Process of handling mortgage to buy a house loan:

1, select real estate;

2. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

3. Apply for mortgage loan;

4. Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will issue a loan consent notice or a mortgage loan commitment letter;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks;

8. Open a special repayment account;

9. After handling the relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time as the purchase price of the property buyer;

10. The borrower repays the loan regularly according to the contract.

There are two procedures for applying for a loan to buy a house. One is the commercial loan purchase procedure, and the other is the provident fund loan purchase procedure.

Commercial loan purchase procedures include:

(1) The borrower shall fill in the Application Form for Personal Housing Loan of XX Bank and provide relevant information. Information includes: resident identity card or other valid documents; Proof of the borrower's economic income or solvency; A contract or agreement to buy a house, etc. The relevant information provided by the borrower to the bank must have the original and three copies. (2) The lending bank reviews and evaluates the authenticity, legality and feasibility of all documents and materials submitted by the borrower, and gives the applicant a reply within the specified working days (the number of working days for reply varies from bank to bank).

(3) After the lender agrees to the loan, the borrower and the borrower sign a loan contract, and at the same time go through the guarantee procedures such as pledge contract, mortgage contract or guarantee contract according to the loan guarantee method.

(4) After the loan contract is signed, the lender must go through other procedures such as insurance, mortgage registration and contract notarization in accordance with national laws and regulations and relevant bank regulations.

(5) The borrower and the borrower determine the loan amount and term according to the loan contract. The maximum amount of commercial loans for individual housing shall not exceed 70% of the value of the purchased housing, and the longest loan period shall not exceed 30 years. (six) after the approval of the bank, the loan will be issued. When the borrower opens an account in this bank, he pays the down payment (generally 30%) for the house purchase, and the house purchase price is 0.3005 yuan.