After determining the housing, consult the relevant banks, learn about the relevant provisions of mortgage loans from the banks, prepare the documents required by the banks, fill in the mortgage loan application form and submit it to the banks for review.
2. Sign a house mortgage contract.
After signing the purchase contract, the whole process is halfway through. Next, buyers need to sign mortgage loan contracts with developers and banks with purchase contracts, down payment vouchers and related legal documents. The contract will clearly stipulate the loan amount, loan term, repayment method and related rights and obligations.
3, Housing Authority for the record
Hold the "Housing Mortgage Loan Contract" and the purchase contract to the relevant departments of the Housing Authority for mortgage registration. Only the successful filing means that the previously signed contract is valid, and the next mortgage registration and repayment can be carried out.
4. Open a special repayment account to start repayment.
After the Housing Authority successfully files a case, the bank will designate a financial institution to the buyers according to the contract and open a special repayment account to start repayment.
What are the benefits of mortgage to buy a house?
1. You can buy a house with a down payment.
One of the great benefits of buying a house with a loan is to seize a better opportunity to buy a house. Want to save money to buy a house, the current real estate market is one price a day, and the speed of saving money can't keep up with the speed of rising house prices. A loan to buy a house is a loan to buy a house from a bank. You don't need to invest too much money in the early stage, and you can own your own house with a down payment. This is a great benefit for buyers who don't have much money. For example, if you want to buy a house with a total price of 3 million in Beijing, you can buy it if you have 6.5438+0.05 million.
2. Reduce the risk of buying a house.
Banks cannot provide loans for all kinds of houses. If you buy a new house now, many of them are faster. I believe everyone is worried about the risk of buying an auction house. If you buy through a bank loan, the bank will also consider the risk of the loan. Therefore, banks will naturally care about the pros and cons of real estate projects. For some risky properties, banks generally will not provide loans. In addition to auditing the lender itself, the bank will also audit the developer to check for the lender and improve the safety of buying a house.
What are the disadvantages of mortgage to buy a house?
1, heavy debt
It is not free for the bank to lend the borrower a house, and the corresponding property buyers need to pay the interest fee of the loan to the bank. If they borrow money to buy a house, the buyers will have to bear heavy debts and become house slaves. After becoming a house slave, buyers need to repay the bank at a fixed time every month, including the interest expenses generated by a large loan. Mortgage loan to buy a house is a typical "spend tomorrow's money to do today's things", so mortgage payment is not suitable for conservative people.
This process is very complicated.
If you buy a house in full, buyers don't need to go through the bank loan step, so the process of buying a house is much simpler, while the process of buying a house with a loan is much more complicated. The process of buying a house by loan is complicated, which is mainly reflected in a series of processes such as applying for a loan, submitting materials, bank audit, and lending after approval, which takes a long time. In addition, if you want to sell a house in the future, the loan of the house has not been repaid, which is not conducive to the delisting of buyers.