Usually, when you apply for a mortgage loan, you need to provide a marriage certificate and your spouse's ID card to determine which house the house belongs to, so as to determine the deed tax rate. At the same time, it also ensures that in the event of a debt crisis, the debt needs to be shared by both husband and wife, that is, the debt during marriage.
How to handle the loan purchase procedures?
1. Choose a house.
First of all, buyers choose their own houses according to their actual conditions. After buying a house, property buyers first understand the loan conditions of the bank from the loan bank and confirm that they meet the loan conditions. You can apply for a loan to buy this house.
2. Sign the contract and pay the down payment.
The next step is to submit the down payment and sign the purchase contract. Buyers must carefully read the contents of the purchase contract, focusing on the delivery details, liability for breach of contract and delivery standards. If the property buyers have other matters that need to be supplemented, they can also negotiate with the developers to add supplementary terms.
3. Submit a loan application.
The down payment has been paid and the house purchase contract has been signed. The buyer can submit a loan application to the loan bank. When submitting a loan application, you need to attach the lender's ID card, income and work certificate, marriage certificate and other materials. These materials can also be discussed with the bank in advance and prepared well.
4. Sign the loan contract.
The loan application put forward by the property buyer is approved by the loan bank, and the loan bank informs the applicant to sign a personal housing loan contract. Usually, due to the long loan period, banks require buyers to apply for relevant insurance in order to prevent loan risks. The insurance policy is kept by the bank until the loan is repaid.
5. Lending.
After the loan contract is signed, the buyers wait for the bank loan notice. As mentioned above, generally after more than one month, the lending bank will deposit the loan into the bank supervision account opened by the developer in the bank at one time.
6. House handover.
If you buy an auction house, it may take a year or two after all the loan procedures are completed. When you receive the house, the buyer must first check whether it meets the delivery conditions. When entering the room to check the house, focus on whether the house is defective. For example, whether the walls and floors are flat, whether there are water stains, etc. If problems are found, they should immediately give feedback to the developers and negotiate.