Now that foreigners buy a house in Nanchang, they don't need to prepare personal income tax certificates, just prepare enough funds. After this policy was put forward, it won the recognition of many foreigners, so the transaction volume of the house once rose.
How to apply for a housing loan?
1, select the right property, calculate the total house price, and then calculate the amount of loan from the bank. The amount of loans that banks can give according to personal income is not bad, which requires buyers to choose the right house, and the down payment ratio of each house may be different.
2. There are cooperative banks in the sales offices of general projects that submit mortgage loan applications, so buyers can save the step of finding a bank. 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.
3. The correct order of waiting for the bank's audit results should be to pass the bank's "application for mortgage loan" audit first, and then sign a house purchase contract with the developer.
4. Sign a house purchase contract. If the third step is approved by the bank, the bank will issue a loan agreement notice or a mortgage loan commitment letter to the applicant. On the other hand, if the housing is confirmed, buyers can rest assured to pay the down payment and sign a commercial housing sales contract with the developer.
5. Sign a house mortgage contract and a house purchase contract. The whole process is halfway through. Next, buyers need to sign mortgage loan contracts with developers and banks with purchase contracts, down payment vouchers and related legal documents. The contract will clearly stipulate the loan amount, loan term, repayment method and related rights and obligations.
6. The Housing Authority shall handle mortgage registration with the relevant departments of the Housing Authority on the basis of the Housing Mortgage Loan Contract and the Purchase Contract.
7. Open a special repayment account and 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.