Nowadays, many people buy houses through loans. What are the loan procedures for buying a house? PChouse, let's take a look.

1. Choose a house in a suitable real estate developer, pay a down payment on the house, and sign a purchase contract.

2. Prepare personal ID card, down payment information of local valid residence certificate (household registration book or temporary residence permit), and income certificates such as bank running water and payroll, apply for a loan from the bank, get the application form, fill it out, and then hand the completed form together with the information to the bank staff.

3. The bank conducts the audit, and the customer patiently waits for the audit result. After the approval, the customer who received the notice of approval promptly went to the bank outlet to sign the loan contract and handle the mortgage and other related procedures.

4. The bank will lend money. After the loan arrives and the real estate developer receives the remaining house payment, the customer only needs to repay the mortgage in installments on time according to the repayment plan agreed in the contract. After the mortgage is paid off, go to the bank to get his warrant back, and then go to the Housing Authority to go through the mortgage formalities, even if the house really belongs to the customer.

All the detailed procedures for buying a house with a loan

The housing loan process is as follows:

1, the borrower signs a house purchase contract with the developer and pays the down payment.

2. The borrower applies for a loan and submits the loan information.

3. The bank accepts the investigation, acceptance and approval.

4. The bank signs a loan contract with the borrower.

5. Go through the formalities of notarization insurance.

6. Banks issue loans.

The required information is:

1, housing loan requires the borrower's personal housing loan application; A copy of the borrower's ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visiting cards, home visiting cards and other residence certificates) shall be provided for the house purchase loan; Housing loans must be approved by the handling bank, the borrower's stable income certificate issued by the relevant departments, or other proof of solvency.

2 housing loans need to be legally purchased housing contracts, agreements and related approval documents; List of rights and ownership certificates of mortgage or pledge required for mortgage loan, certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and mortgage evaluation report issued by an evaluation agency recognized by the loan bank; Buying a house loan requires the guarantor to provide a written promise of guarantee and the guarantor's credit certificate.

What is the housing loan process?

The housing loan process is as follows:

1. Before applying for mortgage, the loan applicant needs to prepare loan materials and loan application forms, and all documents or materials required by the loan bank should be prepared;

2. The bank account manager needs to conduct a preliminary examination of the lender's materials to see if the prepared materials are complete. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping, and the bank shall examine the borrower's loan application, house purchase contract, agreement and related materials. After passing the preliminary examination, enter it into the system, scan and upload it;

3. The credit department reviews the lender's personal credit record;

4. With the approval of the bank's examination and approval personnel, the borrower and the guarantor sign the housing mortgage loan contract and notarize it;

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. Loan settlement includes normal settlement and early settlement.

Purchase loan process

Borrower's application → pre-loan investigation → examination and approval → signing loan contract → handling insurance, notarization, guarantee and other procedures → issuing loan → filing data → post-loan management → repaying loan → paying off mortgage.

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 loan.

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 a house 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.

5. Apply for mortgage registration and insurance.

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.

Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

6. Open a special repayment account

After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract.

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

Matters needing attention

1. Materials to be provided for mortgage loan: 3 copies of the ID card of the applicant and spouse, and the original and copy of the household registration book (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

Original purchase agreement. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. The developer's collection account number is 1.

2. When the bank evaluates the repayment period of the mortgage for the borrower, it first takes its age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, and the older the age, the shorter the loan period. Under normal circumstances, "the lender's age loan period does not exceed 65 years" is the loan period that the bank can handle for it.

3. The age of the loan house

When a lender buys a property, the "age" of the purchased property will determine how many years he can borrow. According to the regulations of the bank, it is easier to get a loan for a property with a newer room.

For example, the second-hand houses with a construction period of 10 years have good conditions in all aspects, and banks are willing to speed up the approval of housing loans with this period. However, in the 1970s and 1980s, second-hand houses were relatively old, and the loan risks controlled by banks were relatively high, so banks were very cautious in approving loans for such houses.