Step 1: Prepare the house.

Buying a house should be based on its own financial strength, repayment ability and other factors, according to the needs of work and life, to determine the location, area, price, floor and orientation of the house.

The second step: the choice of houses.

This stage is the follow-up preparatory work, which can be inquired through newspapers, television, internet and related real estate websites, and comprehensively inspect the detailed information of the house by combining the advantages of the three media.

Stage III: On-site inspection

Choosing a house is a technical job. Before choosing a house, you need to have a certain understanding of the basic knowledge such as floor area ratio, green space ratio, pool area and apartment type.

If you buy an existing house, you can directly see the structure and apartment type of the house. If you buy an auction house, you can only choose according to the apartment type map. At this point, buyers must learn how to understand the housing situation.

Generally speaking, when choosing a house, we should consider whether to buy it from six aspects. Including location, price, surrounding municipal planning, environmental support, housing structure and orientation, property management and so on.

Part IV: Signing a sales contract.

After the goal is established, the next step is to negotiate with the developer and conduct actual communication. In the process of buying a house, both buyers and sellers should be clear about their rights and obligations, especially the housing area, payment method and property status.

Step 5: Apply for a loan.

Second-hand houses can apply for commercial loans. Comprehensive consideration of loan amount, loan term and other factors, combined with their own economic situation and the purchase of housing. With the help of the agency, complete the relevant application according to the relevant regulations of the bank.

Step 6: Transfer the ownership of the house.

The original seller's name will be replaced by the buyer's new name. Relevant materials need to be prepared under the guidance of the intermediary company, and the staff of the warrants will help with the transfer of property rights.

Step 7: Check the house and register.

When handling the house inspection, all expenses of the house must be settled, such as water, electricity, gas, cable TV, heating, property fees, etc.

The above is the complete content about how to buy a house by loan, and all the procedures for buying a house by loan are here. I hope this article can give you some help.