After the purchaser prepares the family members' materials and real estate information materials, the developer and intermediary will generally report the relevant information to the housing management department for the qualification review of the purchase, and the housing management department can also make some inquiries about the real estate status of the purchaser's family in the place of residence.

What should I pay attention to when buying a house loan?

First, when making a loan, you need to know the repayment method of the bank first and make a choice according to the actual situation. At present, there are two main types: equal principal and interest and average capital. In the former way, the interest rate is lower, but the monthly mortgage is higher, and the buyers are under great economic pressure. In the latter way, the interest rate is higher, but the monthly mortgage pressure of buyers is less.

Second, if you choose a provident fund loan, you'd better not withdraw the money from your personal account before preparing your application. When there is no balance in the account, it means that the provident fund has no loan amount and the mortgage cannot be handled. Because only after the mortgage has been paid off for one year can you apply for partial repayment in advance, so the loan cannot be repaid in advance within the first year. However, this loan method can only meet the requirements if the provident fund is paid continuously 13 months.

Third, before buying a house loan, the down payment should be raised first. According to the relevant real estate policies, the down payment for the first suite is not less than 30% of the total house price, and the down payment for the second suite is not less than 40% of the total house price. At the same time, we need to consider the loan interest rate, that is, prepare more money.

The fourth is to let the unit issue a good income certificate and handle the loan business in the bank. It is better for buyers to earn twice as much as the mortgage, which makes it easier to pass the mortgage review. At the same time, we should also keep all payment invoices, such as down payment, loans and other invoices, which are required when handling housing property rights.

Fifth, when all the housing loans are paid off, buyers should remember to go to the bank to cancel the mortgage. At that time, the staff will issue relevant certification materials, and then go directly to the counter of the relevant real estate department to cancel the mortgage.