New house loan purchase process and matters needing attention
1. Submit a loan application. New house loan purchase process: the buyer needs to submit a loan application at the bank and submit relevant materials, such as a copy of ID card and a copy of household registration book; Income certificate (valid seal) issued by the employer or other certificates that can prove the borrower's solvency; And other documents and materials required by the bank.
2. Signing a loan contract New house loan purchase process: After the loan application is approved by the bank, a loan contract is signed with the bank under the guidance of the bank staff.
3. Opening an account in the process of buying a house with a new house loan: Generally speaking, buyers need to apply for an exclusive bank card at the loan bank and repay the loan on a regular basis.
4. New house loan process Loan issuance: After the loan bank agrees to issue the loan, the loan bank will directly transfer the loan to the deposit account or designated account opened by the lender in the loan bank according to the loan contract.
Precautions for buying a house with a new house loan Before the house is closed, the invoice for buying a house with a loan includes a down payment invoice and a loan invoice. If you buy an existing house, you need to pay taxes with these two invoices. If the purchase is faster, there is a difference in area, developers will generally re-open a down payment invoice to recover the previous invoice. If the down payment invoice is accidentally lost, the developer will not change the invoice, and the buyer needs to go through the formalities of missing the invoice, because once the invoice is lost, there is no way to make up it.
What are the skills of buying a house loan?
1. At the beginning of loan processing, buyers should decide which bank to choose through their own judgment. Many times, developers will also provide several cooperative banks for buyers to choose according to their own property characteristics, so that buyers can choose according to their own actual situation.
2. Now in many cases, many buyers will choose the longest loan term, which will reduce their monthly payment and will not make families have so much economic pressure. But if the property buyers have good economic conditions, then I suggest not to choose the one with the longest loan term. Because the current loan interest rate is relatively high, the shorter the loan period, it can greatly save the cost of buying a house.
3. There are generally two repayment methods for buying a house by loan, namely, matching principal and interest and average capital. The purpose of buyers is to understand the differences brought by different repayment methods, rather than blindly listening to bankers' recommendations. The cost of different repayment methods is different, and the pressure of our later repayment is different.
What are the procedures and precautions for buying a house with a new house loan? What are the skills of buying a house loan? The above is a concrete introduction about the loan to buy a house. To buy a house with a loan, you must also master specific skills. In fact, no matter how to buy a house, there are many points to pay attention to. People should know these precautions before avoiding problems.