1. Pre-sign online. In different cities, the methods of online pre-signing will be different and need to be determined according to the actual situation. For example, if you apply for online pre-signing in Wuhan, you need to log in to the "Personal Online Contract Registration and Filing" column of the Municipal Real Estate Market Information Network after reading the relevant purchase restriction policies, enter the contract text and pre-sign the "Existing House Sales Contract" online. 》, you can also pre-sign online at the window of the real estate management department.

2. Data verification. You need to go to the window to accept the house purchase qualification verification with the relevant documents specified in the review, and receive the "House Purchase Qualification Verification Receipt".

3. Query results. To check the review results, you can log in to the "Housing Purchase Qualification Verification Result Query" column of the Market Information Network, enter the number in the receipt, your name and ID number to check the home purchase qualification verification results.

4. Receive the contract. After the verification is completed 48 hours later, you need to go to the housing authority to collect the "Result Notice" with the receipt, print and sign the registered paper contract, and print the "Letter of Commitment" at the same time, which means you are qualified to purchase a house.

Things to note when buying a house

1. Choose a bank before borrowing:

At present, different commercial banks have different choices in terms of down payment ratio and three aspects. , especially for different groups, which have their own personalized solution combinations. Even if some customers have already applied for it at a bank, they can transfer their housing loan business to a more suitable bank through the services that some commercial banks have opened and enjoy a full range of mortgage financial services.

2. Choose interest rate:

Interest rate is the most important price factor. If buyers believe that interest rates will continue to rise in the future, they can choose the right time to avoid the cost risk caused by future interest rate increases; if buyers believe that interest rates will continue to fall in the future, they can choose to avoid fixed-rate loans due to interest rates Cost risks arising from decline.

3. Avoid overdue losses:

It is very important to ensure on-time monthly repayments. Once you fail to repay the loan in time due to carelessness or other reasons, you will not only have to repay the bank, but it will also affect yourself. This loss is far from being financially compensated. Therefore, when processing, borrowers must have a long and careful consideration of their ability to repay.