The process of buying a house with a loan
1.
When buying a house, some buyers will think that the object of house purchase restriction is mainly people who have already bought a house. If they have never bought a house, they will not be affected by the purchase restriction, but it is not necessarily true, especially for friends who want to buy a house in these big cities. The first thing to know is whether they are qualified to buy a house. Generally speaking, buyers with local hukou can buy their first suite locally, while buyers with foreign hukou need to meet certain tax or social security requirements.
2. Prepare down payment and house purchase deposit.
Although it is now possible to buy a house with a loan, buyers still need to pay the down payment to the developer before handling the loan, so buyers should think about what kind of house to buy when buying a house and know the down payment required for buying a house with a loan. In addition, when looking at a house, if you meet a house that suits your mind, you usually need to pay a house purchase deposit.
3. Looking at the house and choosing a house
When buying a house, the buyer definitely needs to look at the house and choose the house. For buyers who want to apply for a loan when buying a house, they should pay attention to the loan when choosing a property. When buyers learn in advertisements or through the introduction of sales staff that some projects can apply for mortgage loans, they should further confirm whether the real estate developed and built by developers has obtained the support of banks to ensure the smooth acquisition of mortgage loans.
4. Pay the down payment for house purchase
When a buyer buys a house, the developer usually asks the buyer to pay a certain deposit or deposit. At this time, buyers themselves must pay attention to whether they have paid the deposit or not, and the deposit is legally binding. If the buyer violates the contract, they can't get back the deposit, and if the developer violates the contract, they need to double the deposit. Deposit is not expressly stipulated in the law, generally refers to a certain amount of money paid in advance, without compensation for breach of contract.
5. Pay the down payment and sign the house purchase contract.
In housing transactions, the significance of the purchase contract is definitely very important for the buyer, because the purchase contract usually contains a lot of information about the house. The contents of the purchase contract generally include the area, unit price, total price, building, floor, unit and number of households of the house. At the same time, it is necessary to negotiate relevant precautions and supplementary terms, including the division of responsibilities and handling methods for unexpected situations after the delivery of the house.
6. Go through the mortgage formalities
When buyers have determined that they can apply for a loan in the bank, they should determine the loan method they want to apply for. Generally speaking, the loan methods mainly include provident fund loans and commercial loans, and the repayment methods also need to be determined by the buyers. There are two repayment methods: equal principal and interest repayment and equal principal repayment. Buyers should choose products that suit them according to their actual situation.
7. Waiting for the delivery of the house
If the house purchased by the buyer is a new house, it will definitely take some time to pick it up, because most new houses are faster now. When delivering the house, buyers can invite special home inspector to inspect the house from top to bottom and from inside to outside according to relevant industry standards, including inspecting outdoor venues, roofs, basements, floors, attics, water and electricity facilities, and starting heaters, air conditioners and other equipment.