First home loan requirements
The buyer must be 18 years old or older, and the house to be bought must be an ordinary house below 90 square meters. In cities with restricted purchases, they must comply with the local loan regulations for restricted purchases and loans.
The process of handling the first home loan
(1) Contact the bank and submit relevant materials for applying for a loan, such as identity documents and income certificates.
(2) Wait for the bank's approval, sign a house purchase contract after the bank's approval, and then sign a bank mortgage loan contract.
Materials needed for the first home loan
(1) Copy of ID card (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, etc. or other identification documents).
(2) Proof of the borrower's repayment ability recognized by the loan bank, such as proof of income and proof of assets.
(3) Legal and effective purchase contracts, agreements and relevant approval documents.
(4) Where mortgage or pledge is involved, the ownership certificate of the mortgaged property or pledge right and the written certificate that the authorized person agrees to mortgage or pledge shall be provided.
(5) Where a guarantee is involved, a written commitment of the guarantee and a credit certificate of the guarantor shall be provided.
(6) House sales (pre-sale) license and real estate license (existing house) (copy).
(7) Other documents and materials stipulated by the bank.
Here, Bian Xiao also wants to introduce you to the precautions of the first suite.
(1) Determine the goal of buying a house
First of all, buyers should determine the purchase goal and determine the property that suits them according to their actual income and expenditure. In fact, it is good to meet the basic housing needs and avoid unnecessary extra burdens.
(2) Learning real estate knowledge
Learn some basic knowledge of real estate first. If property buyers don't know anything about real estate, they are likely to be fooled when looking at the house. This should be noted.
(3) the orientation of the apartment should be selected.
Property buyers must pay attention to the orientation and lighting of huxing when choosing huxing.
Bian Xiao suggested that you'd better buy a house facing south, because the house facing south has good lighting. It should be emphasized here that the living room must face south, and the master bedroom should face south. Because the living room is the most active place for a family and the master bedroom is the rest space for the owner, there should be a living room and master bedroom facing south.
For people who buy towers, if there is no house facing south, then the southeast direction should be the first choice, because there is still the problem of "sunset" in summer.
After reading the above, I believe that everyone is already very familiar with the relevant process of the first home loan, but before deciding to use the first home loan, you should still pay attention to whether you meet the conditions for purchasing the first home loan.