1. Check the home purchase qualifications.

Some friends think that the current purchase restriction policy is mainly aimed at people who buy multiple houses. If they have not purchased a house before, they will not be restricted. However, this is not necessarily true, especially if you want to buy a house in these big cities. Friends who want to buy a house in the city, the first thing they need to know is whether they are qualified to buy a house. Generally speaking, home buyers with local household registration can buy their first home locally, while buying a house with a non-local household registration needs to meet certain tax or social security requirements. Require.

2. Prepare down payment and deposit for house purchase.

If you choose to buy a house with a loan, you will also need to prepare a down payment and a deposit for the house. Before buying a house, you should have thought about what kind of house you want to buy and what you need to buy a house with a loan. Be aware of your down payment. In addition, if you come across a house that suits your idea when looking at houses, you generally need to pay a deposit for the purchase.

3. View and choose a house.

If home buyers want to take out a loan to buy a house, they should focus on understanding this aspect when choosing a property. When home buyers learn from advertisements or introductions from salespeople that mortgage loans are available for some projects, they should further confirm whether the properties developed and constructed by the developers are supported by banks to ensure the smooth acquisition of mortgage loans.

4. Pay a deposit for purchasing a house.

At this time, buyers must pay attention to whether they are paying a deposit or a deposit. The deposit is legally binding. If the buyer violates the contract, he will not get the deposit back. If the developer violates the contract, he will need to return double the amount. Deposit. The deposit is not expressly stipulated in the law. It generally represents a certain amount of money paid in advance, and there is no liquidated damages.

5. Pay the down payment and sign the house purchase contract.

I believe everyone is aware of the importance of a house purchase contract. The contents of a house purchase contract generally include the area of ??the house, unit price, total price, building, floor, unit and household number, etc. At the same time, relevant considerations must be negotiated. Matters and supplementary terms, including the division of responsibilities and handling methods for unexpected situations after handover.

6. Go through the mortgage procedures.

After confirming that the property of their choice is supported by a bank mortgage, home buyers can prepare to sign a home purchase contract. In addition, they should note that mortgage loans generally include provident fund loans and commercial loans. According to the repayment method, it is divided into two types: equal principal and interest repayment method and equal principal repayment method. Home buyers should choose the method that suits them based on their actual situation.

7. Waiting for the handover of the house.

If you are buying a new house, and most new houses are now off-plan, you still need to wait for the house to be built before you can take delivery of the house. When the house is handed over, the buyer can invite a specialized home inspector. Inspect the house from top to bottom, inside and outside in accordance with relevant industry standards, including checking the outdoor area, roof, basement, floors, attics, water and electricity facilities, and turning on heaters, air conditioners and other equipment. Finally, all equipment will be inspected. A written report is given to the prospective owner.

What should you pay attention to when buying a first mortgage?

1. Repay the loan on time.

After applying for a bank loan, you will need to make regular repayments. At this time, everyone must pay attention to whether there are sufficient funds in your repayment account before the monthly agreed repayment date. , to prevent the bank from penalizing interest due to your own negligence in breach of contract and leaving a bad credit record in the bank.

2. Choose a bank based on your own situation.

Different bank services vary. Borrowers will receive flexible and diverse personal financial services, as well as a rich portfolio of services and products. They should choose a suitable loan bank based on their actual situation.

3. Provide true information.

According to regulations, borrowers must provide relevant certificates when borrowing from banks so that banks can correctly evaluate the borrower's repayment ability. You can ask your employer to issue you a corresponding income certificate. It is worth noting that you should provide true proof of your personal occupation, position and recent economic income, otherwise the bank will reduce its trust in you, thus affecting your loan application.