How to apply for a loan to buy a house

Nowadays, taking out a loan to buy a house has become the trend of the times, and most home buyers will apply for a housing loan from the bank. Many people are buying a house for the first time and don’t know much about how to apply for a loan to buy a house. Next, the editor will briefly introduce it to you.

1. First of all, we need to consult the lending bank about the conditions required for a housing loan and what materials should be prepared. For example, applicants need to have valid identification, good credit, the ability to repay loans, etc. Then we prepare ID cards, salary income certificates, house purchase contracts and other relevant materials according to the bank's requirements and go to the bank to apply. If the home buyer is married, the couple needs to apply for a home loan together.

2. Next, the bank will review the information we provide, mainly reviewing the applicant's qualifications, loan limit, etc. After passing the review, the bank will issue a mortgage appraisal notice. We need to take it to the appraisal agency designated by the bank to evaluate the mortgaged items, such as the house we purchased.

3. Then the applicant brings the evaluation report and preliminary review materials to the bank for another review. After the bank has passed the review, it will issue a guarantee entrusted loan notice. The applicant can use the notice to choose the guarantee method that suits him or her, such as going to an insurance company to apply for insurance, etc., and go through the guarantee procedures.

4. Next, submit these information to the bank, and the bank will sign a loan contract with us. The applicant takes the relevant information of the house purchase contract and the bank's loan contract to the real estate bureau to handle the mortgage registration procedures, opens a repayment account at the lending bank, and signs a letter of authorization. After the bank determines that the home buyer meets the loan conditions, it will lend money in accordance with the contract.

The editor summarizes: This is where the editor introduces how to apply for a loan to buy a house. After applying for a housing loan, everyone should not lose the bank loan contract and repay the bank loan on time. After the mortgage is paid off, don’t forget to go through the mortgage cancellation registration and other procedures.

How to apply for a house purchase loan

Buying a house is always the first important thing for Chinese people besides getting married. Many families will think about it after they have a good financial foundation or before getting married. Buy a house; but most people will choose to take out a loan to buy a house, which can relieve a lot of financial pressure and prevent their quality of life from deteriorating too much. So how to apply for a house purchase loan?

How to apply for a house purchase loan

How to apply for a house purchase loan

The materials that need to be prepared before buying a house include the ID cards of both the applicant and the couple, the original and copy of the household registration book, the original house sales contract, proof of income, and the current six months of statements. If the household registration of the husband and wife does not belong to the same household registration book, Go to the local civil affairs bureau to issue a marriage certificate. Unmarried people do not need a marriage certificate, but they need a certificate of unmarried status. If you borrow 80 yuan, you need to make another copy of the contract and down payment certificate.

The process of applying for a loan to buy a house

1. When selecting a house, you should first confirm that the developer has obtained the support of the bank to ensure that the mortgage loan can proceed smoothly.

2. Fill out the "Loan Application Form". After receiving all the materials prepared previously, the bank will conduct a preliminary review and sign the mortgage loan commitment letter for confirmation after meeting the loan conditions.

3. After the loan is approved, the bank will review all materials. After approval, the bank will sign a "Loan Contract" with the applicant to clarify the loan amount, interest rate, repayment method and other rights and obligations.

4. The applicant and the bank should take the "Loan Contract" and "Purchase Contract" to the local housing management department to register for mortgage filing; the mortgage registration for the off-plan house will be changed after the completion; at the same time, a repayment establishment must be established with the bank. account, and authorizes the bank to deduct the loan principal and interest from the account.

Notes on buying a house with a loan

1. If you use a provident fund loan, you can use the provident fund to pay for the house before applying, but do not use it before applying. If the account amount is zero, you will not be able to apply. Provident Fund Loans.

2. Do not make early repayments within one year of the loan, and the amount of early repayments shall not be less than 6 months.

3. The mortgage must be canceled after the loan is repaid, and the loan contract and related procedures must be kept intact before canceling the mortgage.

Loans relieve the pressure of buying a house, but they also make you pay too much. Therefore, before buying a house, you need to obtain a corresponding loan based on your financial ability.

How to apply for a loan to buy a house

Nowadays, young people basically choose to buy a house with a loan, because not everyone has the financial ability to buy a house in full. If you want to buy a house with a loan, you need to go to the bank to apply. Let’s follow the editor to learn how to apply for a loan to buy a house.

1. Loan application materials

To apply for a loan to buy a house, you must first prepare relevant materials, mainly including the applicant’s ID card, household register, marriage certificate, house purchase agreement, Down payment receipts, family income certificates, personal income tax returns, bank deposit slips, etc.

2. Choose a bank

Basically, banks now provide mortgage loan services. Among the four major banks, ICBC has a faster loan application time and is a good choice. Among commercial banks, China Everbright The bank's approval time is also very fast, so you can choose from the same. However, it is best to choose a bank designated by the developer to cooperate, so that even if the loan application does not go smoothly or is delayed, there will be no more problems.

3. Confirm that you can get bank mortgage support

House buyers must confirm that the property they are about to buy can get bank mortgage support before they can apply for a loan. Home buyers can first learn about the relevant According to the regulations, fill in the "Loan Application Form" and submit it for approval by the bank. You can purchase a house only after receiving relevant notifications, sign a house purchase agreement, and pay the down payment.

4. Go through the loan procedures

At this time, you can submit the prepared materials, house purchase agreement, down payment voucher, etc. to the bank. At this time, the buyers, developers and other parties involved You need to go to the bank to sign a "Loan Contract" and clarify the loan-related amount, period, repayment method, etc. In this way, the loan application is completed. Once the house is handed over and accepted, the bank can lend money to the unit selling the house.