If you need to apply for a personal first-hand housing loan, you must meet the following conditions:

1. Have permanent residency or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for specific conditions);

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Must pay the down payment of the purchased house that meets the requirements of relevant laws and regulations;

5. Provide effective guarantee recognized by the lender, etc.

To apply for a personal first-hand housing loan, you need to submit the following materials:

1, loan application;

2. Legal and valid identity documents;

3. Proof of marital status;

4. Proof of paying the down payment of the purchased house;

5. Proof of economic income recognized by the lender;

6, the purchase of housing contracts, agreements or other valid documents;

7. List of collateral (pledge) secured by the loan, ownership certificate, consent certificate of the person who has the right to dispose of the collateral (pledge) and collateral valuation documents;

8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him;

9. Relevant documents authorizing the lender to inquire about the personal credit information system of the People's Bank of China and record the inquiry results.

As there are differences in policies and requirements for handling loans in different regions, please consult the local outlets of Bank of China in detail.

The above contents are for your reference. Please refer to the actual business regulations.

What is the main process of buying a house with a commercial loan?

Now the industrial structure and the speed of urbanization in China are obvious to all, which has brought huge demand for the development of the property market, and the rise of house prices has not exceeded the maximum bearing capacity of the market supply and demand. People have to choose commercial loans to buy houses in real life to solve the current problems. The key is that many people don't know much about it when they first buy commercial housing. What is the main process of buying a house with a commercial loan? 1. What is the main process of buying a house with a commercial loan? (1) Buyers who want to get mortgage services should pay attention to this aspect when choosing real estate. When buyers learn in advertisements or through the introduction of sales staff that some projects can apply for mortgage loans, they should further confirm whether the real estate developed and built by developers has obtained the support of banks to ensure the smooth acquisition of mortgage loans. (2) After confirming that the selected property is supported by bank mortgage, the buyer applying for mortgage loan should know about the bank's regulations on mortgage loan support to the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the mortgage loan application form. (3) The bank that signed the house purchase contract receives the relevant legal documents of the mortgage application submitted by the purchaser, and after confirming that the purchaser meets the mortgage loan conditions through examination, it will issue a loan consent notice or a mortgage loan commitment letter to the purchaser. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents. (4) Signing a building mortgage contract After signing the house purchase contract and obtaining the proof of payment, the buyer will sign a building mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and clarify the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan. (5) Handling mortgage registration. Insurance buyers, developers and banks shall handle mortgage registration and filing procedures with the real estate management department on the basis of the Building Mortgage Loan Contract and the House Purchase Contract. If the auction house is delivered, the mortgage registration shall be changed after completion. Usually, due to the relatively long term of mortgage loans, banks require buyers to apply for life and property insurance to prevent loan risks. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. Before the loan principal and interest are paid off, the insurance policy is handed over to the bank. (6) After the signing of the mortgage loan contract, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account. The bank confirms that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. 2. Natural persons with loan terms of 1 and ages of 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed). 2. They have stable jobs, stable income and the ability to repay the loan principal and interest on time. 3. The actual age of the borrower plus the loan application period should not exceed 70 years old. 4. They have legal and valid purchases. 5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses. 6. Assets recognized by the loan bank are mortgaged or pledged, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity are used as guarantors. To sum up, the process of buying a house with commercial loans actually mainly includes the above six steps.

What is the commercial loan process for buying a new house in Beijing?

Buying a new house with a commercial loan is a relatively simple process. Property buyers basically submit loan application materials to bank staff or agents at the sales office, including ID cards, household registration books, income certificates, bank accounts, etc. After receiving the loan application, the bank will review the applicant's information and qualifications, and if it passes the review, it will sign a loan contract and issue loans.

1. What materials should I prepare to apply for a commercial loan?

Because of the face-to-face signing and application location of commercial loans for new houses, most of them are located in sales offices. Therefore, when applying for a commercial loan, you need to take the prepared materials to the sales office and give them to the bank staff or the staff of the agency company on the day of signing the contract. The materials to be prepared are as follows:

Different borrowers need to prepare slightly different materials.

Note: Family bank running water can be appropriately distinguished from income certificate, and bonus and other contents can be included in income. Second, what is the process of commercial loans?

Submit loan information-loan qualification examination-sign loan contract-issue loan.

1. Submit loan information

Generally speaking, the developer will have one or more designated cooperative loan banks, and you can choose one of them to handle housing loans. Bring the required materials and give them to the bank staff.

2. Loan qualification examination

The bank examines the lender's loan qualification, including the authenticity of personal information, age, personal credit record and income. Among them, in terms of the age of applicants, many banks over 65 no longer accept loan applications. In the personal credit record, if the overdue number is three to six times, the bank will refuse to lend, and if the individual owns two or more houses in Beijing, the bank will refuse to lend.

The income needs to reach twice the monthly loan application, and it needs to cover all liabilities in the individual's name, including car loans. Generally, the bank will require the applicant to provide the details of the bank flow in the past six months to prove his income ability.

Proof of income is very important, so please keep in mind the above precautions.

After receiving the loan applicant's materials, the bank will examine the loan applicant. General commercial loans take 7- 10 working days (the specific review time is subject to each bank).

3. Sign a loan contract

After the approval of the bank, a formal loan contract will be signed with the applicant. In practice, the borrower will sign the loan contract when submitting the materials, but the bank will stamp the contract only after approval.

Step 4 lend money

After the loan process is completed within the bank, the loan will be directly distributed to the developer, and the applicant needs to repay the loan to the bank every month. It should be noted that if the applicant purchases an auction house, the bank will issue the loan only after the auction house is capped.

3. What is the interest rate of commercial loans?

The bank loan interest rate is implemented according to the interest rate issued by the central bank. At present, the interest rate of commercial loans over five years is 4.9%. However, some banks will also have preferential interest rates, and the specific interest rates need to be consulted.

The process of buying a new house and getting a commercial loan is relatively simple. As long as the applicant prepares the business loan interview materials, other steps are basically not handled by himself, and the agent of the developer or agency will help you.

This content is only applicable to Beijing.

How to take the loan process to buy a new house?

Now many families can't pay the house price in one lump sum because of their own economic situation, so they choose to buy a house with loans. Compared with buying a house in full, the process of buying a house by loan is more complicated and there are more procedures to be handled. Let's share with you how to get to the loan process of buying a new house. If you want to know, just keep reading!

1. Before applying for a loan, you need to go to the bank in person to understand your personal situation and check whether your personal credit information meets the conditions for handling a loan. In this process, the bank will review all aspects of the lender and determine the loan amount according to the actual situation of the loan.

2. After confirming that you meet the loan conditions, you should sign a house pre-sale contract with the real estate developer and prepare the materials needed to apply for a loan, such as your ID card, household registration book and house pre-sale contract. If the lender is married, he needs to bring a marriage certificate.

Take the prepared materials to the bank to apply for a loan. There are three ways for lenders to choose, namely, commercial loans, provident fund loans and mixed loans. Lenders can choose one according to their personal needs. If the lender is married, both husband and wife need to be present when signing the loan agreement.

4. After signing the loan agreement, hand it over to the bank handling personnel together with the materials. The handling personnel will send the lender's materials to relevant departments for review. If you choose a housing provident fund loan, you should also submit the materials to the local housing provident fund management department for review.

5. After verification by relevant departments, the bank approves the loan. After the developer gets the house payment, the lender only needs to repay the house on a monthly basis, and the process of buying a house by loan ends here.

Summary: The relevant content about how to go about the loan process of buying a new house is introduced here for everyone, hoping to help everyone. Before we apply for a loan, we can understand the process and prepare the required materials, which is very helpful for us to apply for a loan!

What is the loan process for buying a house?

Buying a house by loan is the most common in today's society. Compared with high housing prices, it is not so easy to buy a house in full, and buying a house with a loan can reduce the pressure on buyers. Then, do you know the process of buying a house and lending, and how long it takes to buy a house and lending? Now let's have a look.

First, the purchase loan process

1, choose the house you want to buy; 2. Submit the housing loan application and related materials to the bank; 3. Bank review materials; 4. After the approval of the bank, sign a house purchase contract with the developer; 5. Sign a housing loan contract with the bank; 6. The Housing Authority shall record the loan situation; 7. The bank will lend to the developer and the buyer will start to repay the monthly payment.

Second, how long does it take to buy a house and get a loan?

1. When buying a new house, you need to apply for a loan. Since the property will have a pre-sale certificate at this time, the buyer only needs to apply directly to the bank. Bank staff will review the buyer's information and inquire about the buyer's credit information. As long as there is no problem, they will reply to the buyer in about 3 days. At this time, the purchaser can submit ID card, income statement, down payment voucher and purchase contract.

2. After the lender submits all materials, the bank will conduct internal examination and approval, and go to the Housing Authority for mortgage procedures. It usually takes about 65,438+00 working days here. After other warrants are issued, the loan will be issued to the developer within 3 working days.

3. It should be noted here that if you apply for a commercial loan, it will take about 65,438+05 ~ 30 days from the date when you submit the materials to the date when the bank issues the loan. If the provident fund loan is used, more institutions will be involved and the audit process will be more troublesome, so it will take longer, about 30 to 60 days.

I'll introduce the process of buying a house and getting a loan, and how long it will take. Are you clear? It's best to have a certain understanding of the loan process, otherwise you will spend more time on it because you don't know the loan process.