If we have the need to buy a house, we will make the first move, but because the house price is too expensive now, for some people with great demand, housing is also a part of our life. A very important question. After all, some people have spent more than ten years of savings in order to buy a house. However, they still need to meet the requirements if they want to buy a house, especially a house. So Bian Xiao will tell you that you can meet the requirements as long as you buy a house. What should I pay attention to when buying a house with a loan?

Just need to buy a house meets the requirements.

Simply literally, just need is rigid demand. Buying a house is mainly based on self-occupation. Like clothing and eating, housing is also the most basic need. Rigid demand is relative to elastic demand, such as travel, vacation, entertainment and so on. Therefore, if there is no way to omit the demand for buying a house and you have enough funds at hand, then make up your mind to buy it!

For those who just need to buy a house, the most concern is the price. However, in order to sell houses, many developers will take some preferential treatment, lottery, gifts and other ways to attract their attention. At this time, buyers should never buy a house on impulse for the immediate discount, and should not only pay attention to the price but ignore the overall situation. Be sure to keep your eyes open, and don't be greedy and cheap. You can learn more about some similar buildings around, compare the same price and choose the right housing!

High-quality property equipped with high-quality property is also essential; Good property management can make everyone live more comfortably and save more troubles in life. And bad property is like living in a garbage dump, and the troubles caused by garbage everywhere in the corridor are inevitable. So the importance of good or bad property can be imagined.

What should I pay attention to when buying a house with a loan?

1, first check whether the developer's five certificates are complete, which will mean the reliability of the property and the legitimacy of the housing. After the house is satisfied, sign a contract on site to pay 40% of the house price. If the funds are temporarily insufficient and you really want to settle the house, you must pay a deposit of the corresponding amount. The developer will give you a receipt, but it will indicate that this suite is only reserved for you in a limited time, and you must sign a contract to pay 40% down payment within a certain period of time.

2. Otherwise, if you don't sign the contract within this limited time, your deposit will be regarded as a breach of contract and will not be refunded. No longer keep the house. After signing the contract, the developer will give you a set of information to fill in the application for bank mortgage, and the lender must show his ID card, household registration book, marriage and income certificate. The developer submits the information to the bank for preliminary examination, and the approval time is about 45 working days. After the first trial is passed, the developer or bank informs you to go to the bank credit department to sign a loan contract. The real estate license is basically handled by the developer, and you only need to pay the corresponding license fee. The time is 18 months from the date of delivery.