What should I pay attention to when signing a house loan?
1. Provide income flow and prove repayment ability.
With or without marriage experience, having a certain economic foundation and a stable source of income is a standard for banks to judge the repayment ability of home buyers' loans.
In order to ensure that the lender can repay the loan on time, the bank requires the lender's income to be more than twice the monthly income. If it is lower than this standard, the loan will be hindered to a certain extent. On the contrary, the higher the income, the more stable it is, the easier it is for the loan review application to be approved, and the higher the loan amount.
2. Provide marriage certificate and judge repayment ability.
The most important thing in bank face-to-face signing is always to evaluate the repayment ability of the lender. Therefore, judging marital status, providing marriage certificate and household registration book are important prerequisites for judging repayment ability for family-based house purchase behavior.
If you divorce, you need to provide a divorce certificate to determine whether the first suite or the second suite is to set the mortgage interest rate. If you have no marriage experience, this item can be exempted from inspection.
3. Provide credit report
Whether buying a house or other loans, you should check the credit information of the lender. If you are married, you need to check the credit information of both husband and wife. Therefore, whether buying a house or not, good credit information is an indispensable requirement of contemporary society.
At the same time, I also want to remind you, don't inquire about credit information casually. Be sure to ask carefully when you borrow money. After all, asking too many questions will have some bad effects.
4. Provide proof of stable employment.
For the bank's running water, the bank's requirement is to prove that it has been running for six consecutive months. Providing stable work certificates or labor contracts, and entrepreneurs providing company business licenses not only better prove the ability and level of lenders, but also provide a reassurance for banks to further judge and issue loans.
Lenders with these conditions will also be the most willing targets for banks to issue loans.
5. Provide housing information and confirm the loan amount.
After determining the repayment ability of the lender, the bank and the lender will talk about the loan amount and loan interest rate.
The loan interest rate is determined by the number of houses held by the lender, and the mortgage interest rate of the first suite and the second suite is different. If it is the first suite, you can bring the purchase contract. If it is the second suite, you need to bring the relevant certificate of the first suite.
The loan amount is determined by the lender's repayment ability and is also related to the loan term. Generally speaking, the longer the loan term, the larger the loan amount.
6. Explain the interview process
When all the above inquiries are confirmed, the contract can be signed next. After signing the contract, it takes a period of time for the bank to evaluate the house-review the information and qualifications of the lender-issue a loan approval letter-the developer and the buyer handle the transfer of house property rights-the buyer and the bank handle the mortgage procedures of house property rights-the bank issues loans, and the buyer begins to repay.
Legal basis:
Measures for the administration of commercial housing sales
Fourteenth real estate development enterprises, real estate intermediary service agencies to publish commercial housing sales advertising, should implement the "People's Republic of China (PRC) Advertising Law", "Interim Provisions on Real Estate Advertising" and other relevant provisions, the advertising content must be true, legal, scientific and accurate.
Fifteenth real estate development enterprises, real estate intermediary service agencies issued commercial housing sales advertisements and promotional materials clearly stated in the content, the parties should be agreed in the commercial housing sales contract.