Now that the house price is a little breathless, it is even more difficult to buy a house. Most people have to buy a house through mortgage loans. So what are the mortgage loan procedures and precautions for mortgage loans? Do you know that?/You know what? Now let's have a look.

First, the housing mortgage loan process

1, buyers need to find suitable housing and sign a house purchase contract;

2. The purchaser brings the loan materials to the bank to apply for a loan, and fills in the Application Form for Individual Housing Loan;

3. After the bank has passed the examination, it will sign the Individual Housing Mortgage Loan Contract with the buyer;

4. The bank credited the loan to the developer's account;

The buyer will deposit the monthly payment into the designated bank account on time every month.

Second, the housing mortgage matters needing attention

1. Before the house guarantee loan is made, there is no need to use the personal provident fund at last, so as to avoid using the provident fund to pay the house price in the early stage. Then the balance in the provident fund account is 0, and it is unexpected that the provident fund cannot be used for loans.

2. If you are mortgage to buy a house, don't repay the loan in the first year after the loan is finished. After all, the state has issued corresponding policies on loans. If you want to pay back, you have to pay back the amount one year and more than half a year after the loan.

3. After paying off all loans and interest, you need to bring relevant certificates to the real estate trading center to eliminate the mortgage information.

4. After applying for housing loans, individuals will sign loan contracts and IOUs with banks, which is within the scope of legal protection. Moreover, due to the long term of the housing loan, it needs to be properly kept to avoid the trouble caused by the loss.

I'll introduce the process of housing mortgage loan and the matters needing attention in housing mortgage loan here first. Are you clear? If you want to apply for a mortgage loan, you need to bring proof materials to the bank designated by the developer, so as to ensure that you can apply for a loan quickly and efficiently.

What are the procedures for housing mortgage loan?

There are six main steps in the process of housing mortgage loan. The first step is to apply: the borrower will fill in the application form at the loan handling outlet with the following supporting documents:

Valid identity documents;

Proof of marital status;

Pledge and mortgage documents, if the guarantor provides guarantee, there must be guarantee documents.

Second, the bank's loan audit: the bank investigates the borrower's guarantee and credit, examines and approves according to the procedures, and informs the borrower of the examination and approval results.

Third, sign a contract: after the borrower's application is approved, he shall go through the following procedures:

Signing loan contracts and corresponding guarantee contracts with banks;

Go through notarization, insurance, mortgage (pledge) registration and other procedures.

4. Lending: After the borrower completes the relevant formalities, China Merchants Bank will pay the loan to the borrower's personal account and transfer the loan to the relevant payee's account according to the borrower's entrustment.

The fifth is to sign a loan contract after investigation and approval. The agent of the loan bank will deposit the money into the seller's account after completing the registration notarization procedure (the insurance is based on the principle of customer's voluntariness), and inform the customer to go to the seller to handle the purchase formalities with the contract.

Six, the loan bank pays the deed tax, obtains the deed certificate, and completes the registration procedures of the real estate certificate and the house mortgage. Fees are charged in strict accordance with the charging standards of relevant competent departments, and no agency fees are charged. The borrower must provide all the materials required for the above procedures. After the loan is returned, the lender cancels the collateral and returns it to the customer. Housing mortgage loan process

1. The seller proposes the mortgage loan cooperation intention to the loan bank.

2. The loan bank investigates the seller's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified sellers.

3. The borrower signs a house purchase agreement with the seller, and pays more than 30% of the house price (40% of the commercial house).

4. The borrower applies for mortgage loan with the purchase agreement, 30% purchase receipt, ID card and proof of marital status, and opens a deposit account or bank card in the loan bank.

Loan mortgage to buy a house

5. After investigation, examination and approval, a loan contract is signed. After the agent of the loan bank completes the registration and notarization procedures, the money will be deposited in the seller's account (the customer adopts the principle of voluntary insurance), and the customer will be informed to go to the seller to go through the purchase procedures with the contract.

6. In the future, as long as the borrower leaves enough repayment amount in the deposit account or bank card before the 20th of each month (quarterly), the loan bank will automatically deduct it from the borrower's account and settle it in full at maturity.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

What is the loan process of mortgage loan to buy a house?

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.