But this does not mean that the application for mortgage loan will be successful, because whether the mortgage loan can be approved depends on whether the applicant meets the requirements and whether the applicant has the ability to repay the loan on time. If the customer applying for a loan has multiple credit loans from multiple institutions in a short period of time, the bank may be more cautious in approving the loans, but this does not mean that if the customer uses the Internet to borrow products, the bank will refuse the loans.
Sub-process of loan to buy a house
First of all, go to the bank to understand the relevant situation. And check the personal credit information to see if it meets the loan conditions. Then accept the bank's review of you and determine the loan amount.
Those who meet the loan conditions can sign a house purchase contract with the developer and provide relevant loan materials (husband and wife ID card, marriage certificate, household registration book, income certificate, down payment receipt, proof of no room, etc.). ).
Then sign a loan contract with the bank, and the bank will handle insurance. Handle the registration and notarization of property right mortgage. What is left is that the bank cancels the registration after issuing the loan, and the borrower repays the loan and pays off the principal and interest every month.
Loan to buy a house details
If both husband and wife borrow money to buy a house, whether they apply for provident fund loans before or after marriage, as long as one of them has applied, it will be recorded in the provident fund center system. Before the last loan is paid off, neither husband nor wife can use the provident fund loan to buy a second house again.
Applicants who purchase the first set of housing manage provident fund loans, and the balance is less than 70,000, which is calculated as 70,000; If you buy a second suite, if the account is less than 20,000, it will be calculated as 20,000. 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.
The borrower bought the first house with the provident fund loan, and can't apply for the second house again before the provident fund loan is paid off. In the process of buying a house loan, the provident fund loan can only be used again on the premise of paying off the previous housing loan.
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 may be as long as 30 years, as a borrower, you should take good care of your contracts and IOUs. In addition, in the bank's housing loan procedure, only one of the husband and wife is generally set as the "lender" and the other party can be the "co-lender". Who is the "main lender" of the joint loan of husband and wife provident fund is also particular.