First of all, you must sign a formal purchase contract with the developer. When signing a contract, you should read the contract details carefully to prevent the overlord clause.

After signing the contract, we have to pay the corresponding down payment ratio first, and then take our own contract to the bank to apply for a loan. When applying for a loan in a bank, you need to submit your own identity certificate, marriage certificate, work certificate, income certificate and other materials.

(3) provide relevant certificates, the staff for review. If there is no problem with the materials and we meet the loan conditions, the bank will inform us to sign a formal loan contract.

Of course, after the applicant signed the mortgage loan contract with the bank, the loan relationship between the bank and the applicant has been established. After that, the bank will issue the loan according to the time stipulated in the contract, and the applicant needs to repay his loan principal and interest every month. Be careful not to overdue, otherwise it will affect the credit investigation.

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