After paying the down payment, when can you apply for a loan at the latest

After paying the down payment, how long should you go to the bank to apply for a loan? This country has no clear regulations, but after signing the house purchase contract online It needs to be filed with the Housing Authority within 10 working days.

After buying a house, the buyer and seller need to sign online first, and then go to the bank to apply for a loan, transfer the property, and make a mortgage payment. Depending on whether it is a first-hand house or a second-hand house, the following is true:

1. First-hand house House mortgage loan

If you are buying a newly developed house, you need to use the newly purchased property as a mortgage and apply for a mortgage loan yourself. Loan procedures require: Identity certificates of the borrower and his wife, household register, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), house-free certificate, unit income certificate, and guarantee certificate from the guarantee company. Generally, developers collectively handle first-hand housing mortgages, which is relatively simple.

2. Second-hand house mortgage loan

If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.

Loan procedures require: identity certificates of the buyer and seller, household register, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax receipt, appraisal report, income certificate of the buyer and his wife and no house ownership prove.

Extended information

The amount of down payment is determined according to the national policy at that time. For example: a house of 30,000 yuan/square meter, a house of 100 square meters is 3 million yuan. So, 20% down payment is 600,000, 30% down payment is 900,000, and 40% down payment is 1.2 million.

In the "Notice of the General Office of the State Council forwarding the opinions of the Ministry of Construction and other departments on adjusting the housing supply structure and stabilizing housing prices", in order to curb the excessive rise in housing prices, starting from June 1, 2006, personal housing mortgage loans The down payment ratio shall not be less than 30%. Taking into account the housing needs of low- and middle-income people, the down payment ratio of 20% is still required for those who purchase self-occupied houses with a floor area of ??less than 90 square meters.