The mortgage loan process for buying a house is mainly as follows:
The first step: choose a house from the real estate developer, sign the purchase agreement and pay the down payment.
Step 2: Go to the designated bank to apply for a loan, take the application form from the counter and fill it out. Then, give the completed form to the staff together with the down payment information, ID card, household registration book, financial proof (such as bank account and payroll).
Step 3: The bank conducts the audit according to the information provided by the customer, and the appraisal institution evaluates the value of the house.
Step 4: The bank approves the loan amount and informs the customer at the same time.
Step 5: The customer will sign the loan contract at the outlet within the agreed time, and handle the mortgage and other related procedures.
Step 6: Bank loan. Generally, the money will be transferred to the bank card under the customer's name first, and then transferred to the account designated by the real estate developer by the system immediately after the account is received. Customers can use the funds after receiving them, and then remember to repay the mortgage in installments on time according to the agreed repayment plan.
Matters needing attention in housing loan
1, apply for a mortgage and do what you can.
Some people think that the bigger the loan amount, the better, but this is not the case! Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.
2. Prepare loan information 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, copy of bank account, purchase contract, down payment invoice, social security related certificates, etc.
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.
What is the mortgage to buy a house process?
At present, the life pressure of young people is still relatively large. They want to buy a house and repay the loan, but that's life. Everyone's life is not easy. And many people have mortgages or want to buy a house. What are the processes in mortgage to buy a house?
1. What is the process in mortgage to buy a house?
1, first of all, we need to prepare the down payment or the down payment for buying a house, then we need to look at the house and choose a house to make sure that you are ready for the loan, and then we need to deal with the bank and go through the mortgage formalities. Provide loan information and application form, and submit it to the bank staff for review to determine whether you are qualified for the loan.
2. To be examined by the bank, the bank needs to determine your loan qualification and amount. No problem. After meeting the requirements, you can sign a house purchase contract.
3. Bring the purchase invoice and sign a loan contract with the bank, and choose the appropriate method according to your actual situation. You have to go to the Housing Authority to apply for other property warrants, and then open an account after receiving the loan notice from the bank, so you need to repay on time every month.
Second, the conditions of mortgage to buy a house
Not everyone can apply for a loan to buy a house. Personal conditions need to meet the following requirements.
1. First of all, you need to have a stable job with a fixed income every month, and the bank will also check your credit information. If your credit information has bad black spots, it will have a certain impact on your loan to buy a house.
2. It is also necessary to prepare a part of the down payment ratio, because the down payment for buying a house is uncertain now. In some cities, if you buy the first suite, the down payment ratio needs to reach 30%. If it is a second suite, the down payment ratio will reach 50% or 60%.
3. Buyers also need to sign a purchase contract with the company. When handling, they need to provide a series of materials, such as your identity document, proof of marital status, proof of income, etc. These materials are prepared by individuals and can only be signed after approval.
The above analysis is the relevant process of buying a house with a loan and what conditions need to be met. Usually, we must pay attention to our own credit information, and don't contaminate it, otherwise it will affect the house loan.
What is the mortgage to buy a house process?
Banking procedures in mortgage to buy a house:
1. First, please go to the bank for relevant information. And apply for personal housing loans with all relevant materials.
2. Then accept the bank's review of you and determine the loan amount.
3. Next, you can apply for a loan contract, and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
4. The last thing left is the bank loan. The borrower repays the loan every month and cancels the registration after paying off the principal and interest.
After the above procedures and formalities, you can get a new house through mortgage.
Loan target: China citizens with full capacity for civil conduct according to regulations, Hong Kong, Macao and Taiwan citizens with full capacity for civil conduct according to Chinese mainland regulations, and foreigners with full capacity for civil conduct according to Chinese mainland regulations.
If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
Extended data:
(1) Requirements of the borrower for housing loan
1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
(2) Information to be provided by mortgage to buy a house:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
(3) Materials to be provided by the borrower for mortgage purchase.
1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
(4) mortgage to buy a house's special situation.
Information for foreigners to buy a house:
Taiwan Province Provincial People-Mainland Travel Pass (Taiwan Compatriot Certificate), household registration vine (which can prove marital status), approval form for purchasing houses in Beijing, and mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration).
Hong Kong people-Hong Kong identity card, marriage certificate, mortgage notarized certificate (entrusted to handle the later house ownership certificate and mortgage registration)-Koreans-notarized translation of China passport, notarized translation of Chinese name, notarized translation of household registration book (which can prove marital status) and notarized mortgage notarized certificate (entrusted to handle the later house ownership certificate and mortgage registration).
Other nationalities-notarization of Chinese translation of passport, Chinese translation of name, Chinese translation of marriage certificate, notarization of mortgage (entrusted to handle the registration of house ownership and mortgage in the later period).
Baidu Encyclopedia-mortgage to buy a house