What are the procedures for buying a house with a loan?
1. Asking about the qualification of buying a house: Now the real estate transaction is more and more standardized, and the real estate policy has a great influence on the real estate transaction. Buying a house is not something you can buy with money. First of all, you must meet the local qualifications for buying a house. Especially friends who want to buy a house in these big cities should pay attention. Many first-tier cities have limited purchase policies. Generally speaking, buyers with local accounts can buy the first suite locally, while those with foreign accounts need to meet certain requirements of paying taxes or social security.
2. Make a good budget for buying a house: After the buyers determine that they are qualified to buy a house locally, they can start planning to buy a house. The first thing buyers have to do is to buy a house budget. If buyers choose to buy a house by loan, they need to prepare a down payment and a down payment. Before calculating the down payment and down payment, everyone should have thought about what kind of house to buy and know the down payment needed for buying a house with a loan.
3. Looking at the house and choosing the house: After making the purchase budget, buyers can go to their favorite real estate to look at the house and choose the house. When choosing a house, they should pay attention to the combination of factors such as floor, orientation and apartment type. Each property has different requirements when the other party sells the house. Property buyers should pay attention to and sales staff to understand whether the property supports mortgage to buy a house Bank. In addition, it should be further confirmed whether the real estate developed and built by the developer has bank support to ensure the smooth access to mortgage loans.
4. Pay the down payment: If the buyer has chosen the house and confirmed all other contents of the house purchase, he can pay the down payment. The deposit is legally binding. If the buyer defaults, the deposit can't be recovered. If the developer defaults, it is necessary to double the deposit, but the purchase deposit is not necessary, and the buyers can choose not to pay it.
5. Signing a house purchase contract: Generally, a house buyer can pay a down payment and sign a house purchase contract within a few days after paying the down payment. I believe everyone knows the importance of the purchase contract. The contents of the purchase contract generally include the area, unit price, total price, building, floor, unit and account number of the house. Buyers of these contents must read them carefully. If the property buyers have other questions when signing the purchase contract, they can also negotiate with the developers about the relevant precautions and supplementary terms.
6. Go through the loan procedures: After the house purchase contract is signed, you go to the bank to go through the loan procedures. There are generally three kinds of housing loans: provident fund loans, portfolio loans and commercial loans; According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. Property buyers should choose their own loan methods and repayment methods according to their own conditions.
7. Waiting to pick up the house: When the purchase procedures are completed, it is time to hand over the house. Now most of the new houses are auction houses, and you need to wait until the house is built before you can take it. When handing over the house, the buyers have to go through the house acceptance step. Property buyers can ask a special home inspector to inspect the house from top to bottom and from inside to outside in accordance with relevant industry standards, which is more reassuring.