If you buy a house with your own loan, you can move your account. According to the relevant regulations of the state, as long as you are sure that you have a real estate license in the relevant links, you have the conditions to move your account. Because the parties have real estate licenses in their hands, they can get loans by mortgage, thus protecting the ownership of their own houses and moving their accounts.

First, can I move my account with a loan to buy a house?

As long as you have a real estate license, you can go through the formalities of settlement. After the loan to buy a house, the real estate license will not always be placed in the bank. Generally, after completing the mortgage formalities, the bank staff will mark the mortgage on it and then return it to the lender. Lenders can hold the property ownership certificate, occupancy certificate, ID card, household registration book and other materials, and go through the settlement procedures at the household registration management section of the local police station.

People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed for mortgage loan is:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. 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.

5. The developer's collection account number is 1 copy.

Second, the process

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.

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 the 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.

Generally, as long as the conditions are met, the problem of household registration migration can be solved. Whether buying a house or selling a house, this is not the point. Parties often encounter different situations when dealing with problems. The key to not moving accounts is that the parties need to identify the real estate license. Therefore, as long as there are many omissions in dealing with related issues, it will not affect the migration of household registration.