Best answer

The purchase contract is the property of both husband and wife, and it is the running water that both husband and wife must provide when they apply for mortgage loan to buy a house.

Mortgage to buy a house loan conditions:

/kloc-a natural person aged 0/8-65;

Have a valid ID card;

Good credit information and no bad records;

Have a stable job and a stable income;

Commercial housing sales contract or letter of intent with the purchased house;

Have the ability to pay the down payment of the purchased house;

Open a personal settlement account in a bank with effective guarantee;

Other conditions stipulated by the bank.

Information to be prepared by mortgage to buy a house:

Original and photocopy of the ID card of the borrower and spouse;

The original and photocopy of the household registration book of the borrower's husband and wife;

Proof of marital status;

Original purchase agreement;

Original and photocopy of the advance receipt for 30% or more of the house payment;

Proof of income;

Bank flowing water;

Academic certificate;

Bank deposit certificate;

Other financial certificates;

The developer's collection account number;

Other materials specified by the bank.

Mortgage to buy a house loan process:

Choose real estate;

Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth acquisition of mortgage loans;

Apply for mortgage loan;

Sign a house purchase contract. After examining and confirming that the property buyers meet the mortgage loan conditions, they will be issued with a loan consent notice or a mortgage loan commitment letter;

Property buyers can sign a "pre-sale contract for commercial housing" with developers or their agents;

Sign a house mortgage contract. Clarify the rights and obligations such as the amount, term, interest rate and repayment method of mortgage loan;

Handle mortgage registration and insurance. Usually, due to the relatively long term of mortgage loans, banks require buyers to apply for life and property insurance to prevent loan risks;

Open a special repayment account;

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the purchaser;

The borrower repays the loan regularly according to the contract.

Second, how to ask banks to transfer loans?

1. Provide the latest bill. It's best to have the bill for the past six months, which has no reference value, so it is recommended to approve the loan.

It is best not to have a running account, that is, the bank account has not been opened for a long time. Banks and lending institutions may know when they see this running account.

3. The running bill should not be too small. If most of the running water provided by the borrower is small, such as tens or hundreds of dollars, it cannot reflect the borrower's repayment ability, but it may also make banks and lending institutions suspect that they are unable to repay the loan, resulting in the loan being rejected.

If the borrower can't provide qualified running bills, provident fund deposit certificates, tax payment certificates, etc. As a supplement, capable people can also provide more information about assets and financial resources.

Precautions:

Because many people can't provide bank flow, or the bank flow is not up to standard, they will think of forging bank flow to get away with it. As we all know, banks are liquid, and once applicants are found to provide false loans. It will also be considered that the applicant has committed fraud in the loan, which will greatly affect the city.

Third, how to ask banks to transfer loans?

As we all know, when applying for loans, banks and lending institutions generally ask borrowers to provide running bills, so as to evaluate the economic life and income level of borrowers. To provide a qualified loan journal, you need to do the following: 1. To provide the latest bills, it is best to provide the bills in the past six months. The running account of a few years ago has no reference value and is not very helpful for loan approval. 2.？ It's better not to deposit and withdraw the running bill immediately, but to deposit and withdraw it now, that is, just after depositing it in the bank account. Because of this running account, banks and lending institutions will know that customers "do" it themselves. 3.？ The journal cannot be too small. If most of the running water provided by the borrower is small, such as tens or hundreds of dollars, it cannot reflect the borrower's repayment ability. On the contrary, it may make banks and lending institutions doubt that they are unable to repay their loans, resulting in loan rejection. If the borrower can't provide qualified running bills, he can provide social security payment certificate, provident fund deposit certificate and tax payment certificate as supplements, and those who have the ability can also provide more information on assets and financial resources.