Calculate the total price of the house, the savings you can pay the down payment, and then calculate the amount of loan you need from the bank. The loan amount that the bank can give according to your personal income is not bad, which requires buyers to choose a suitable house, and the down payment ratio of each house may be different.

2. Submit a mortgage application

There are cooperative banks in the sales offices of general projects, so buyers can save the steps of finding banks. So after determining the housing, consult the relevant banks, understand the relevant provisions of bank mortgage loans, and prepare the documents required by the banks for review.

3. Wait for the results of bank audit.

The correct order should be to pass the bank's "application for mortgage loan" audit first, and then sign a house purchase contract with the developer. Because after the buyer submits the application, the bank will review the buyer's credit status and repayment ability. If the audit is unqualified and the bank refuses to issue loans, the buyers will find another way. It is likely that most people can't find the source of funds and eventually have to give up buying a house.

4. Sign a house purchase contract

If the third step of the bank audit is passed, the bank will issue a loan agreement notice or a mortgage loan commitment letter to the buyers. On the other hand, if the house is confirmed, the buyers can rest assured to pay the down payment and sign a commercial housing sales contract with the developer.