The process of buying a house with a loan
1, choosing a house: buying a house is a big event, so it is natural to examine the lot, location, pattern, price, apartment type and quality of the house.
2. Determine the qualification of the developer: Since it is planned to buy a house by loan, it is necessary to determine whether the developer has the loan qualification given by the bank. Generally speaking, once the developer has completed the five certificates, it has passed the bank's audit, and consumers can rest assured that the loan purchase process can be carried out.
3. Submit a loan application: Buying a house with a loan requires consumers to have a stable job and income and have sufficient solvency. For example, civil servants need to prepare their own work certificates and income certificates when they borrow money to buy a house. Generally speaking, there will be bank staff in the sales office, and consumers can consult in detail and prepare the required materials.
4. Waiting for the bank's audit results: the bank will audit the financial ability and personal credit information of the buyers. Buyers with no bad records have a greater chance of passing the audit, and then sign the purchase contract after the audit results of the bank come out.
5. Sign the house purchase contract: The reason why the house purchase contract is signed after the bank audit is because if the bank audit fails, the buyers can change other ways to avoid causing great economic pressure. When signing a contract, you should check the contents of the contract one by one to ensure that there are no omissions in the corresponding agreed contents. Unclear and unclear terms shall be fully explained in the supplementary agreement.
6. Signing a mortgage contract with the bank: the buyer signs a bank mortgage contract with the developer and the bank with the required materials such as the purchase contract and the down payment certificate, and stipulates the loan amount, repayment amount and repayment period.
7. Housing filing and mortgage: At this point in the process of buying a house, buyers need to go to the real estate registration bureau for filing, property registration, loan mortgage and other procedures with all the formalities. It should be noted that the record must be filed first, and the success of the record can mean that the previously signed contract has legal effect, and then the next mortgage loan can be made.
8. Go to the bank to open a special account and start repayment. After opening an account, the bank will automatically deduct money according to the matters agreed in the contract every month.