1. Before mortgage to buy a house, we must have a correct appraisal of the existing houses. We should know that the mortgage loan of real estate can generally reach 70% of the market price of the house at most, and the loan may not be enough for the whole expenses of the new house. If you need to undertake two loans at the same time, you should consider your repayment ability and choose a reasonable repayment method, loan amount combination and loan term.
2. At the same time, you need to pay attention to whether you meet the conditions for handling real estate mortgage loans. For example, small property houses, houses with more than 20 years, affordable housing with less than 5 years, etc. Are not allowed to apply for real estate mortgage loans. It is suggested that before buying a house through real estate mortgage loan, it is best to find a professional evaluation agency to evaluate the house and consult the bank more. Don't be late, the house deposit has been paid, and the loan has not come down;
3. Deal with real estate mortgage loan. Mortgage to buy a house, get a loan before buying a house. There may be a time difference between buying a house and getting a loan here. If you don't buy a house, I suggest you look at the house first, make an appointment with the developer about the delivery time, and then apply for a loan.
After the loan comes down, you can buy a house.
The above is the general process of buying a house through real estate mortgage loan. When buying a house loan, you can refer to the above contents and go to the relevant departments for loan procedures. I hope the above can help you.