With a loan to buy a first-hand house, his property rights will be mortgaged to the bank and he can't borrow any more. If you buy it at one time, you can get a loan, but you must have a real estate license.

Let me explain the procedure to you. I want to know why.

The house purchase contract refers to the contract for the sale of commercial housing, and its signing means that the legally binding meaning of the buyer and the seller takes effect. The minimum housing requirement is 1, and it can only be signed after the pre-sale certificate is approved.

Receipt refers to the down payment or full payment certificate issued by the developer, and there will be a cash receipt stamp issued by the finance department to prove that the finance department has received your money, and it is necessary to refund, sign a contract and apply for a mortgage loan;

Real estate invoice, the main purpose of real estate invoice is to apply for property right certificate, which is more formal than receipt and is also issued by developers;

The property right certificate of the house and the identity card of the house will be inseparable from it in the future. Generally, a copy of the mortgaged house property right certificate will be issued within 180 working days, and the original will be issued by the property right office after the loan is paid off. Copies have no trading rights. The property right of one-off house shall be handled by the buyer with the property invoice and 1 commercial house sales contract and property right fee, which shall be issued within 7 days.