Sign a house sales contract: I think buyers also know that when buying a house, the most important thing is to sign a house sales contract, and both buyers and sellers should make clear their rights and obligations, especially the area, payment method and property status of the house.
Apply for mortgage loan: Generally speaking, all the houses we buy have cooperative banks, which can avoid the trouble of buyers going to the bank. Therefore, after choosing a house, you should first consult the bank and ask about the relevant rules of mortgage loan, and then fill out the "Application for Mortgage Loan" according to the requirements of the bank, and then submit it to the bank for review.
Waiting for the bank's audit results: the bank's approval process is very complicated. After the buyer submits the application form, the bank will review the buyer's credit status and repayment ability. Once the audit fails, the bank will refuse the loan, so the buyer can only find another job because many people will give up because they have no money.
Conclude a loan contract: If there is no problem with the bank's audit, then we can sign a contract with the bank and then pay all kinds of fees, mortgage and insurance. This process is time-consuming. How long does the bank audit take? Different banks and different places are different. Then, the buyers will wait for the bank's notice, and then wait for the bank to review and confirm, and then inform the customers to send the information to the Housing Authority.
Waiting for a bank loan: Waiting for money is a very painful thing, and some people have to go to the bank to apply for a loan. After the loan, remember to ask for a loan contract and an iou. In addition, the real estate license needs to be copied in two copies, and remember to affix the seal of the bank. This is the work of some institutions.
Registration with the Housing Authority: After signing the contract with the bank, the buyer must go to the Housing Authority for mortgage registration with the Housing Mortgage Loan Contract and the House Purchase Contract. Generally speaking, it takes some time for the Housing Authority to register, and then consult the local real estate authority. Only after the registration is passed can the previous agreement be proved to be valid, and then the mortgage registration and repayment can be handled.
Open a special repayment account: If you go through the formalities in the Housing Authority, according to the contract, the bank will designate a financial company to open a special repayment account for you. The agency will deduct money from the buyer's bank account every month.
Closing the house: After all the loan procedures are completed, buyers only need to wait for the developer's notice and pay attention to the timing of closing the house. Check every detail carefully when looking at the house, or ask an expert to look at the house. Please see "Three Certificates, Two Books and One Form". If the developer can't provide relevant certificates, he can refuse the visa.
The above is the main content of the sub-process of loan to buy a house. I believe everyone knows about these contents. I hope this article can give you some help.