Many people around us are buying houses, and borrowing money to buy a house is the most common way. Many people may not even have a down payment when buying a house. In the process of buying a house, people should understand the situation of the real estate. Loans are a good choice. You can use good loans to get enough opportunities to buy a house. In order for people to realize that buying a house with a loan, let’s analyze in detail the impact of running expenses being greater than income. Home loan? What is the process of getting a loan to buy a house?

Will the current expenditure be greater than the income and affect the mortgage loan?

Generally, the current expenditure is large but there is no overdue payment, which is a sign of good credit. However, one overdue payment may have an impact on the loan, but the bank will respond accordingly. There is a risk elimination, which can manually determine whether your credit is normal, but it is said that there may be corresponding policies such as a 10% discount on the loan e-limit.

1. Bank statements are an important basis for banks to determine customer income. Generally speaking, personal bank statements include transaction details, consumption in and out accounts, transfers, online banking, phone recharges, etc. If it is a salary card, it also includes the monthly salary bank issuance, personal income tax payment by the bank, etc.;

2. Income certificate is an important document for reviewing the repayment ability. Therefore, the higher the actual number, the more conducive it is to the loan; but if the bank statement is inconsistent with the income certificate and the difference exceeds a certain standard, then the bank will conduct a strict review;

3. Banks There are different standards for the difference between bank statements and income certificates. Some stipulate that it is 8,000 yuan, and some are 10,000 yuan. Some banks also confirm the authenticity of the income certificate, some require the necessary personal tax payment certificate, and some require The standard for checking the balance sheet is determined based on the customer's asset status. Generally speaking, if the asset status is relatively good, then the standard will be relatively high.

What is the process of buying a house with a loan?

1. The process of buying a house with a loan. Understand the credit report

First of all, if you want to buy a house with a loan, you must first check it. I checked my personal credit report to see if I met the loan conditions, and I was optimistic about the free house. When I was about to buy, I discovered that my credit report was unqualified, and I fell into a relatively passive situation.

2. Understand the bank’s loan process for buying a house

Before applying for a loan, home buyers can go to the bank for consultation and ask about the loan application conditions, interest rates, approval time, loan time, etc. How much are they all, and then compare them to choose a bank that is more cost-effective.

3. The process of buying a house with a loan and preparing the information required for the loan

(1) ID card. If you are married, you need the ID card of both husband and wife. Of course, if they are jointly signed , then more people’s ID cards are needed;

(2) Household register. Note that in some banks, if you are not the head of the household, the head of household’s information page and registration card must be copied;

(3) Marriage certificate, that is, marriage certificate, divorce certificate, etc.;

(4) Employment certificate, some banks have specific formats, or must have certain elements. This requirement Ask the bank clearly;

(5) Proof of income, generally banks will require monthly income to be more than twice the monthly payment;

(6) Certificate of file check, this certificate of file check is Go to the housing management department to check whether you have a house ownership record, which means checking whether there is a house under your name. You have to go to the housing management department to handle it yourself;

(7) Other information required by the bank.

4. The process of buying a house with a loan and signing a loan contract

If the loan conditions are met, the buyer will go to the sales office of the house he is optimistic about to sign a sales contract, pay the down payment, and prepare the loan. Required materials to apply for a loan. The next step is to sign a loan contract with the bank, pay various fees, and apply for mortgage and insurance. This step is time-consuming. The bank needs to review it. How long it takes varies from place to place and bank to bank.

After that, the home buyer needs to wait for the notice to go to the bank for an interview, and wait for the bank to collect and verify the materials. After the bank verifies, the bank will notify the home buyer to get the materials and go to the housing management bureau to make a mortgage. (After the bank accepts your application, if the information is incomplete or insufficient, it will ask you to provide additional information).

Will the housing loan be affected if the running expenses are greater than the income? What is the process of getting a loan to buy a house? The above content is what everyone is aware of. There are many aspects to buying a house with a loan, and each aspect may affect the result of the loan.

In fact, when buying a house, you must carefully understand the loan conditions to better ensure that you can successfully buy a house.