Buying a house with a loan has now become the first choice for many people to buy a house. Some people don't know much about the loan to buy a house, and don't know what its process is. They should apply for a loan to buy a house. Next, Bian Xiao will briefly introduce it to you.

1, to apply for a housing loan, you need to consult the relevant lending bank, what are the requirements and what materials need to be prepared. For example, stable work and income, good personal credit and so on. Make sure that you meet the requirements of bank housing loans, and prepare household registration books, bank running water, salary certificates and other related materials in advance.

2. After we choose a house, we sign a house purchase contract with the developer and pay a certain down payment. Buying a house requires the developer to issue a down payment certificate. After the registration of commercial housing sales contracts, buyers can apply for housing mortgage loans at the bank with the purchase contract, down payment and other related information. After the approval of the bank, we need to sign a loan contract, mortgage contract and guarantee contract with the bank. We can also apply for a housing mortgage loan first, and then sign a house purchase contract with the developer after the bank has approved it.

3. Then we took the mortgage loan contract and the purchase contract to the Housing Authority for mortgage registration, and opened a special repayment account in the loan bank. The bank will issue loans according to the contract. Buyers need to repay on time. After we pay off all the bank loans, we can take the bank's cancellation form and other materials to the Housing Authority to cancel the mortgage and get the real estate license. If you are looking for a company to handle the guarantee, you need to go through the formalities of canceling the guarantee and get back the deposit.

Abstract: Bian Xiao, Bian Xiao here tells how individuals can borrow money to buy a house. I hope that after reading this article, I can provide you with reference. Before applying for a loan to buy a house, you can ask the developer if there is a cooperative bank. Generally, banks that cooperate with developers have certain preferential activities.

What procedures do you need to borrow money to buy a house in the name of the company?

This requires the company's business license and legal representative, because the house you buy is the company's fixed assets. It's a little more troublesome than buying a house. Loans are generally used by companies as commercial loans, unlike individuals buying houses. To buy a house in the name of the company, the information that the purchaser needs to prepare: 1, a copy of the business license; 2. A copy of the tax registration certificate; 3. A copy of the organization code; 4. Official seal of the company; 5. ID card of the legal representative; 6. The agent's ID card; 7. Power of attorney. If the loan is a mortgage, the lender must be the property owner, that is, your name must be on the property certificate. To buy a house in the name of a company, you need to prepare materials:

1, business license 2, resolution of the board of directors 3, legal person identity certificate 4, articles of association. 5. Personal ID card 6, ID card 7, household registration book 8, income certificate 9, one-child certificate or marriage certificate 10, guarantor's income certificate 1 1, loan bank passbook 12, personal loan application form.

Get these materials ready and go to the local bank.

I hope my answer can help you, thank you. Borrowers who buy houses in the name of the company are required to provide materials (copy on A4 paper).

1. Original and photocopy of ID cards of both parties: 7 for the borrower and 2 for the spouse;

2 original and two copies of the household registration book (home page, home page and personal page).

3.( 1) The original and two copies of the marriage certificate (photo page and content page).

(2) provide the original and two copies of the unmarried single certificate (issued by the civil affairs department in the area where the household registration is located)

(3) Two originals and copies of divorce certificate and single certificate;

4. Original and photocopy of income certificates of both parties 1 copy.

Note: Private enterprises are required to provide two copies of their business licenses (they must pass the annual inspection in that year).

Two copies of the tax payment certificate for the last three months;

Other sources of income and easily realized property (rent, deposits, bonds, securities, real estate, cars, etc.). ) can also be provided.

5. The original and two copies of the down payment invoice.

III. Materials provided by the Employer

1 3 ordinary house purchase contract;

2.3 Pre-sale permit;

3 copies of the house number approval form;

4. 1 copy of business license of enterprise as a legal person;

5. Filing 1 contract;

IV. Signature and fingerprint of the customer

1, 1 dialogue notes

2. Two loan applications.

3. Income certificate (both parties) 1 copy.

4. Six loan contracts.

5.4 mortgage forms

6. Two statements.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

How to buy a house with a personal commercial loan?

If you need to apply for a personal first-hand housing loan, you must meet the following conditions:

1. Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details);

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Must pay the down payment of the purchased house that meets the requirements of relevant regulations;

5. Provide effective guarantee recognized by the lender, etc.

To apply for a personal first-hand housing loan, you need to submit the following information:

1, loan application;

2. Legal and valid identity documents;

3. Proof of marital status;

4. Proof that the down payment of the purchased house has been paid;

5. Proof of economic income recognized by the lender;

6, the purchase of housing contracts, agreements or other valid documents;

7. List of collateral (pledge) secured by the loan, certificate of ownership, certificate of consent of the person who has the right to dispose of the collateral (pledge) and collateral valuation documents;

8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him;

9. Authorize the lender to inquire about the personal credit information system of the People's Bank of China and record the relevant documents of the inquiry results.

As there are differences in policies and requirements for handling loans in different regions, please consult the local China Bank outlets in detail.

The above contents are for your reference. Please refer to the actual business regulations.

Individual companies have loans. Hangzhou can borrow money to buy a house.

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Hangzhou housing loan conditions:

One: Have permanent residence in cities and towns or valid residence status.

Two: have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on time.

Three. The borrower can provide relevant assets recognized by the bank as collateral and guarantee.

Four: has signed a real estate sales contract or agreement with the developer;

Five: No bad credit record.

When the borrower terminates or terminates the labor relationship with the employer, there is no record of overdue repayment, and the housing accumulation fund has been paid continuously for more than 6 months (including 6 months) on schedule, and the lender has good credit, and the corresponding assets are used as collateral or pledge, or the unit with sufficient compensatory ability is used as the guarantor;

Let's stop here for the introduction of personal business loans to buy a house.