2. Sign the contract. After receiving the loan approval notice from the bank, the loan applicant shall sign a loan contract and a guarantee contract with the loan bank, and handle notarization, mortgage registration, insurance and other related procedures as appropriate.
3. Open an account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account or a savings card or credit card account at the business outlets designated by the lending bank for repayment. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
4. Recover the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
5. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. At present, there are two repayment methods to choose from: entrusted deduction and counter repayment.
6. loan settlement. Loan settlement includes early settlement and normal settlement. Early settlement refers to the settlement of the loan (one-time repayment of principal and interest) or the last loan (installment loan) before the loan maturity date; Normal settlement refers to the settlement of the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment loan). If the loan is settled in advance, the borrower must apply for early settlement 10 working days after paying off all payables. After the loan is settled, the borrower receives the Loan Settlement Certificate from the loan bank, retrieves the Registration Certificate of Real Estate Ownership Mortgage and the original insurance policy, and goes to the original mortgage registration department for cancellation of mortgage registration with the Loan Settlement Certificate issued by the loan bank.
Housing loan conditions
(1) Borrower's requirements
1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)
2. Have the ability to stabilize employment, income and repay loan principal and interest on schedule.
3. The actual age of the borrower and the loan application period should not exceed 70 years old.
(2) Information to be provided:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required).
2. The original purchase agreement.
3. Original and photocopy of advance payment receipt for 20% or more of the house price 1 copy.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
（3）
1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Legal basis:
Article 667 of the Civil Code
A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
According to the provisions of relevant laws and regulations, the following procedures are required for buying a house with a loan:
1, go to the bank to learn about it. And apply for personal housing loans with relevant materials;
2. Then accept the bank's review of you and determine the loan amount;
Next, you can apply for a loan contract, and the bank will handle insurance. Handle the registration and notarization of property right mortgage;
The last thing left is the bank loan, the borrower's monthly repayment and the cancellation of registration after paying off the principal and interest.
After the above procedures, you can get a new house through a loan.
Second, the conditions and materials needed for the loan to buy a house
(1) The conditions for buying a house by loan are as follows:
1, a natural person with the age of 18-60;
2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
3. The actual age of the borrower plus the loan application period should not exceed 70 years old;
4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;
5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses;
6. The assets recognized by the lending bank are mortgaged or pledged, or (and) legal persons, other economic organizations or natural persons with sufficient compensatory capacity are used as guarantors.