The basic steps of buying a house with a bank loan?
1, select real estate. Confirm whether the real estate built by the developer is supported by the bank to ensure the smooth access to mortgage loans. Apply for a mortgage.
2. Sign a house purchase contract. After examination and confirmation that the purchaser meets the mortgage loan conditions, a loan consent notice or a mortgage loan commitment letter will be issued. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
3. Sign a house mortgage contract. Define the amount, term, interest rate, repayment method and other rights and obligations of mortgage loan.
4. Apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.
5. Open a special repayment account. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser. The borrower repays the loan regularly as stipulated in the contract.
How to borrow money from the bank to buy a house?
1. There are many channels for loans, and banks are just the usual channels. First ask yourself what to do with the loan? It's not too late to find out the purpose and then find a loan channel.
2. If it is used for consumption, you can apply for a credit card, which is considered as a bank loan. The bank will give you a credit card limit according to your repayment ability. If the repayment is made on time and the credit remains good, the credit card limit will be gradually increased after a period of use. Generally, if there is no credit stain, just bring your ID card.
3. If you have Alipay and accumulated sesame seeds, you will have a loan line for your temporary emergency (consumer loan), but you have to pay interest, so you can't answer for a long time, just an emergency.
If you want to buy bulk commodities, you can consider going to the bank for commercial loans, but you must have collateral (real estate, cars, companies, etc.). ). Bring your ID card, household registration book, real estate license, marriage certificate, etc. , and go to the bank credit department to apply for a mortgage loan, and then consult.
5. If you buy a house, you can get provident fund loans and bank commercial loans, but there are corresponding thresholds. If you buy a car, you can repay the commercial loan in installments. Consult the loan bank for details.
When we follow the basic steps of buying a house with my bank loan? After learning how to borrow money from the bank to buy a house, we found that it is not unusual to borrow money from the bank to buy a house. Now the banks are very formal, so don't worry. It is important to see whether you meet the conditions of the loan. I hope my introduction above can help you.