What steps should a bank loan take to buy a house?
1. Asking about loan eligibility: Not everyone can apply for a bank loan. Now applying for a bank loan to buy a house, the bank's requirements are getting stricter and stricter. To apply for a bank loan, you must be a natural person with full capacity for civil conduct, have a stable occupation and income, have a good credit, and have the ability to repay the principal and interest of the loan. Most banks also require applicants to apply for bank credit cards or loans from banks with good credit records, and banks also require bank approval.
2. Submit a loan application: After the buyer determines that he meets the loan conditions of the bank, he can start to apply for a bank loan. If he buys a new house, there are cooperative banks in the sales offices of general projects, so buyers can save the steps of finding a bank. Therefore, after determining the housing, consult the relevant banks, learn about the relevant provisions of mortgage loans from the banks, prepare the documents required by the banks, fill out the mortgage loan application form and submit it to the banks for review.
3. Bank audit: After the buyers submit the loan application and related materials, they can wait for the bank's audit results. The correct order should be first through the bank's "application for mortgage loan", and then sign a purchase contract with the developer. Because after the buyer submits the application, the bank will review the buyer's credit status and repayment ability. If the audit is unqualified and the bank refuses to issue loans, the buyers will find another way. It is likely that most people can't find the source of funds and eventually have to give up buying a house.
4. Sign a mortgage contract: If you want to find a bank loan to buy a house, the buyer also needs to sign a mortgage loan contract with the bank. After signing the purchase contract, the whole process is halfway through. Next, buyers need to sign mortgage loan contracts with developers and banks with purchase contracts, down payment certificates and related legal documents. The contract will clearly stipulate the loan amount, loan term, repayment method and related rights and obligations.
5. Open a special repayment account to start repayment: Under normal circumstances, if the loan application submitted by the buyer is passed and a mortgage contract is signed, the loan bank will re-open a bank card for the buyer to repay. In addition, buyers should also note that after the Housing Authority successfully files a case, the bank will designate a financial institution for the buyers in accordance with the contract and authorize the opening of a special repayment account. The authorized agency will deduct the monthly payment from the buyer's bank account every month.