The process of buying a house with a down payment mortgage loan is as follows: first, raise funds by yourself, pay the down payment to the developer, and keep the down payment receipt after payment. Then fill in the "Personal Housing Loan Application Form" and other materials required by the bank, and the materials submitted by the bank will be examined and approved step by step. Audit materials meet the requirements of bank loans, notify them to apply for mortgage loans and sign housing mortgage loan contracts. Generally, the contract term does not exceed 30 years. After the completion, they need to apply for other housing warrants at the Housing Authority and transfer other houses.

How to calculate the down payment mortgage? The down payment ratio of commercial loans is usually around 30%, and the down payment ratio of provident fund loans is around 20%, but if you buy a second house, the down payment ratio will increase. If you want to calculate your own loan interest, you can first multiply your own loan principal by the annual loan interest rate, so that you can calculate the total interest. Before buying a house with a loan, you should understand the local purchase policy and loan policy, and at the same time find out whether you are qualified to buy a house. After knowing this, you should calculate the specific cost of your down payment and consider your future income when applying for a loan.

Is there any interest on the down payment? The down payment is usually paid in cash, and it cannot be paid in installments, let alone a loan, so there is no interest. After the two parties sign the house purchase contract, they need to pay the down payment to each other, and then both parties go through the transfer formalities in the real estate transaction hall. During this period, they need to pay some house taxes, and then they can get the real estate license in about 15 working days, and then go to the bank to go through the mortgage formalities after getting the real estate license.

The above is the answer to the down payment mortgage loan buying process. First of all, you have to sign the contract, then do the online signing, pay the down payment, then go to the real estate transaction hall to go through the transfer formalities, and finally you can get the real estate license, and then take the real estate license to the bank to make a mortgage loan.