First, understand the basic conditions for buying a house with a loan
1. The borrower has a stable job and income, has a good reputation, and does have the requirement to repay the principal and interest of the loan;
2. The purchased house is located in a township (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business;
3. A commercial housing sales contract has been signed with the developer. According to the personal credit status, the down payment ratio stipulated by the bank has been paid, which is less than 30%;
4. The loan amount is determined according to the borrower's credit status, work, teaching level, repayment requirements and the realization requirements of the purchased house.
5. Agree to go through the pawn registration of pre-purchased commercial housing first, and promise to pawn the purchased house as a loan and go through the pawn registration formalities again after the purchased house is completed and the real estate license is obtained.
2. What are the procedures for handling house purchase loans?
1. Go to the bank to find out the situation and apply for a loan.
2. Submit loan processing materials
3. Sign a loan contract
4. Contract notarization
5. Apply for mortgage registration.
6. Loans will be issued after bank review.
7. The purchaser repays the loan at the agreed time.
8. After the repayment is completed, go to the bank to apply for the mortgage of the real estate license.
Third, what materials do I need to prepare for a loan to buy a house?
1.3 Original and photocopy of ID card and household registration book of both husband and wife of the purchaser (marriage certificate shall be attached if the purchaser and lover do not belong to the same household registration);
2. The commercial housing sales contract signed by the purchaser and the developer;
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;
4. proof of the buyer's income;
5. If the purchaser is a legal person, he should bring a useful business license of enterprise legal person or work legal person license, identification certificate of legal representative, financial statement and credit card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the pawn certificate approved by the board of directors;
6. The developer's collection account number is 1 copy.