When buying a house individually, almost everyone cannot escape from a loan, but what are the procedures for a loan for an individual house purchase? How to apply for a personal loan, and what information is needed to apply for a personal home purchase loan. Below, the editor has collected some procedures for personal home purchase loans. I hope it will be helpful to you! \x0d\\x0d\Business Loan Step One: Signing a Contract to Pay Taxes There are three specific things to do when signing a contract to pay taxes. The home buyer and the developer sign a "Pre-Sale Contract" and a "Sales and Purchase Contract"; the home buyer pays a down payment according to the developer's specific requirements; the home buyer and the developer each pay a stamp tax of 0.5% of the house price. \x0d\\x0d\The second step of commercial loan: Pre-sale registration This step is usually handled by the developer. \x0d\\x0d\The third step of commercial loan: Submit the application to the on-site lawyer of the bank's designated law firm. After this step, the substantive loan stage begins. When submitting an application, homebuyers must provide the following information: 1. ID card (original and 3 copies) 2. Household registration book (original and 3 copies) 3. Temporary residence permit (limited to foreign buyers, original and 3 copies) 4. Marriage certificate (original and 3 copies) 5. Academic certificate (original and 3 copies) 6. Copy of business license of legal person or private enterprise (original or copy with official seal) 7. Proof of professional income and part-time income (original and 3 copies) 8. "Beijing Domestic Commercial Housing Pre-sale Contract (Sales Contract)" (original and 2 copies) 9. Down payment voucher (invoice, original and 3 copies) 10. "Notification of Approval of House Purchase by Individuals from Other Provinces and Cities in Beijing" (limited to buyers from other provinces and cities, original and 3 copies). It must be noted that when there is an applicant with the same ***, the applicant with the same *** also needs to provide the above information. \x0d\\x0d\Commercial Loan Step 4: Fill in the application information. The loan lawyer will assist the home buyer to fill in the application information. The information specifically includes: 1. 5 copies of "Personal Housing Loan Application Form" 2. Explanation of "Personal Housing Loan Contract" 3. 4 copies of "Loan House Ownership Certificate Collection Contract" 4. 2 copies of "Power of Attorney" 5. 1 copy of "Letter of Commitment" 6. 1 copy of "Conversation Record". After filling in the first four items, the developer must sign and seal it. At the same time, homebuyers must pay attorney fees at 0.3% of the loan amount. \x0d\\x0d\The fifth step of commercial loan: Lawyer reviews the information and forwards it to the bank\x0d\\x0d\The sixth step of commercial loan: Sign the loan-related contract. After the bank reviews the lender's credit, loan amount, and loan period, it will contact the lender A series of contract documents will be signed: 1. 5 copies of "Personal Housing Loan Loan Contract" 2. 1 copy of "China Pacific Insurance Company Personal Housing Insurance Application Form" 3. 1 copy of "Personal Housing Guaranteed Loan Transfer Voucher" 4. 1 copy of "Signature Card" 5. 1 copy of "Electronic Money Card Application Form" 6. 1 copy of "Authorization Form for Withholding and Repayment" 7. 1 copy of "Savings Deposit Slip" It should be noted that when signing the insurance policy, you need to pay the property insurance premium, the repayment card production fee (3 yuan), and the repayment card deposit fee (10 yuan). All documents are required by the applicant. Hand signed by myself. If there are different applicants, all applicants must be present to sign. \x0d\\x0d\Business Loan Step 7: Loan Applicant Makes Monthly Repayments