As house prices are getting higher and higher, it is already the limit to pay down payment when buying a house, so many people choose bank loans. In fact, the interest rate of bank loans is low, and many people who have the ability to buy a house in full will also consider applying for bank loans. How do you borrow a mortgage? You need to apply for a mortgage loan from the bank and use the property you just bought as collateral. If it is a first-hand house, it is generally simple for developers to apply for loans collectively. The specific steps are as follows:

Determine whether you are qualified to buy a house. If you are not qualified to buy a house, you don't have to consider how to borrow a mortgage for the time being. First determine the conditions for buying a house in your city, such as social security years, hukou, education and so on. If you meet the requirements, congratulations you can go to buy a house; Determine the way of your own housing loan. There are three ways of housing loans: bank commercial loans, provident fund loans and portfolio loans. The interest rate of provident fund loans is low and the interest rate of commercial loans is high. If the provident fund is not enough, you can choose a combination of provident fund and commercial loans. Application materials. The borrower's identity card and household registration book; Marital status; If you are married, you need to provide your spouse's valid ID card, marriage certificate and household registration book; Proof of income (6-month bank flow or local tax payment certificate); Real estate license; Guarantor, etc. This step is also an important step in how to mortgage loans; Apply for a loan. Choose a good house and pay the down payment. Generally, bank staff will handle the loan on the spot, bring all the information and choose the right bank to go through the formalities. Next, you need to wait for the bank to inform you whether you can apply for a bank loan. If it is a second-hand house, how is the mortgage borrowed?

Buyers and sellers bring all the information, go to the bank to submit an application form for personal second-hand housing, and then the oil service personnel make a preliminary evaluation. Then the real estate appraisal agency designated by the bank will go to the house inspection and evaluation; In addition to how to borrow a mortgage, you need to pay attention to other possible expenses, such as evaluation fees and late insurance premiums. The first item basically completed 60% of the procedures for how to borrow a mortgage; After the appraisal is completed, the bank will receive the appraisal report issued by the appraisal institution, and determine the amount and term of the lender according to the appraisal institution; After the approval of the bank is completed, the buyers and sellers and the bank staff go to the real estate exchange to handle the transfer of house property rights with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials. After the transfer is completed and the real estate license is obtained, the bank will start lending. The above is the knowledge of how to borrow a mortgage. If you buy your own house, don't worry too much about how to borrow a mortgage. Consult the property consultant more, there will be a rough timetable, so don't be too nervous.

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