When the commercial loan is repaid to buy a house, the bank will automatically deduct the money through the repayment bank card. Lenders need to actively deposit the monthly payment into the bank before the monthly repayment date, and ensure that the balance in the repayment bank card is sufficient before the bank deducts the monthly payment. On the repayment date, the bank debit system will automatically deduct the monthly repayment amount from the repayment bank card.

The process of buying a house with a commercial loan

1. Submit loan information

Generally speaking, developers will have one or more designated loan banks, and buyers can choose one of them to apply for housing loans. Bring the necessary materials to the bank staff.

2, loan qualification examination

The bank examines the lender's loan qualification, including the authenticity of personal information, age, personal credit record, income, etc. Among them, banks whose applicants are over 65 years old will no longer accept loan applications. In the personal credit record, three or six sets are overdue, and the bank refuses to lend. Individuals have more than two sets in Hangzhou, and the bank refuses to lend.

3. Sign a loan contract

After the bank is approved, it will sign a formal loan contract with the applicant. In practice, the lender will sign the loan contract when submitting the materials, but the bank will stamp it after it is approved.

4. Lending

After the bank completes the loan process, it will directly issue loans to the developer, and the borrower needs to repay the bank every month. It should be noted that if the applicant buys an auction house, the bank will issue loans after exceeding the upper limit.

Information needed for commercial loans to buy a house

1, ID card and household registration book. 3. Copy, original and household register of the applicant's and spouse's ID card;

2. Proof of marital status. Marriage certificate is provided for those who get married, divorce certificate is provided for those who get divorced, and documents are issued to the local civil affairs bureau for those who are single;

3. Purchase contract. The commercial housing sales contract signed by the buyer and the developer and signed by the Real Estate Administration Bureau has legal effect;

4. Down payment invoice. 30% or more of the original payment receipt, one copy each;

5. Proof of buyer's income. This needs to be sent to the company leader to find the chief financial officer and issue more than 5000 tax certificates. If the borrower's family members repay the loan, they must sign a confirmation letter of repayment obligation. Obviously, if one party fails to repay, the other party will continue to bear the repayment obligation;

6. The borrower is a legal person and has a valid business license, legal person identity certificate, articles of association, financial statements and loan card;

7. The developer's collection account;

8. No proof of housing. If it is the first suite, you need to go to the Housing Authority to issue a certificate of no room, which proves that it is the first suite purchased. Note: Family bank flow can be properly included in income voucher, and bonus can be included in income.