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. Buying a house with a loan can reduce the pressure on buyers. So, do you know the process of buying a house and getting a loan? How long does it take to buy a house and get a loan? 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 audit 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 give the loan to the developer, and the buyers will start to pay back 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 there will be a pre-sale certificate for the real estate at this time, buyers only need to apply directly to the bank. Bank staff will review the information of buyers and inquire about the credit information of buyers. As long as there is no problem, they will reply to the buyer in about 3 days. At this time, buyers can submit ID cards, proof of income, down payment vouchers and purchase contracts.
2. After the lender submits all the materials, the bank conducts internal examination and approval, and goes through the mortgage formalities with the Housing Authority. It usually takes about 65,438+00 working days here. After other warrants are issued, the developer will be given money within 3 working days.
3. It should be noted here that if you apply for a commercial loan, it will take about 15 ~ 30 days from the date when the materials are submitted to the date when the bank issues the loan. If the provident fund loan is used, there will be more institutions involved and the audit process will be more troublesome, so the time will be longer, about 30 to 60 days.
Regarding the process of buying a house and lending, how long it takes to buy a house and lending, I will introduce it here first. 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.
What are the procedures for buying a house with a bank loan?
To apply for a personal first-hand housing loan in Bank of China, you need to submit the following materials:
1, loan application;
2. Legal and valid identity documents;
3. Proof of marital status;
4. Proof that the down payment of the purchased house has been paid;
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, certificate of ownership, certificate of consent 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. Authorize the lender to inquire about the personal credit information system of the People's Bank of China and record the relevant documents of the inquiry results.
As there are differences in policies and requirements for handling loans in different regions, please consult the local China Bank outlets in detail.
The above contents are for your reference. Please refer to the actual business regulations.
How to borrow money to buy a house?
Individuals buy a house, almost everyone can't escape the loan, but what are the procedures for individual housing loans? How to apply for a personal loan and what information do you need to apply for a personal housing loan? The following small series collects some procedures about personal housing loans, hoping to help you! The first step of commercial loan: there are three specific things to register for tax payment. Property buyers and developers sign pre-sale contracts and sales contracts; Buyers pay the down payment according to the specific requirements of the developer; Property buyers and developers each pay stamp duty at the rate of 0.5% of the house price. The second step of commercial loan: the pre-sale registration step is generally handled by the developer. The third step of commercial loan: after submitting the application to the on-site lawyer of the law firm designated by the bank, it begins to enter the substantive loan stage. When submitting the application, the buyer must provide the following information: 1. Id card (original and copy) 2. Household register (original and copy) 3. Temporary residence permit (only for foreign buyers, 3 originals and copies) 4. Marriage certificate (original and 3 copies) 5. Academic certificate (3 originals and 3 copies) 6. Copy of business license of legal person or private enterprise (original or copy with official seal) 7. Professional income and proof of income (3 originals and photocopies) 8. Beijing Commodity House Pre-sale Contract (Sales Contract) (original and photocopy 2) original and photocopy 3) 10. Notice of approval for individuals from other provinces and cities to purchase houses in Beijing (3 originals and photocopies are required for purchases from other provinces and cities) shall be stated, and the applicant shall also provide the above information when there is an applicant. The fourth step of commercial loan: fill in the application materials. The loan lawyer will assist the buyers to fill in the application materials. The information specifically includes: 1. Application form for individual housing loan in quintuplicate. 2 individual housing loan contract description. 3. Receiving the contract for the ownership certificate of the loan house. 4. Power of attorney. 5. Commitment letter. 6. Dialogue record. 1. After completing the first four items, the developer must also require the buyers to pay 0.3% of the loan amount. The fifth step of commercial loan: the lawyer reviews the information and transfers it to the bank for commercial loan. Step 6: After signing the loan-related contract, the bank will review the lender's credit, loan amount and loan term. Signed a series of contract documents with the Lenders Association: 1. Individual housing loan contract in quintuplicate. China Pacific Insurance Company Personal Housing Insurance Application Form 1 in triplicate. Transfer Certificate of Personal Housing Guarantee Loan 1 copy 4. Stamp card 1 5 copies. Electronic money card application form. 65,438+0 deposit receipts. It should be noted that when signing the insurance policy, the house property insurance premium, the cost of repayment card (3 yuan) and the deposit of repayment card (10 yuan) should be paid, and all documents should be signed by the insured himself. If there are * * * applicants, all applicants should be present to sign. The seventh step of commercial loan: the loan applicant repays the loan every month.
All the detailed procedures for buying a house with a loan
1. Inquire about the qualification of buying a house.
Before buying a house, buyers should first understand whether they meet the local conditions for buying a house, especially those friends who want to buy a house in these big cities. If they are not qualified to buy a house locally, they can't apply for a loan to buy a house.
2. Estimate the purchase funds.
Buying a house with a loan is not just a down payment. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures.
3. Look at the house and choose a house.
Property buyers should follow a principle when choosing a house, that is, what suits them is the best. When choosing a house, they should determine the location according to their own living and working scope, and pay attention to various problems such as apartment type, floor and environment.
4. Pay the down payment and sign the contract.
Although most buyers will pay a deposit after choosing a house, the deposit is voluntary and buyers can choose not to pay it. After the buyers choose the right house, it is time to pay the down payment and sign the contract.
5. Go through the mortgage formalities.
After the house purchase contract is signed, the buyers can go to the bank to handle the mortgage formalities with the information prepared in advance. There are generally two kinds of mortgage loans: provident fund loans and commercial loans.
6. House handover.
If you buy an auction house, you usually have to wait a year or two to pick it up. If you buy an existing house, it will not take long to deliver it.
Matters needing attention in buying a house by loan
The minimum down payment ratio of commercial loans to first-hand houses is 30%, and the down payment of second-hand houses is the same as that of first-hand houses, but the first-hand houses pay 30% of the total house price and the second-hand houses pay 30% of the loan evaluation value. The down payment ratio of provident fund loans: the down payment ratio of the first suite with a building area of 90 square meters or more is not less than 20%, and the down payment ratio of the first suite with a building area of 90 square meters or more is not less than 30%.
According to the latest mortgage regulations, the first suite usually needs to prepare 30% down payment, and the second suite needs to prepare at least 40%. In addition, considering the interest rate, people who borrow money to buy a house should prepare more funds, and it is best to ensure that their monthly income is more than twice the monthly payment, which will help improve the mortgage pass rate.
At present, there are two main ways for bank loans to buy a house, equal principal and interest and average capital. Although the average capital interest is low, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.
The introduction of the new house loan process and the new house loan process have come to an end. I wonder if you have found the information you need?