Find a suitable loan product, prepare the corresponding information and apply to the bank. Commonly used products and preparation materials:

1, three-household joint guarantee loan

The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;

Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;

2. Mortgage loan

Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for a lender with a business enterprise (industrial and commercial license).

Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report;

3. Second-hand housing mortgage loan

If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.

Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.

3. Primary housing mortgage loan

If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.

4. Provident fund loans

Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and the total balance of housing provident fund accounts of both husband and wife of the applicant is about 20 times.

Requirements for loan procedures: according to whether you buy a first-hand house or a second-hand house, the identity certificate of the buyer and seller, household registration book, marriage certificate, house title certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, income certificate of the buyer and seller and proof of no house.

How to get a loan to buy the first suite

As we all know, the housing prices in China are rising constantly, so more and more young people think that buying a house is a distant thing. However, as long as you have some savings, you can choose to buy a house with a loan. So, how do you get a loan to buy the first suite? What should I pay attention to when buying a house? Let's take a look!

1. How to get a loan to buy the first suite?

1. First of all, you should make sure which bank the developer of the house you bought cooperates with, or has established a cooperative relationship with which bank. Because you can only borrow money if the bank agrees. After confirmation, you can first compare which bank has a lower interest rate. After all, for ordinary people, interests are the most important.

2. After you have selected the bank for the loan, you can go to the bank to handle the loan formalities. As long as you take your own purchase contract to the bank for approval, then go to the Housing Authority for advance notice registration, and finally apply for advance notice registration mortgage, the bank will lend you a loan.

Second, what should I pay attention to when buying a house?

1. Don't use the provident fund before applying for a loan.

If consumers use the balance in the provident fund when borrowing, it will lead to the balance in the provident fund becoming zero, and the amount in the provident fund will also become zero. In fact, that is to say, if you do this, you will not be able to apply for provident fund loans.

2. Do not prepay the loan within 12 months from the date of borrowing.

Owners should never repay the last year of the loan in advance. Because according to the provisions of the provident fund loan: if you want to repay the loan in advance, you must propose it one year after the repayment, and the repayment amount of the owner cannot be less than six months.

Editor's summary: The above introduces how to buy the first suite with a loan and what to pay attention to when buying a house. I hope I can give you some help. If you need to explore more information about housing loans, you can continue to lock our website, and the follow-up content will be more interesting!

How to get a loan for buying a second house?

1. The buyer and the seller sign a house purchase and sale agreement or a house purchase and sale contract.

Two, eligible buyers to apply for loans to the loan bank, and provide relevant certification materials.

Three. The buyer and the seller should go to the appraisal institution designated (recognized) by the loan bank to conduct house appraisal.

Four, the law firm to verify, investigate and analyze the borrower's credit certification materials and evaluation report, issued a "legal opinion".

Five, after the approval of the loan bank, notify the loan applicant whether to agree to the loan.

Six, the buyer and the seller handle the transfer of property rights, after the transfer, the borrower to the bank for loan procedures.

Seven, the buyer and the loan bank signed a second-hand housing mortgage loan contract.

Eight, the buyer and the seller will transfer the house ownership certificate to the loan bank for mortgage registration.

How to identify the second suite?

65438+ According to the previous policy, as long as there is no loan for minors' real estate, applying for a mortgage is not considered as two sets.

2. Parents have a house and buy a house in the name of minor children: according to the new policy, family members include borrowers, spouses and minor children, that is, minor children are also classified as families. Therefore, when applying for a loan to buy a house in the name of a minor child, it will be implemented in accordance with the second suite policy.

3. If you have the money to buy a house under your own name, you can take out a loan to buy a house after you settle the sale: at present, the bank recognizes the second house as "recognizing the house and recognizing the loan", which means that after the property bought by the loan is sold, although there is no house under your family name, if you apply for a mortgage again because of your previous loan record, it will be counted as a second house.

4. If you have a house bought in full under your name, you can borrow money to buy a house: in the past, you only "recognized the loan", not counting the second suite, but now you have added "recognized the house". Although you haven't borrowed money, as long as you can find the property under your name in the housing property rights trading system, you will be recognized as a second suite if you don't sell it or lend it.

5. Use commercial loans to buy a house, and then use provident fund loans to buy a house: At present, the provident fund loan policy is also relatively strict. As long as the borrower has a mortgage record, no matter whether the mortgage is settled or not, even if he has never used the provident fund loan, applying for the provident fund loan is considered as a second suite.

This concludes the introduction of how to set up a loan and how to cash out a loan. I wonder if you found the information you need from it?