Many people don't know much about repayment and loans, and they don't know which way to choose to buy a house. Because people often have such confusion, you can look at how to borrow money, the matters needing attention in handling loans, and understand the methods and basic processes of various loans, so you don't have to worry too much in the future. The following is the content of this aspect, I hope it will be beneficial to everyone.

How to borrow money

To buy a house with a loan, you must first make clear the property you choose, then apply for a mortgage, and sign a house purchase contract and a mortgage contract.

1, select real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. Apply for a mortgage.

After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. Sign the mortgage contract

After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

Matters needing attention when handling loans

1. Pay attention to property rights. The second-hand housing loan provided by the bank is a loan issued by the bank to the borrower to purchase the individual housing or commercial housing that the seller has obtained the property right certificate and can legally trade in the secondary market. Therefore, before buying a house, buyers must go to the local land and resources bureau to find out whether the house you want to buy meets the above standards.

2. Second-hand housing appraisal fee. Most second-hand buyers will choose to be handled by an intermediary. At present, there are many housing intermediary companies with different scales. In order to retain customers, many intermediaries often reduce their commission fees, but they will earn back from other fees in the future. Appraisal fees are the most commonly used breakthrough.

3. Understand the cost of second-hand housing appraisal to reduce your unnecessary extra burden. When handling second-hand housing loans, it is necessary to evaluate the house twice. Once, the seller applies, and the assessed price is used as the basis for paying taxes when transferring. Another time, the buyer applied, and the evaluation price was used as the basis for handling the loan mortgage. Therefore, when signing a contract with an intermediary, we must be clear about how many times the assessment fee charged in the contract is to prevent the intermediary from charging fees in the future.

The above contents are how to get a loan and the matters needing attention when handling the loan. If you are interested in buying a house, you can see how to borrow money to buy a house. After all, many people will use these loans to buy real estate now. But it may not work, but no matter which way you choose, you should compare carefully, understand different precautions and loan methods, and play an ideal role.