Buying a house is a major event in life, and it is also a big expense. The process of buying a house with a loan needs to be understood. That's the truth of being prepared. Some seemingly complicated problems will feel deja vu when understood.

First, what is a loan to buy a house?

Many people don't know the meaning of buying a house with mortgage loan. Bian Xiao will tell you. Mortgage loan refers to the personal housing loan business in which the purchaser takes the purchased house as collateral and the real estate enterprise provides regular guarantee.

Second, the mortgage loan to buy a house application conditions

1.18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Third, the process of buying a house by loan

1. The borrower signs a house purchase contract (or purchase intention) with the real estate agent;

2. Deposit the down payment or pay the down payment to the developer;

3. The borrower opens a personal settlement account in the bank;

4. The borrower consults and provides loan application materials, commonly known as "face-to-face signing";

5 bank audit materials, loan investigation, review and approval (7 working days);

6, the borrower, the developer and the bank signed a personal housing loan guarantee contract, the developer issued a letter of guarantee (deposit);

7. The borrower and the bank go to the notary office to notarize the contract;

8. Apply for pre-mortgage registration, obtain pre-mortgage certificate and handle insurance business;

9. Lend the loan to the borrower's account. According to the entrustment of the borrower or the contract, transfer the money to the settlement account opened by the real estate agent in the bank and return the development loan according to the contract;

10. After handling the real estate license, handle the legal and effective mortgage registration, and the developer's staged joint guarantee will be automatically lifted;

The above is the process and requirements for buying a house with a loan. Before applying for a loan, everyone should communicate to confirm whether it meets the requirements. If they meet the requirements, they should also carefully prepare the bank's face-to-face signing while carefully preparing the information. Only in this way can we successfully get a loan to buy the house we like.

1 1. The borrower repays the loan on time;

12. After all the loan principal and interest are settled, go through the mortgage cancellation registration procedures.

(The above answers were published on 2015-12-13. Please refer to the actual situation for the current purchase policy. )

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