Process of handling mortgage to buy a house loan:

1, select real estate;

2. Confirm whether the real estate built by the developer has a bank-backed secured mortgage loan.

3. Apply for mortgage loan;

4. Sign a house purchase contract. Upon examination, it is indeed a letter of consent to the loan or a pledge of mortgage loan issued to the property buyers;

5. Property buyers can sign pre-sale and sales contracts with developers or their agents;

6. Sign a house mortgage contract. Clarify the amount, term, interest rate, repayment method and other rights and obligations of mortgage loans;

7. Apply for mortgage registration and insurance. Under normal circumstances, due to the risk of mortgage loans, buyers need to apply for personal insurance and property insurance;

8. Open a special repayment account;

9. After handling relevant formalities, transfer the loan to the bank supervision account opened by the developer in the bank at one time.

10. The borrower repays the loan regularly according to the contract.

Second, how many years can a mortgage loan last?

First, the loan term.

1, the longest term of individual housing loan is 30 years, and you can choose 20, 15, 10, 5 years, etc.

2. The longest term of personal commercial housing loan is 10 year;

3. Men under 60 years old and women under 55 years old.

Second, the basic provisions of housing loans

1. loan purpose: it is used to support individuals to buy, build and overhaul houses in cities and towns in Chinese mainland.

2. Loan targets: China natural persons with full capacity for civil conduct and overseas natural persons with the right of abode in Chinese mainland.

3. Loan amount: The maximum amount is 70% of the total price or evaluation value of the house purchased (built or overhauled).

4. Loan term: up to 30 years.

5. Loan interest rate: It shall be implemented in accordance with the relevant regulations of the People's Bank of China.

6. Repayment method: entrusted deduction and counter repayment.

7. Repayment method: If the loan term is within 1 year (including 1 year), the repayment method of one-time repayment of principal and interest shall be implemented; If the loan term is greater than 1 year, the repayment method of equal principal and interest and average capital can be adopted.

8. Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , you can use one or more loan guarantees.

Three, apply for a loan should be submitted to the information:

1, identity document;

2. Proof of the borrower's repayment ability;

3. Legitimate and effective purchase (construction, overhaul) contracts, agreements or (and) other approval documents;

4. proof of down payment;

5. Loan guarantee materials;

6. Other documents and materials specified by the lending bank.

3. How many years is a commercial loan more cost-effective?

1. The maximum term of individual housing loan is 30 years;

2. The longest term of personal commercial housing loan is 10 year;

3. Men under 60 years old and women under 55 years old. The question of "how many years of mortgage loan is appropriate" cannot be generalized, but should be discussed according to the different income and economic situation of buyers. Generally speaking, the longer the loan term, the less the monthly repayment amount; The shorter the loan period, the higher the monthly repayment amount. If the lender's income is stable and relatively high, it is suitable to choose short-term loans. The shorter the time, the less interest. For people whose high income is only for temporary turnover, this can save a lot of mortgage interest. For people with unstable income or low income, it is more cost-effective to lengthen the life span considering their own income problems. Although the choice of mortgage period is closely related to the economic strength of buyers, in the eyes of experts, there are different mysteries. Judging from the current mortgage interest rate, under normal circumstances, it is generally recommended that buyers choose the repayment period of 15-20 years, so that the total interest paid is relatively reasonable.

4. What is the longest term of mortgage loan?

Friend, the longest mortgage loan is 30 years. To buy a first-hand house, as long as the borrower's age is less than 70 for men and 65 for women, subtracting the borrower's current age from 70 or 65 is your longest loan period. Second-hand housing (housing age plus loan period) multiplied by two is less than 70, whichever is lower. Beijing only. If you want to buy a new house, you can contact me. Buy a second-hand house, the room rate is 20%, and the loan is free, but only in Beijing!

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