When to apply for a loan to buy a house, you usually pay the down payment first, and then go to the bank for a loan. The bank will ask the home buyer to present the home purchase contract and down payment voucher, as well as personal identity information, bank statements for the past six months, and personal credit record.

How to buy a house 1. To buy a house with a loan, you must first apply for a loan from the bank. At this time, you need to bring your ID card, housing provident fund savings card, personal seal, work certificate, bank account and other documents, and then Go to the credit department to apply for a home loan.

2. After applying for a loan to the bank, the bank will evaluate it based on the information provided by the applicant and the actual condition of the house. The lending bank will review the borrower's requirements and then sign a loan agreement. But you need to be reminded that if there is a problem with your credit record, the bank will basically not approve it.

3. After the contract is signed, you can go to the Finance Department to apply for mortgage and mortgage, and then submit the loan contract, mortgage contract, house mortgage, mortgage certificate, mortgage certificate and other related loan documents to the lending bank.

4. After the mortgage is completed, you need to sign a repayment contract with the bank, which is usually repaid with a credit card. Everyone can decide their repayment time according to their age, and then the The bank calculates the monthly repayment amount, and then the bank pays it, and then the bank withholds it, and the bank pays it.

Documents required for housing loan approval 1. Original and copy of ID card (original and copy of ID card)

2. Household register and household registration book (household registration booklet) This and my household registration book)

3. Original and copy of marriage certificate (marriage certificate, divorce certificate, court judgment, marriage certificate issued by the civil affairs department)

4. Personal income , salary voucher (stamped with unit seal), personal bank account settlement statement (6 months). (The bank has a pay stub, you can go to the bank to get it)

5. The original house sales contract issued by the house property rights department.

6. The original and photocopy of the real estate purchase invoice issued by the developer.

7. An original and copy of a bank account book or passbook

How long does it usually take to approve a home purchase loan? 1. Generally speaking, the shortest week, the shortest One week, the longest week. The specific term depends mainly on the borrower and the bank. For example, the information provided by loan applicants is relatively complete, and the bank will not add other information during the review process. Under normal circumstances, it should be completed within a week.

2. Of course, some procedures will be slower. For example, at the bank, because some documents are missing, the person who wants to borrow must fill them out again. If that's the case, it will probably take half a month to a month. If the bank loan limit exceeds and the bank is unwilling to lend, it will be even slower.

The above is the answer to when to apply for a loan to buy a house. Generally, the loan can be disbursed within a week after all the procedures are completed. I hope the above content will be helpful to you.