From the process of buying a house by loan, we can know that before applying for a loan, online signing means applying for a loan first, and then approving the loan.
The general process of buying a house with a loan:
1, field trip;
If you buy an existing house, you can intuitively see the structure and apartment type of the house, but if it is an auction house, you can choose the house according to the apartment type map.
2. Negotiate and sign the sales contract;
After the target is determined, it will enter the negotiation stage of substantive contact with the seller. Buyers and sellers must put their rights and obligations into words, especially the key terms such as housing area, payment method and property status.
3. handle loans;
Second-hand housing can handle commercial loans. According to one's own financial resources and various conditions of the house purchased, comprehensively consider the amount and duration of the loan. Intermediary companies should assist in handling loan procedures in accordance with relevant bank regulations.
4. handle the transfer of property rights.
The name of the original seller should be changed to the name of the new buyer. Prepare relevant materials under the guidance of the intermediary company, and then the warrant personnel will assist in the formalities of property right transfer.
Extended data:
Matters needing attention in buying a house by loan
1. During the transaction, ensure that the seller's double certificates are complete, and the sales contract will take effect only after all the * * * people on the real estate license personally sign it, so as to prevent the signing or omission.
Second, the expenses involved in the whole transaction process are not collected at one time, so it is necessary to clarify all the detailed expenses in advance as far as possible to avoid adding various miscellaneous fees in the middle.
3. Choose a well-known celebrity or a formal real estate agency as the supervisor of the delivery of funds and houses by both parties to the transaction, so as to ensure the smooth transfer of ownership after the payment, or the house and money are paid off after the transfer.
4. The buyer should pay attention to whether the purchased house is in mortgage state to determine the transaction and occupancy time.
5. The buyer should clearly determine the conditions and expenses required for the loan before the transaction to prevent the transaction loss caused by the loan problem after the transaction.
Six, the registration of property rights and related water, electricity, cable TV, gas and other transfer and housing situation to find out one by one.
Baidu encyclopedia-online signing
Baidu encyclopedia-loan to buy a house process