You can apply to the local bank yourself. Actually, it is very convenient now. The process is usually as follows:
(l) loan application; The borrower fills in the Application Form for Personal Housing Loan to the loan bank, and submits the following materials: ① Borrower's identity and household registration (married couples need ID card, marriage certificate and household registration book);
(2) Intention contract or other documents for purchasing houses;
(3) The borrower's family income certificate issued by the borrower (monthly income certificate, monthly income is more than twice, circulating) is economically stable; Other certificates required by the lending bank.
(The second-hand house needs to provide the property of several people and their spouses with ID cards, the seller's real estate license and a copy of the marriage certificate)
(2) review the lending bank; Reviewed the borrower's loan application and various other supporting materials of bank loan, issued a qualified loan commitment letter and signed a loan mortgage contract.
(3) Bank loan, you will buy a house market evaluation, and now the minimum down payment for buying a house is 20% of the evaluation value.
(4) The house purchase contract signed by the borrower and the borrower; The borrower and the bank signed a house purchase contract and a commitment letter for people's housing loan, and invited the house owner to sign a real estate custody contract.
(5) The borrower's mortgage insurance house; Who buys the contract, the borrower of the housing insurance designated by the lender's housing mortgage insurance institution. At present, banks generally do not have compulsory insurance, and the principle is voluntary. Is there a compulsory loan notarization now?
(6) Personal loan mortgage contract signed by the borrower and the bank; Who signed the Personal Housing Mortgage Contract (based on the second-hand housing demand assessment report and new real estate license), mortgage contract and custody contract with the house buyer, and registered with the real estate management authority within 30 days.
(7) Loan bank transfer; Lenders transfer loans in the way agreed in the house purchase contract, including housing and bank loans in people's deposit accounts.
(8) Term of the loan; It is your age plus the loan period for people under 65 and women under 60. Now the minimum down payment is 20%, the house price can be completed, and the bank interest rate is 30%, 4. 16%. At present, the difference between the interest rate of 30% off provident fund loans and commercial loans is similar to the trouble of ordinary commercial loans.