2. Apply for a mortgage loan. Submit the housing loan application and related materials to the bank.
3. Bank comments. The bank shall examine the submitted application and examine the personal information such as the qualifications and property of the lender.
4. Sign a house purchase contract. After the approval of the bank, it will issue a loan consent notice or a mortgage commitment letter to the lender.
5. Sign a house mortgage contract. The lender signs the house purchase contract, signs the house mortgage contract at the bank, and goes through the relevant formalities.
6. Apply for mortgage registration and insurance. The Lender holds the house mortgage contract and the house purchase contract to the Housing Authority for mortgage registration and filing.
7. Open a special repayment account. The borrower opens a repayment account in the loan bank, the bank lends money according to the contract, and the lender repays the principal and interest on time according to the time agreed in the contract.
Matters needing attention in buying a house by loan
1. When making a loan, you need to know the repayment method of the bank first and make a choice according to the actual situation. At present, there are two main types: equal principal and interest and average capital. In the former way, the interest rate is lower, but the monthly mortgage is higher, and the buyers are under great economic pressure. In the latter way, the interest rate is higher, but the monthly mortgage pressure of buyers is less.
2. If you choose a provident fund loan, you'd better not withdraw the money from your personal account before preparing your application. When there is no balance in the account, it means that the provident fund has no loan amount and the mortgage cannot be handled. Because only after the mortgage has been paid off for one year can you apply for partial repayment in advance, so the loan cannot be repaid in advance within the first year. However, this loan method can only meet the requirements if the provident fund is paid continuously 13 months.
3. Before buying a house loan, you must increase the down payment. According to the relevant real estate policies, the down payment for the first suite is not less than 30% of the total house price, and the down payment for the second suite is not less than 40% of the total house price. At the same time, we need to consider the loan interest rate, that is, prepare more money.
4. Let the unit issue a good income certificate to handle the loan business in the bank. It is better for the buyer to earn twice as much as the mortgage, which makes it easier to pass the mortgage review. At the same time, we should also keep all payment invoices, such as down payment, loans and other invoices, which are required when handling housing property rights.
5. The house loan is fully paid off, and the buyers should remember to go to the bank to cancel the mortgage. At that time, the staff will issue relevant certification materials, and then go directly to the counter of the relevant real estate department to cancel the mortgage.