1. The buyer signs a pre-sale (sales) contract with the real estate company and pays 30% of the house price;

2. Apply to the law firm designated by the bank for loan procedures, provide the credit certification materials required by the bank, and the law firm will issue a legal opinion after substantive examination and submit it to the bank for approval.

3. The bank decides whether to approve the mortgage application after reviewing the legal opinions: (1) With the consent of the bank, the law firm arranges the applicant to sign a mortgage contract with the bank, and handles the mortgage registration procedures for the existing real estate license of the pre-sale contract on behalf of the applicant; (2) If the bank refuses to approve, the application procedure will be terminated. The applicant and the developer shall sign a separate payment agreement or implement it in accordance with the relevant provisions in the original purchase contract.

3. What materials does mortgage to buy a house need to submit?

The information that property buyers need to provide to the bank includes:

1, applicant's personal credit certificate:

(1) Generally, there must be more than two applicants. Applicants should provide an application, indicating that they are willing to jointly apply for loans and share the repayment obligations and risks;

(2) show the income certificate and tax payment certificate issued by the applicant's unit. If you have a part-time job, issue a part-time income certificate;

(3) Provide personal financial information, including deposits (RMB and foreign currency), private car ownership, securities and other assets. The original passbook or deposit certificate issued by the bank shall be presented;

(4) If the loan applicant provides a guarantor, for a natural person, it is required to have a fixed occupation, a fixed income and repayment ability, and at the same time, it is required to open an account with the CCB applying for a loan and deposit a deposit of not less than 6 times the monthly repayment amount.

2. The loan applicant must submit relevant purchase documents:

(1) Formal pre-sale (sales) contract of commercial housing registered by the Real Estate Bureau. For those who only sign the subscription contract, the law firm will report it to the bank, and the bank will decide whether to recognize it as valid or not and whether to give a loan;

(2) Invoice or receipt for the down payment of more than 30% of the total house price;

(3) Get two application forms and four contracts from the law firm or the bank's house purchase credit office. Fill in the loan application form under the guidance of a lawyer, and the application form is signed by the developer to provide guarantee for his mortgage loan before the property transfer, and the applicant declares that he agrees to use the purchased house as mortgage collateral;

(4) Other documents required by the bank.

The above are some basic smooth procedures and materials that mortgage to buy a house needs to prepare for you. In fact, mortgage is a very complicated process, because it will involve the mortgage of the house or the need to provide guarantee. If you don't repay the bank loan at maturity, it also constitutes a breach of contract and you have to bear corresponding legal responsibilities. Therefore, it is recommended that you consult a lawyer during the process of buying a house, and understand the relevant contents or matters needing attention when signing a contract before buying a house.

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