New house process: down payment-signing commercial house sales contract-going to the bank to apply for a loan and signing loan agreement documents-the developer issues a guarantee contract to the bank-the bank approves the loan-the house price is paid to the developer-the buyer pays the mortgage on a monthly basis-the bank handles mortgage registration. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises, usually short-term loans, usually for 9 months, with a maximum of 1 year, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment. No fines will be charged.

1. Submit loan information. Generally speaking, developers will have one or more designated cooperative loan banks, and buyers can choose one of them to handle housing loans. Bring the required materials and give them to the bank staff; Loan qualification examination, the bank examines the lender's loan qualification, including the authenticity of personal information, age, personal credit record, income, etc. Among them, in terms of the age of applicants, many banks over 65 no longer accept loan applications.

2. In the personal credit record, the bank refused to lend for three to six times overdue, and the individual refused to lend for two or more banks in Hangzhou. The income needs to reach twice the monthly payment of the loan application, and it is required to cover all liabilities under the personal name, including car loans. Generally, banks will require applicants to provide details of bank flow in the past six months to prove their income ability. After receiving the loan applicant's materials, the bank will review the loan applicant. General commercial loans take 7- 10 working days (the specific review time is subject to each bank).

3. Sign a loan contract. After the bank is approved, it will sign a formal loan contract with the applicant. In practice, the applicant will sign the loan contract when submitting the materials, but the bank will only stamp the contract after approval; Loan issuance: After the bank completes the loan process, it directly issues loans to developers, and the applicant needs to repay the bank every month. It should be noted that if the applicant purchases an auction house, the bank will issue the loan only after the auction house is capped.

What is the loan process for buying a house?

Buying a house by loan is the most common in today's society. Compared with high housing prices, it is not so easy to buy a house in full. Buying a house with a loan can reduce the pressure on buyers. So, do you know the process of buying a house and getting a loan? How long does it take to buy a house and get a loan? Now let's have a look.

First, the purchase loan process

1, choose the house you want to buy; 2. Submit the housing loan application and related materials to the bank; 3. Bank audit materials; 4. After the approval of the bank, sign a house purchase contract with the developer; 5. Sign a housing loan contract with the bank; 6. The Housing Authority shall record the loan situation; 7. The bank will give the loan to the developer, and the buyers will start to pay back the monthly payment.

Second, how long does it take to buy a house and get a loan?

1. When buying a new house, you need to apply for a loan. Since there will be a pre-sale certificate for the real estate at this time, buyers only need to apply directly to the bank. Bank staff will review the information of buyers and inquire about the credit information of buyers. As long as there is no problem, they will reply to the buyer in about 3 days. At this time, buyers can submit ID cards, proof of income, down payment vouchers and purchase contracts.

2. After the lender submits all the materials, the bank conducts internal examination and approval, and goes through the mortgage formalities with the Housing Authority. It usually takes about 65,438+00 working days here. After other warrants are issued, the developer will be given money within 3 working days.

3. It should be noted here that if you apply for a commercial loan, it will take about 15 ~ 30 days from the date when the materials are submitted to the date when the bank issues the loan. If the provident fund loan is used, there will be more institutions involved and the audit process will be more troublesome, so the time will be longer, about 30 to 60 days.

Regarding the process of buying a house and lending, how long it takes to buy a house and lending, I will introduce it here first. Are you clear? It's best to have a certain understanding of the loan process, otherwise you will spend more time on it because you don't know the loan process.

What is the process of buying a house loan?

Need to sign a house purchase agreement with the developer. In addition, fill in the application form for individual housing loan and provide the information needed by the bank. Then the bank will review the information provided by the buyer; After passing the test, the buyer signs a loan contract, mortgage contract and guarantee contract with the bank; Then go through the formalities of real estate mortgage registration, insurance and notarization. Handle loan entry and transfer. Finally, go to the development company to handle the relevant transfer procedures.

The individual housing loan will be repaid from the month after the loan. There are two repayment methods, one is equal repayment of principal and interest with fixed monthly principal and interest, and the other is equal repayment of principal with constant monthly principal. Banks often use equal principal and interest to repay. Because in this way, within the same loan period, the monthly repayment is fixed, and the repayment pressure is small.

Extended data:

Precautions:

Prepare loan materials in advance: copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, copy of education certificate, copy of income certificate and bank account, copy of house purchase contract and down payment invoice, and relevant social security certificates. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.

At present, there are two main repayment methods for bank loans to buy a house, namely equal principal and interest and average principal. Although there is little interest in the average capital, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.