How to apply for a house loan?
The procedures of commercial housing loans are mainly embodied in Article 6 of the Measures for the Administration of Individual Housing Loans. From the point of view of physical operation, there are mainly the following steps:
1, the buyer signs a house purchase contract with the developer and pays a down payment of not less than 20%;
2. Applicants with mortgage loan conditions apply to relevant financial institutions and provide true personal data. I would like to remind you that when buying an auction house, the financial institutions are mainly branches or business departments of commercial banks. Applicants have no possibility to choose financial institutions, and generally have to apply to financial institutions with specific business relationships with sellers;
3. The financial institution handling the loan shall examine the loan conditions of the applicant and decide whether to mortgage the legal house;
4. The borrower who borrows money to buy a house signs a mortgage loan contract with the lender. If the borrower chooses to pay by automatic transfer, he shall open a repayment account in the bank and apply for a savings card;
5. The lender accepts the entrustment of the borrower and transfers the mortgage loan to the developer's account according to its instructions.
What should I pay attention to when buying a house loan?
1, the loan amount and loan term should be clearly planned.
The loan amount and loan period should be clearly planned. When choosing the loan amount, we should plan the loan amount and loan period according to our own economic situation and income. Don't try to borrow as much as possible, and extend the repayment time as much as possible.
2. Provide true and reliable loan information when applying for a loan.
When applying for a loan, you need to provide true and reliable loan information, and the bank will ask the borrower to provide all kinds of information. However, some property buyers will forge and provide false information in the case of incomplete information, and there is a great risk of fraud when applying for loans. Once discovered by the bank, not only will the loan application fail this time, but it will also be blacklisted by the bank, and it will be difficult to apply for a credit card in the future.
3. Remember to pay back on time.
Also remember to repay the loan on time. After the loan is processed, you must remember to repay it on time. Many people apply for provident fund loans. Lenders should not only pay attention to transfer money to the repayment account on time and at a fixed amount, but also pay attention to whether the work unit helps you pay the provident fund in time. Otherwise, there may be a registration of late repayment, thus leaving a bad credit record for credit investigation.
4. Don't repay the loan less than one year in advance.
Generally speaking, you should not repay the loan in advance for less than one year. Loan to buy a house, there was not enough money at that time. However, some property buyers will choose to repay the loan at a certain time in advance to reduce the economic pressure and shorten the loan period, thus reducing the interest paid. However, if the prepayment is less than one year, the bank will charge liquidated damages, which will not only save money, but even waste money.