Housing loan process
Understand the loan conditions, and after deciding to buy a house with a loan, you should first check with a number of banks to understand the loan conditions.
(2) After selecting the property and confirming that it meets the bank loan conditions, the buyers can start to choose the house.
③ Pay the house purchase deposit. When paying the house purchase deposit, it should be noted that once the house purchase deposit is paid, it will be binding on both parties. The house purchase deposit should not be regarded as an oral agreement, but a deposit agreement must be signed.
④ Sign the contract and pay the down payment. After paying the down payment, the buyer can prepare the down payment first. Property buyers should pay attention to the contents of the contract when signing the purchase contract.
⑤ Submit the loan application, and handle the loan formalities after the buyer and seller sign the house purchase contract. Property buyers must submit some corresponding materials when applying for loans. After the loan application is approved, the bank will notify the borrower to sign the loan contract. The borrower needs to open an account in a bank, obtain a debit card and sign a loan contract after the loan application is approved.