Under normal circumstances, the process of buying a house by loan is to go to the real estate and then pay the down payment, then pay the down payment with its own funds and sign a contract with the developer to obtain relevant information including the down payment certificate, and then submit the prepared information to the bank for approval.

After approval, the bank will notify the lender to sign a loan contract and finally wait for the bank to lend money. After the bank transfers the loan to the developer's account, the loan is completed. As long as the lender pays off the loan, cancels the mortgage and gets the property right certificate, it is enough.

Therefore, it is obvious that a loan to buy a house must first pay a down payment, get a down payment certificate, and then go to the bank to apply for a mortgage loan.

What should I pay attention to when paying the down payment?

1, for real estate information.

When buying a house, you must first understand the basic situation of the property. Before paying the down payment, you must go to the Land and Resources Bureau of the real estate in advance to consult the specific situation of the real estate, and confirm that the real estate developer has really made a good plan before making a purchase. Avoid some real estate developers who just go through the formalities and have no plans to start construction. After all, some real estate developers have waited for the real estate to open, and things that have not yet started have appeared many times.

2. Confirm whether the real estate developer has five certificates of real estate license.

Only when the developer's five certificates are complete can it be proved that the property can be sold and that the developer's procedures are complete. These five certificates are state-owned land use permit, construction project planning permit, construction land planning permit, commercial housing sales (pre-sale) permit and housing construction permit. Among them, the construction land planning permit and the commercial housing sales (pre-sale) permit must be confirmed before they can be purchased, because only in this way can the formality of this property be guaranteed. At the same time, when buying, we should pay attention to whether the house we choose belongs to the pre-sale scope.

Step 3 pay attention to the price

When buying a house, everyone is most concerned about the price. Everyone must read more books and ask more questions. Buying a house is a big event and costs a lot of money, so when buying a house, you must pay attention to the price at the time of purchase. If you are negligent, you will probably spend a lot of money, so the amount, method, time limit and liability for breach of contract must be clearly stipulated in the contract. If the developer asks you to pay part of the down payment first, but only gives you a receipt and does not sign the contract, the buyer will definitely not accept it. Because once there is a dispute in the later stage, the buyers will not be able to hold the other party accountable because of difficulties in proof and other reasons.