Not everyone can apply for a bank loan. Now I want to buy a house with a bank loan, and 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, good credit, and the ability to repay the principal and interest of the loan; Most banks will also require applicants to have applied for their own credit cards or borrowed money from their own banks, and have a good credit record; At the same time, the bank also requires the provision of work mortgage or pledge recognized by the bank.

2. Submit a loan application

Property buyers can apply for bank loans after determining that they meet the loan conditions of banks. If you buy 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 the mortgage contract

If looking for a bank loan to buy a house, buyers also need 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 the purchase contract, down payment certificate 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.

Usually, 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 to repay the buyer. 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.