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What are the procedures for buying a house loan?
For young people, buying a house loan is the most practical and least stressful form of buying a house, but buying a house loan must go through certain procedures to get a loan. So what are the procedures for buying a house loan? Let's take a look with Bian Xiao!

What are the procedures for buying a house loan?

1. Sign a house purchase contract with the developer.

It depends on whether the developer has five certificates, such as state-owned land use permit, construction land planning permit, housing construction permit, commercial housing sales (pre-sale) permit and construction project planning permit, before signing a house purchase contract.

Step 2 pay a down payment

Property buyers should pay a down payment, but pay attention to keep the receipt after payment.

3. Submit a loan application to the bank.

Property buyers bring down payment receipts, commercial housing sales contracts, ID cards, household registration books, income certificates and other materials to the bank to submit loan applications, and submit the Personal Housing Loan Application Form.

4. Banks review mortgage applications.

Bank staff will examine and approve the materials step by step, and sign individual housing mortgage loan contracts if they meet the loan conditions, but the contract period cannot exceed 30 years.

5. Apply to the Housing Authority for real estate mortgage.

Go to the Housing Authority for mortgage notarization, and then go to the insurance company for home insurance.

Step 6 open an account

Property buyers sign a deduction agreement with banks, and open special repayment accounts and credit card accounts at designated business outlets.

7. Withdraw the loan

After the loan is approved, according to the contract, the bank will transfer the loan amount to the account opened by the borrower in one lump sum or by stages within a certain period of time.

8. Repay as agreed

The borrower must repay the loan in the way agreed in the contract, otherwise the bank can take back the house.

9. Repay the loan.

After the loan principal and interest are settled, the mortgage registration is cancelled and the buyer becomes the owner of the house.

Abstract: Well, the knowledge about the process of housing loan ends here. If you need to know a lot of information, please continue to pay attention to Qijia. We will provide you with better and more exciting content in the future.