The house loan can be handled by itself or by entrustment, and it needs to be notarized first, and then entrusted to an authorized client. However, both husband and wife need to be present in person when the bank signs the loan contract in person and goes to the Housing Authority to record the purchase contract.

How to apply for a mortgage?

1. Sign the house sales contract. Of course, this is only an intentional contract. Don't transfer the ownership yet, and don't pay the down payment. The down payment depends on the terms you talked with your previous hand.

2. Submit a loan application to the bank. After accepting your application, the bank will ask you to provide supplementary information if the information is incomplete or insufficient. The general approval time will be about 2 weeks.

When the bank has approved your loan application instead of your loan, you should pay attention. You should ask the bank manager when you can arrange to release the loan after the mortgage is completed. After confirmation, you can handle the transfer and pay the down payment.

4. Sign loan contracts with banks, pay various fees, and handle mortgage and insurance. When signing a loan contract, you should read the terms clearly, because most bank managers do these loan contracts in batches, and mistakes and omissions are inevitable.

5. Go through mortgage and insurance procedures.

6. loans. Some banks need customers to go to the bank again to apply for loans. Remember to ask the bank for a loan contract and loan receipt that belongs to you after the loan is finished, and the second-hand house will also have insurance policies, evaluation books and so on. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.

The commercial loan conditions for purchasing individual housing are as follows:

1, with legal status, must provide 18 years of age, with full capacity for civil conduct and legal and valid identification.

2, a stable economic income, good credit, the ability to repay the loan principal and interest;

3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the first payment of the purchased (overhaul) housing;

5. Mortgaging or pledging assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors;

6. Other conditions stipulated by the lending bank.

Apply for housing provident fund loans shall meet the following conditions:

1, with permanent residence or valid residence certificate in this city;

2. The housing provident fund has been continuously paid for more than half a year before the application, and the accumulated time for paying the provident fund is not less than 2 years;

3, self-raised funds to reach more than 30% of the total price of the purchased housing (including 30%);

4. Have a stable occupation and a stable source of income, and have the ability to repay the principal and interest of the loan;

5, signed a contract or agreement to buy housing;

6. Meet other conditions stipulated by the trustor and the trustee.