mortgage loan is applied for to conduct on-site investigation of the house; Property right verification; The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification, and go through the relevant formalities; The bank carefully checks and verifies the original customer information, identifies the authenticity of all signatories, supervises the customer's signature, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

2. The bank collates information and fills in the contract according to the relevant information provided by the customer; Payment obligation: after the bank has passed the pre-examination, it will notify the customer to pay the fee; Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank; Bank lending. #

Housing purchase process with provident fund loan:

(1) The borrower needs to submit a written application to the Municipal Housing Provident Fund Management Center, fill in the application form for housing provident fund loan and provide relevant information truthfully.

(2) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount and loan term, and after the contract is filled in and agreed, the borrower and the center sign relevant contracts or agreements, and handle insurance according to the regulations of the People's Bank of China.

(3) after the loan procedures are completed, the municipal housing provident fund management center will issue a loan approval notice to the bank, and the bank will go through the loan transfer procedures after receiving the loan notice. #

The process of buying a house with mortgage loan is as follows:

1. Sign a house purchase contract.

2. Pay the down payment, and pay attention to keeping the down payment receipt.

3. Go to the bank and fill out the Application Form for Personal Housing Loan.

4. The bank examines the mortgage loan application.

5. Go to the Housing Authority to apply for the Certificate of Other Rights of the House

6. Open an account.

7. Withdraw the loan.

8. repay the loan as agreed.

9. Repay the loan.

the above contents are for reference only, and I hope they can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!