Mortgage loan is the main way for many young people to buy a house now. Buying a house is a huge sum of money and a major event in life. There is nothing wrong with being cautious. Many people may not know much about mortgage to buy a house's precautions and procedures. 1. How long is the housing loan process (1) If you want to buy a new house, if you need to apply for a mortgage and the property has been pre-sold, as long as you apply to the bank, the bank will check your credit record with the People's Bank of China. If there is no problem, we will reply to your personal loan application within 3 days, and ask you to submit relevant documents such as copy of license, income certificate and down payment document as required, and sign relevant bank documents and loan contract. After collecting all the information, the bank submits it for internal approval, and then goes to the housing management transaction to go through the mortgage registration formalities, which takes about 10 working days. After the transaction is issued with other warrants (real estate registration certificate is issued by the city where real estate registration is implemented), the bank will lend money within 3 working days. Note later that if you apply for a commercial loan, it usually takes about two weeks from the time when the lender submits the information to the time when the loan is released. If it is a provident fund loan, the processing progress will be slower, and it may take 1-2 months or even longer, because it involves many institutions such as provident fund and banks. (2) If you buy a second-hand house and need to apply for a mortgage, apply to the bank. After confirming that there is no problem with the credit information, the bank will confirm the acceptance. It is necessary to conduct a comprehensive evaluation of the house through a third-party evaluation agency and issue an evaluation report in about 3 working days. Then the bank will verify the loan ratio according to the evaluation value. If the total down payment of the loan amount is less than the contract amount registered in the housing management transaction, the difference must be made up before the transfer formalities, and the relevant documents should be submitted to the bank for future reference. After approval, the bank will issue a loan approval letter. After receiving the loan approval letter, the buyer and the seller go to the housing management transaction office to handle the transfer. After the transfer is completed, they will hand over the deed tax ticket and the license notice to the loan bank (if it is handled through a guarantee company, the bank will issue the loan amount to the original owner within 24 hours). The bank will go through the mortgage formalities with the house book, and then the bank will lend money. Second, can I check out after paying the down payment and signing the contract? One party can negotiate with the other party to terminate the house purchase contract, or serve the other party with a notice of house rejection after the termination conditions agreed in the contract or legally occur, and inform the other party when the house purchase contract arrives, and the defaulting party shall bear the corresponding liabilities for breach of contract. Third, the process of buying a house (1) First, collect all kinds of information about real estate projects through the media. (2) Through the collected building materials, telephone consultation or friends who are familiar with the project, they have a preliminary understanding of the optional projects, and then take a few days to conduct on-site field visits. (3) Through the comprehensive calculation and analysis of their own consumption demand (purchasing power, planned real estate, lots, property management, environment, supporting area of residential quarters, total price), initially determine a housing purchase framework suitable for their actual needs, and then compare and screen with the collected real estate information to determine some alternative projects. (4) During the field trip of the project, you can invite some friends who have a better understanding of the building and environment to go with you, which will be of great help in choosing a good house. After selecting the project, before paying the deposit, you should consult the lawyers or knowledgeable friends in the real estate industry about the problems that should be paid attention to when signing the contract. If possible, please ask a full-time real estate lawyer to handle it for you, so as to ensure that if there is a dispute with the developer after buying a house, it will not be too passive. (5) After making the above preparations, go to the sales office to pay the deposit and sign the subscription book to determine the time for signing the formal contract. (In the meantime, please pay close attention to the five certificates and related documents provided by the developer). (six) according to the agreed time to sign a formal purchase contract with the developer, and pay the purchase price according to the payment method agreed in the contract. (seven) within the prescribed time limit, the developer shall assist the local real estate transaction management department to handle the pre-sale contract registration procedures and pay stamp duty according to the regulations. (eight) after the registration of the contract, if you need to apply for housing loans, you can start to apply for mortgage loans. Specific measures can be consulted with relevant departments. (9) After the house is completed and accepted, the developer will provide the notice of occupancy and the notice of repossession, and the sales department, the finance department and the management office of the property management company will gather at the site to handle the owner's occupancy formalities. Through the above article, we have a certain understanding of how long the loan process is. When buying a house, you must carefully consider the repayment method and loan interest. If there is anything you don't understand about buying a house.

Legal objectivity:

Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Interim Measures for the Administration of Personal Loans Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.