New house process: down payment-signing commercial house sales contract-going to the bank to apply for a loan and signing loan agreement documents-the developer issues a guarantee contract to the bank-the bank approves the loan-the house payment is given to the developer-the buyer pays the mortgage on a monthly basis-the bank handles mortgage registration. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises, usually short-term loans with a term of 9 months at most not exceeding one year, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment. No fines will be charged.

1. Submit loan information. Generally speaking, developers will have one or more designated cooperative loan banks, and buyers can choose one of them to handle housing loans. Bring all the required materials and give them to the bank staff; Loan qualification examination: the bank examines the loan qualification of the lender, including the authenticity of personal information, age, personal credit record and income. Among them, in terms of the age of applicants, many banks over 65 no longer accept loan applications.

2. In the personal credit record, if the overdue number is three to six times, the bank will refuse the loan, and if the individual owns more than two sets in Hangzhou, the bank will refuse the loan. The income needs to reach twice the monthly loan application, and it needs to cover all liabilities in the individual's name, including car loans. Generally, the bank will require the applicant to provide the details of the bank flow in the past six months to prove his income ability. After receiving the loan applicant's materials, the bank will examine the loan applicant. General commercial loans take 7- 10 working days (the specific review time is subject to each bank).

3. Sign a loan contract. After approval by the bank, a formal loan contract will be signed with the applicant. In practice, the applicant will sign the loan contract when submitting the materials, but the bank will stamp the contract only after approval; Loan issuance: after the bank completes the loan process, it will directly issue loans to the developers, and the applicant needs to repay the loans to the bank every month. It should be noted that if the applicant purchases an auction house, the bank will issue the loan only after the auction house is capped.

What is the loan process for buying a house?

Buying a house by loan is the most common in today's society. Compared with high housing prices, it is not so easy to buy a house in full, and buying a house with a loan can reduce the pressure on buyers. Then, do you know the process of buying a house and lending, and how long it takes to buy a house and lending? Now let's have a look.

First, the purchase loan process

1, choose the house you want to buy; 2. Submit the housing loan application and related materials to the bank; 3. Bank review materials; 4. After the approval of the bank, sign a house purchase contract with the developer; 5. Sign a housing loan contract with the bank; 6. The Housing Authority shall record the loan situation; 7. The bank will lend to the developer and the buyer will start to repay the monthly payment.

Second, how long does it take to buy a house and get a loan?

1. When buying a new house, you need to apply for a loan. Since the property will have a pre-sale certificate at this time, the buyer only needs to apply directly to the bank. Bank staff will review the buyer's information and inquire about the buyer's credit information. As long as there is no problem, they will reply to the buyer in about 3 days. At this time, the purchaser can submit ID card, income statement, down payment voucher and purchase contract.

2. After the lender submits all materials, the bank will conduct internal examination and approval, and go to the Housing Authority for mortgage procedures. It usually takes about 65,438+00 working days here. After other warrants are issued, the loan will be issued to the developer within 3 working days.

3. It should be noted here that if you apply for a commercial loan, it will take about 65,438+05 ~ 30 days from the date when you submit the materials to the date when the bank issues the loan. If the provident fund loan is used, more institutions will be involved and the audit process will be more troublesome, so it will take longer, about 30 to 60 days.

I'll introduce the process of buying a house and getting a loan, and how long it will take. Are you clear? It's best to have a certain understanding of the loan process, otherwise you will spend more time on it because you don't know the loan process.

What is the process of buying a house with a loan?

It is necessary to sign a house purchase agreement with the developer. In addition, fill in the personal housing loan application and provide the information needed by the bank. Then the bank will review the information provided by the buyer; After passing the qualification examination, the buyer signs a loan contract, a mortgage contract and a guarantee contract with the bank; Then go through the formalities of real estate mortgage registration, insurance and notarization. Handle loan entry and transfer. Finally, go to the development company to handle the relevant transfer procedures.

The individual housing loan will be repaid from the next month after the loan. There are two repayment methods, one is equal repayment of principal and interest with fixed monthly principal and interest, and the other is equal repayment of principal with the same monthly principal. Banks usually use equal principal and interest repayment. Because in this way, within the same loan period, the monthly repayment is fixed, and the repayment pressure is small.

Extended data:

Precautions:

Prepare loan materials in advance: copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, copy of education certificate, copy of income certificate and bank account, copy of house purchase contract and down payment invoice, and relevant social security certificates. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.

At present, there are two main repayment methods for bank loans to buy a house, namely, equal principal and interest and average capital. Although the interest rate in average capital is less, the monthly supply is higher and the pressure is relatively greater. The total interest of equal principal and interest will be higher, but the monthly repayment pressure will be less. You can choose the appropriate repayment method based on your own situation.