buying a house, as one of the most important things in life, is a difficult problem that puzzles people the most. The housing transaction is not so easy to understand from the basic understanding to the procedures, and the capital problem can be said to be the most complicated one. The previous solution to the capital treatment was to borrow money, but now it is easy to have a loan problem. Then the problem comes, how to borrow money to buy a house? What should I pay attention to when buying a house with a loan?

how to get a loan to buy a house?

1. Take the ID card of the buyer and go to the building to see the building.

2. Select the house, copy the ID card and submit it to the sales department, and sign the commercial housing subscription book in duplicate, one for each party.

3. Buyers pay a down payment, generally ranging from 3, to 5,, and the developer issues a down payment receipt.

4. In the signed commercial housing subscription book, it is generally agreed to sign a formal Commodity House Purchase Contract within one week.

5. When signing the commercial housing subscription book, the property buyers can choose to pay the house price by lump sum payment or loan.

6. If the buyer applies for a loan, the sales department will ask the buyer to provide the original ID card, household registration book, unmarried certificate, income certificate and so on, and ask a lawyer to review it. The lawyer's fee will be paid by the buyer, generally in 2 yuan.

7. The buyer pays more than 2% of the down payment, and 4% or 5% of the down payment for the second set. Formally signed the Commercial House Purchase Contract and loan application documents in quadruplicate (there are many, so I won't list them here).

8. The sales department will send all the application materials of the buyers to the bank for review.

9. After the approval of the bank, the loan will be paid to the developer's account, and the developer will notify the buyer to take over the building (after the completion acceptance) and issue an invoice for all the house payment to the buyer.

1. The developer handles the Property Ownership Certificate, but the lender can only get back the original after paying off the bank loan.

what should I pay attention to when buying a house with a loan?

1. It is very important to have a good personal credit record. If there is an overdue record of six months for three consecutive months, the bank will basically not lend you money.

2. proof of income. the proof of income should cover twice the liabilities in the name of the individual. in the month when the bank is running, it needs to be issued according to the requirements of the specific bank.

3. Keep the purchase invoice. The loan purchase invoice includes the down payment invoice and the loan invoice. If you buy an existing house, you need to pay taxes with these two invoices when you pay taxes; If the purchase is faster, there is a difference in area, developers will generally re-open a down payment invoice and recycle the previous invoice. If the down payment invoice is accidentally lost, the developer will not change the invoice, and the buyer needs to go through the formalities of missing the invoice, because there is no way to make up the invoice.

4. Provident fund loans It should be noted that the provident fund loan needs to be paid in full for 12 months in a row, and it is still being paid before applying for a loan. Compared with commercial loans, provident fund loans take a relatively long time.

have you learned how to buy a house with a loan? What should I pay attention to when buying a house with a loan? After that, you can know about the specific loan procedures by yourself. The loan is difficult, but it is not impossible to handle. It is still easy to implement the loan to buy a house. You can also take a look at the loan types when you have time. You can choose the one that suits you after all among various loan methods. It is easy to handle, but you can also maximize the benefits and kill two birds with one stone.