If you accumulate funds.

The first-time home purchase loan can enjoy a down payment of 30% and a maximum loan of 70%.

The bank loan is like this. First, the bank evaluates the house.

The evaluation price (you can let more evaluation companies do it, try to be the highest, and whoever is the highest will use it) does not mean that you can get a loan of 500 thousand if you want 500 thousand.

Then sign a bank mortgage contract.

In addition, the following information needs to be submitted:

ID card, household registration book, proof of income (the monthly income is more than twice the monthly payment, so you can fill in a little more for the company to stamp), half-year bank current account, marriage certificate, payment passbook, provident fund card or passbook.

As for the monthly payment, it depends on how long you have been doing it (the loan period is generally calculated according to the age of the building and your age). Thirty years at most). The bank has a mortgage interest rate table. You can calculate it yourself, that is, the total loan amount * monthly interest rate = your monthly payment. This bank will do the math for you. You can do it yourself. I don't remember the monthly interest rate. You can check the latest forms online. )

The bank will issue a "loan agreement" after examination (7 working days).

Then you can go to the Housing Authority to go through the real estate formalities.

Property transfer, transfer to mortgage department, bank loan.

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