2. Have a stable occupation and income.
3. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.
4. Have the ability to repay the loan principal and interest on schedule.
5. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.
6, there is a contract or agreement to buy housing.
7. Other conditions stipulated by the lending bank.
What is the process of buying a house with a loan?
1.
Before buying a house, buyers should know whether they are qualified to buy a house. Many first-and second-tier cities across the country implement purchase restriction policies. Generally speaking, buyers with local accounts can buy the first suite locally, while those with foreign accounts need to meet certain requirements of paying taxes or social security.
Step 2 choose a house
Before buying a house, you should have a clear understanding of your demand and ability to buy a house. When choosing a house, buyers should go to the scene to look at the house, focusing on whether the house has pre-sale qualifications. In the process of checking whether the real estate has the pre-sale qualification, the key point is to check the pre-sale certificate of commercial housing, such as whether the real estate is publicly subscribed internally without the pre-sale certificate, whether the pre-sale certificate is hung in a conspicuous place in the sales department, and whether the pre-sale certificate has expired. In terms of housing quality, it is recommended to go to the site to check whether there are cracks, water leakage, water seepage, cutting corners and other problems.
Step 3 pay the deposit
Buyers should pay attention to whether to pay a deposit or a deposit, in which the deposit is legally binding. Property buyers default, the deposit can not be recovered, developers default need to double the deposit. The deposit is not expressly stipulated in the law, which generally means to pay a certain amount of money in advance without compensation for breach of contract.
4. Sign the contract and pay the down payment
After paying the down payment, buyers will generally pay the down payment and sign the contract after a period of time. The purchase contract is particularly important, generally including area, unit price, total price, building, floor, unit, number of households, etc. At the same time, it is necessary to negotiate relevant precautions and supplementary terms, including the division of responsibilities after handover and the handling methods of emergencies.
5. Sign a house purchase contract
The purchase contract is an important proof of buying a house to protect rights. Therefore, when signing a house purchase contract, buyers should pay attention to whether there are blank clauses in the contract, whether the obligations and rights in the supplementary agreement are equivalent, whether the liability and compensation for breach of contract are clearly written, whether the delivery date and standard are clear, and whether there is a monopoly property management right.
6. Go through the loan formalities
Property buyers should choose the appropriate loan method according to their actual situation. Most buyers still have to buy a house through loans, which generally include provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.