There are three ways to buy a house by loan:

Housing provident fund loan. Personal housing commercial loan. Personal housing portfolio loan.

First, housing provident fund loans.

Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees.

The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.

The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.

Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.

The second is personal housing commercial loans.

Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing, and it is a self-operated loan issued by the bank with its credit funds.

Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral. Mortgage loan is a kind of commercial loan.

The above two loan methods are limited to employees who pay housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans.

As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan.

Matters needing attention in applying for personal housing commercial loans:

1. Make a comprehensive evaluation of the existing economic strength of the family, so as to determine the down payment and loan ratio. Generally speaking, the loan amount approved by the bank is less than or equal to the loan amount applied for, so as to avoid the default of the house sales contract caused by insufficient loan amount.

2. Make reasonable expectations for the family's future income and expenditure. Carefully formulate loan and repayment plans. If your expected income is risky and your expected expenditure is large, it will weaken your repayment ability and thus affect your repayment credit.

3. Budget solvency. The repayment ability is an important basis for determining the loan amount, and its calculation method is: the average monthly household income MINUS the average monthly household expenditure, and the possible changes in income and expenditure should be considered in the calculation.

4. Budget the maximum allowable loan amount. The loan amount with the same monthly repayment ability is the maximum tolerable loan amount.

5. The down payment principle is loose. Don't use up all the cash on hand in the down payment, leaving funds for the expenses of decoration, configuration, repayment, investment and entrepreneurship.

6. Evaluate the loan qualification of the house you bought. If the house is too old, the loan ratio may not meet your requirements, and some housing banks do not lend, such as auction houses. So as not to affect your house purchase plan due to the inability to borrow money or insufficient loan amount, or even default due to the inability to pay the seller's house price due to the loan.

Third, individual housing portfolio loans.

Personal housing portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. When handling personal housing commercial loan, he can also apply for personal housing provident fund loan. The borrower can use the purchased urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and apply for personal housing provident fund loan and personal housing commercial loan from the bank at the same time.

With the deepening of the reform of the housing system, the awareness of personal housing loans of banks is also increasing. The combined personal housing guarantee loan, which consists of housing provident fund loan and commercial loan, has become the need to establish a good housing finance system and realize the development of housing finance in China with equal emphasis on policy and commerce.

The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans together are called portfolio loans.

This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

Relatively speaking, personal housing entrusted loans (provident fund loans) have the highest cost performance, and personal housing loans (commercial loans) have the heaviest interest burden.

An applicant for a house purchase loan shall meet the following conditions:

1, at least 18 years old, with full capacity for civil conduct and legal and valid identification.

2 have a stable income and the ability to repay the principal and interest of the loan on time.

3. Agree to use the purchased property as collateral.

4. Signed a real estate sales contract with the developer.

How to borrow money to buy a house?

Individuals buy a house, almost everyone can't escape the loan, but what are the procedures for individual housing loans? How to apply for a personal loan and what information do you need to apply for a personal housing loan? The following small series collects some procedures about personal housing loans, hoping to help you! The first step of commercial loan: there are three specific things to register for tax payment. Property buyers and developers sign pre-sale contracts and sales contracts; Buyers pay the down payment according to the specific requirements of the developer; Property buyers and developers each pay stamp duty at the rate of 0.5% of the house price. The second step of commercial loan: the pre-sale registration step is generally handled by the developer. The third step of commercial loan: after submitting the application to the on-site lawyer of the law firm designated by the bank, it begins to enter the substantive loan stage. When submitting the application, the buyer must provide the following information: 1. Id card (original and copy) 2. Household register (original and copy) 3. Temporary residence permit (only for foreign buyers, 3 originals and copies) 4. Marriage certificate (original and 3 copies) 5. Academic certificate (3 originals and 3 copies) 6. Copy of business license of legal person or private enterprise (original or copy with official seal) 7. Professional income and proof of income (3 originals and photocopies) 8. Beijing Domestic Commodity House Pre-sale Contract (Sales Contract) (original and photocopy) 10. Notice of approval for individuals from other provinces and cities to purchase houses in Beijing (3 originals and photocopies are required for purchases from other provinces and cities) shall be stated, and the applicant shall also provide the above information when there is an applicant. The fourth step of commercial loan: fill in the application materials. The loan lawyer will assist the buyers to fill in the application materials. The information specifically includes: 1. Application form for individual housing loan in quintuplicate. 2 individual housing loan contract description. 3. Receiving the contract for the ownership certificate of the loan house. 4. Power of attorney. 5. Commitment letter. 6. Dialogue record. 1. After completing the first four items, the developer must also require the buyers to pay 0.3% of the loan amount. The fifth step of commercial loan: the lawyer reviews the information and transfers it to the bank for commercial loan. Step 6: After signing the loan-related contract, the bank will review the lender's credit, loan amount and loan term. Signed a series of contract documents with the Lenders Association: 1. Individual housing loan contract in quintuplicate. China Pacific Insurance Company Personal Housing Insurance Application Form 1 in triplicate. Transfer Certificate of Personal Housing Guarantee Loan 1 copy 4. Stamp card 1 5 copies. Electronic money card application form. 65,438+0 deposit receipts. It should be noted that when signing the insurance policy, the house property insurance premium, the cost of repayment card (3 yuan) and the deposit of repayment card (10 yuan) should be paid, and all documents should be signed by the insured himself. If there are * * * applicants, all applicants should be present to sign. The seventh step of commercial loan: the loan applicant repays the loan every month.

How to borrow money to buy a house

At present, there are mainly the following types of housing loans: 1, housing provident fund loans; 2. Personal housing commercial loans; 3. Individual housing portfolio loans. 1. Housing provident fund loan: For residents who have already paid the housing provident fund, low-interest housing provident fund loans should be the first choice when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half. 2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the principal and interest of the loan and bear joint liability, then you can apply for using the bank mortgage loan. 3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose.

How to borrow money to buy a house is the most cost-effective?

① Reduce the down payment: Every city has a minimum down payment requirement for buying a house with a loan. When applying for a mortgage, buyers can choose to pay the down payment according to the minimum down payment ratio.

② Pay attention to loan methods: There are several ways to buy a house by loan, and different loan methods generate different interests, such as provident fund loans, commercial loans and portfolio loans. Although most people use commercial loans now, the interest rate of provident fund loans is actually lower than that of commercial loans, which can save more loan costs.

③ Pay attention to the loan term: When making mortgage, buyers should pay attention to choosing the loan term. If the buyers do not consider their own emergencies when choosing the loan term, the shorter the loan term, the lower the cost of buying a house with a loan.

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1, how to calculate the interest on the loan to buy a house?

① The calculation principle of the equal principal and interest formula: the bank first charges the interest on the remaining principal, and then charges the principal from the monthly contribution; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.

② Calculation formula of average fund monthly repayment amount = monthly principal monthly principal = principal/repayment monthly principal and interest = (principal-accumulated repayment amount) x monthly interest rate 1, and matching principal and interest method: calculation formula: monthly repayment amount = monthly interest rate of principal [(1) n/[(kloc-0/) n-where n represents the number of loan months.

Housing loan process

The housing loan process is as follows:

1, the borrower signs a house purchase contract with the developer and pays the down payment.

2. The borrower applies for a loan and submits the loan information.

3. The bank accepts the investigation, acceptance and approval.

4. The bank signs a loan contract with the borrower.

5. Go through the formalities of notarization insurance.

6. Banks issue loans.

The required information is:

1, housing loan requires the borrower's personal housing loan application; A copy of the borrower's ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence certificates or other identity documents) shall be provided for housing loans; Housing loans must be approved by the handling bank, the borrower's stable income certificate issued by the relevant departments, or other proof of solvency.

2 housing loans need to be legally purchased housing contracts, agreements and related approval documents; List of rights and ownership certificates of mortgage or pledge required for mortgage loan, certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and mortgage evaluation report issued by an evaluation agency recognized by the loan bank; Buying a house loan requires the guarantor to provide a written promise of guarantee and the guarantor's credit certificate.

How to borrow money to buy a house?

(1) loan terms:

1, a natural person who has reached the age of 18 and has full capacity for civil conduct;

2. When the loan expires, the man is not over 60 years old and the woman is not over 55 years old;

3. Have a stable and legal occupation and income source, and have the ability to repay the principal and interest.

(2) Percentage of loans

1, the housing loan generally does not exceed 70% of the total price of the house purchase contract, and the maximum does not exceed 80% of the total price of the house purchase contract;

2. Commercial housing loans shall not exceed 50% of the total contract price;

(III) Method of repayment

1. Equal principal and interest repayment method: the borrower repays the loan principal and interest in equal amount every month;

2. Average capital repayment method (decreasing): the borrower repays the principal in equal amount every month, and the loan interest decreases with the principal month by month;

Second, the required materials

(1) Materials required by the borrower (copied 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. Note: The private sector shall provide 2 copies of the business license (which must pass the annual inspection in the current year) and 2 copies of the tax payment certificate in 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.

(2) 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;

(3) Customer's signature and fingerprint

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.

(four) the loan contract sealed by the developer in six copies.

(five) submit the materials provided by the bank (copy on A4 paper)

1, 1 ordinary house purchase contract;

2. 1 transcript of conversation; (optional)

3. 1 loan application;

4. Copies of ID cards of both parties: borrower 1 and spouse1;

5. 1 household register (home page, household home page, personal page)

6.( 1) Copy of marriage certificate 1 copy (photo page, content page)

(2) Unmarried, provide 1 original single certificate (issued by the civil affairs department in the area where the household registration is located) and 1 single statement.

(3) Divorce should provide the original single certificate 1 copy, divorce certificate 1 copy, and single statement 1 copy.

7. Original and photocopy of income certificates of both parties 65,438+0. Note: Private enterprises provide business license 1 copy (annual inspection is required in the current year) and tax payment certificate for the last three months 1 copy; You can also provide 1 copy of other income sources and easily realized property (rent, deposits, bonds, securities, real estate, cars, etc. ).

8. Copy of down payment invoice 1 copy.

9. 1 Pre-sale permit;

10, number approval form 1 copy;

1 1, 1 copy of business license of enterprise as a legal person;

To sum up, as for how to borrow money to buy a house, as long as the buyer and the developer sign a house purchase contract, the buyer can go to the bank with the house purchase contract and the materials to be prepared by the developer.