After using a house as a mortgage loan, the borrower can apply for a loan to buy a house if he has the ability to repay. When applying for a loan, the borrower's debt information will be recorded for the house that has been mortgaged. If the borrower's debt is too high, the bank may refuse the loan. However, good repayment habits for real estate mortgage loans are conducive to the approval of home loan. The process of applying for a home loan is as follows:

Select a property;

Confirm whether the property built by the developer is supported by the bank to ensure the smooth acquisition of the mortgage loan;

Apply for a mortgage loan;

Sign a house purchase contract. After the review confirms that the home buyer meets the conditions for the mortgage loan, the home buyer will be issued a loan consent notice or a mortgage loan commitment letter;

The home buyer can sign the "Commercial Housing Pre-sale and Sales Agreement" with the developer or its agent. Contract";

Sign a building mortgage contract. Clarify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations;

Process mortgage registration and insurance. Under normal circumstances, because the mortgage loan period is relatively long, in order to prevent loan risks, banks require home buyers to apply for life and property insurance;

open a special repayment account;

and After completing the relevant procedures, the loan will be transferred to the developer's bank supervision account at the bank at one time as the purchase price of the home buyer;

The borrower will repay the loan regularly in accordance with the contract.

Conditions for mortgage loans:

Natural persons aged 18-65;

Having a valid ID card;

Credit reference Good, no bad records;

Have a stable career and stable income;

Have a commercial housing sales contract or letter of intent to purchase a house;

Have the ability to pay Ability to pay the down payment for a house;

Open a personal settlement account in a bank and have a valid guarantee;

Other conditions stipulated by the bank.

Documents required to buy a house with a mortgage:

Original and photocopies of the borrower’s and spouse’s ID cards;

Original and photocopies of the household registration books of both the borrower and his wife ;

Proof of marital status;

Original copy of house purchase agreement;

Original and copy of receipt for advance payment of 30% or more of the house price;

Proof of income;

Bank statement;

Education certificate;

Bank deposit certificate;

Other proof of financial resources;

Other materials specified by the bank.