Before buying a house, buyers should calculate the total price of the house, pay the down payment for their savings, and then calculate the amount of bank loans. The amount of loans that banks can give according to personal income is not bad, which requires buyers to choose suitable houses, and the down payment ratio of each house may be different.
2. Sign a house sales contract.
Signing a house sales contract is the most important link in the process of buying a house. Both buyers and sellers should put their rights and obligations into words, especially the key terms such as housing area, payment method and property status.
3. Submit a mortgage application.
Most real estate sales offices have cooperative banks present, so buyers can save the steps of finding banks. Therefore, after determining the housing, consult the relevant banks, learn about the relevant provisions of mortgage loans from the banks, prepare the documents required by the banks, fill out the mortgage loan application form and submit it to the banks for review.
4. Wait for the results of bank audit.
After the buyer submits the application, the bank will review the buyer's credit status and repayment ability. If the audit is unqualified and the bank refuses to issue loans, the buyers will find another way. It is likely that most people can't find the source of funds and eventually have to give up buying a house.
5. Sign a loan contract.
After the approval of the bank, it is to sign a loan contract with the bank, pay various fees, and handle mortgage and insurance. This step is time-consuming and the bank needs to review it. How long will it take? Every place and bank are different. Then the buyers need to wait for the notice to go to the bank for a face-to-face interview and wait for the bank to verify the materials. After verification, the bank will inform the buyers to take the materials to the Housing Authority for mortgage.
6. Waiting for a bank loan.
Some banks need customers to apply for loans again. After the loan is finished, remember to ask the bank for a loan contract and loan note of your own. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.
7, Housing Authority for the record.
Property buyers hold the "Housing Mortgage Loan Contract" and the purchase contract to the housing management department for mortgage registration. Generally speaking, it takes some time for the Housing Authority to put on record. Ask the local housing authority specifically. Only if the record is successful, the previously signed contract will be valid, and then the next mortgage registration and repayment can be carried out.
8. Open a special repayment account to start repayment.
After the successful filing of the Housing Authority, the bank will designate a financial institution for the buyers according to the contract and authorize the opening of a special repayment account. The authorized agency will deduct the monthly payment from the buyer's bank account every month.
9. Check the house.
Finally, buyers need to wait for the developer to inform them to close the house, and pay attention to the closing time. When inspecting the house, you should carefully check every detail of the house, or you can find a professional to inspect the house. Look up "three certificates, two books and one table" If the developer can't produce these documents, he can refuse to accept the house.
What should I pay attention to when buying a house with mortgage loan?
1. Apply for the loan amount according to your own ability.
When applying, the borrower should make a correct judgment on his current economic strength and repayment ability, make a correct and objective prediction of his future income and expenditure, carefully determine the loan amount, loan term and repayment method, design the repayment plan according to his income level, and leave room appropriately.
2. Choose a good loan bank for mortgage.
The more services banks provide, the more detailed they are. You will get flexible and diverse personal financial services, as well as a rich service and product portfolio. For example, some banks have introduced a series of new measures, such as adjusting the loan term of borrowers, allowing borrowers to change things, changing real estate rights and so on.
3. Choose the repayment method that suits you best.
At present, there are basically two repayment methods for individual housing loans: equal repayment method and equal principal repayment method. The repayment method of equal repayment is adopted, and the repayment amount is unchanged (except for adjusting the interest rate), which is convenient for repayment, but more interest should be paid; Equal principal repayment, the monthly repayment amount is gradually decreasing.
The information provided to the bank should be true.
A true personal occupation, position and recent proof of economic income shall be provided. If you don't have enough ability to repay the loan, but exaggerate your income level, it is very likely that you will default at the initial stage of repayment, and it is confirmed by bank investigation that you have provided false certificates, which will affect yourself.
5. Provide my address accurately and timely.
Provide an accurate contact address for the bank to contact him and receive the repayment notice from the bank on time every month.
6. Repay on time every month to avoid penalty interest.
Banks should automatically deduct money from their deposit accounts or credit card accounts on the agreed repayment date every month, and must pay attention to whether there is enough funds in their repayment accounts before the agreed repayment date every month to prevent default due to their negligence.