1, select real estate
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.
2. Loan application
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on mortgage loan support for the buyer, prepare relevant legal documents, fill in the mortgage loan application form, and provide the following information:
(1) Identification certificate of the borrower, including ID card or household registration book, etc.
(2) Proof of marital status: the married person shall provide the marriage certificate or husband-wife relationship certificate issued by the marriage registration authority, and the unmarried person shall provide the unmarried certificate;
(3) The down payment certificate of not less than 30% of the house price, and the down payment ratio of purchasing commercial facade is not less than 50%.
(4) A legally binding commercial housing sales contract uniformly printed by the real estate department.
(5)*** Proof that the owner agrees to use the purchased house as collateral;
(6) Proof of the borrower's family property and economic income. If it belongs to the borrower's family members, all parties shall sign a confirmation letter of repayment responsibility, making it clear that one party is unable to repay and the other party will continue to bear the repayment responsibility.
3. Sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
4. Sign a house mortgage contract.
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
5. Apply for mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. 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. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
6. Open a special repayment account
After signing the housing mortgage loan contract, the purchaser opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the Housing Mortgage Loan Contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.
Extended data
Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the house purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments, also known as house mortgage loan.
Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the notarization of real estate mortgage registration according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.
reference data
Baidu baike
Loan to buy a house