After buying a house, I went to the bank to sign a loan contract and submitted a loan application form when submitting a loan application.
Information required for mortgage loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required).
2. The original purchase agreement.
3. Original and photocopy of advance payment receipt for 30% or more of the house price 1 copy.
4. 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.
5. The developer's collection account number is 1 copy.
Loan procedures:
① First, go to the bank to understand the relevant situation;
(2) Apply for individual housing loan with all relevant materials;
(3) then accept the bank's review and determine the loan amount;
Next, you can apply for a loan contract, and the bank will handle insurance;
(5) Handling the registration and notarization of property right mortgage;
⑥ After the bank issues the loan, after the borrower repays the loan every month and pays off the principal and interest, the last thing left is to cancel the registration.
Pay attention to bank loans to buy a house
Do not use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund before the loan pays the house price, the balance of the provident fund in your provident fund account will be zero, so your provident fund loan amount will be zero, which means that you will not apply for a provident fund loan.
Matters needing attention in buying a house with bank loan II
Don't repay the loan in advance in the first year. According to the relevant provisions of provident fund loans, part of the prepayment should be made after one year of repayment, and the amount you return should exceed the repayment amount of six months.
Pay attention to three bank loans to buy a house
If you have difficulty in repaying the loan, don't forget to look for the banks around you. Don't insist on it yourself when your solvency drops during the loan period and you have difficulty in repaying the loan. ICBC customers can apply to ICBC for extending the loan term. According to our investigation, if you have not defaulted on the loan principal and interest, we will accept your application for extension.
Pay attention to bank loans to buy a house
Don't forget to inform the obligation to rent the house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgage fact in writing.
Pay attention to five ways of buying a house with bank loans
Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the principal and interest of the loan, you can cancel the mortgage at the county real estate trading center where the real estate is located with the bank's loan settlement certificate and other real estate title certificates of the mortgaged property.
Pay attention to bank loans to buy a house
Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract and loan note signed by the bank with you are all important legal documents. As the loan term can be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs.