How to get a loan for an individual to buy a house

Nowadays, most people buy a house with a loan, so we need to make some preparations before taking a loan. If we buy a house individually and then take a loan, Will it be more difficult to get a loan? Let’s take a look with the editor on how to get a loan for an individual to buy a house.

How to get a loan for an individual to buy a house

1. Relevant information for application: ID cards and household registers of residents of this city are required; for non-residents of this city, in addition to ID cards and household registers, You must also provide the household registration certificate or temporary residence permit provided by the household registration management department of your original location; overseas residents must provide their passport.

2. Bank preliminary review: Before the loan, after accepting the loan application, the handler will check the completeness, authenticity and validity of the "Application Form" submitted by the loan applicant and the required information. Legality to conduct a real investigation. The bank will apply for approval to applicants who meet the loan conditions.

3. Purchase insurance: Because the mortgage loan period will be longer, banks will require home buyers to apply for property insurance in order to prevent loan risks.

4. Sign a loan contract: After investigation, review, and approval, the loan contract can be signed. Then after the bank has completed the registration and notarization procedures, the applicant can receive the contract and sign the "Housing Mortgage Loan" contract".

Conditions for personal home purchase loans

1. Choose a provident fund loan: For young people with housing provident funds, they can use as much provident fund as they have when buying a house. Even if you have been working for a short time and your provident fund is small, you must use it if you can. At least you can pay less interest. For single youth housing, the current economic income level must be fully considered and the loan term must be moderate, generally 15 to 20 years is best.

2. Second-hand houses are also a good choice. Since young people have not had long working years, generally speaking, the down payment for a new house must be more than 100,000 yuan. Second-hand housing is still a good choice.

Article summary: How to get a loan for an individual to buy a house. 1. Relevant information for application, including resident’s ID card and household register; non-residents of this city must provide in addition to ID card and household register, the household registration certificate or temporary residence permit provided by the household registration management department of their original location; overseas residents must provide passport. 2. Initial review by the bank 3. Purchase insurance 4. Sign the loan contract: After investigation, review, and approval, the loan contract can be signed. After the bank has completed the registration and notarization procedures, the applicant can receive the contract and sign the "House Mortgage" Loan Contract".

How to buy a house with a loan

Buying a house with a loan has now become the first choice for many people. Some people don’t know much about loans to buy a house, and they don’t know what the process is and how to apply for a loan to buy a house. Next, the editor will briefly introduce it to you.

1. We need to first consult the relevant lending bank about the requirements for applying for a housing loan and what materials need to be prepared. For example, have a stable job and income, good personal credit, etc. Make sure you meet the bank's housing loan requirements, and prepare household registration books, bank statements, salary certificates and other relevant materials in advance.

2. After we choose a house, we sign a purchase contract with the developer and pay a certain down payment. When buying a house, the developer is required to provide proof of down payment. After the commercial housing sales contract is filed and registered, home buyers can take the housing purchase contract, down payment and other relevant information to the bank to apply for a housing mortgage loan. After the bank's review and approval, we need to sign a loan contract, mortgage contract, and guarantee contract with the bank. We can also apply for a housing mortgage loan first, and then sign a house purchase contract with the developer after the bank approves it.

3. Then we take the mortgage loan contract and house purchase contract to the Housing Authority to register and file the mortgage, and open a special repayment account at the lending bank. The bank will issue the loan in accordance with the contract. Home buyers need to make their payments on time. After we have paid off all the bank loans, we can go to the Housing Authority to cancel the mortgage and obtain the real estate certificate with the bank's cancellation form and other documents. If you are looking for a company that has applied for a guarantee, you will also need to go through the procedures for canceling the guarantee and get your deposit back.

The editor summarizes: This is where the editor introduces how individuals can borrow money to buy a house. I hope that after reading this article, it can provide you with a reference. Before you apply for a loan to buy a house, you can ask the developer whether it has a bank to cooperate with. Generally, banks that cooperate with developers have certain preferential activities.

How to apply for a house purchase loan as an individual

The procedures for individuals to apply for a house purchase loan: 1. Sign a house purchase agreement with the development company. 2. Fill out the personal housing loan application form and provide the information required by the bank. 3. If the conditions are met after being reviewed by the bank, deposit the full down payment for the house purchase in the bank or issue a down payment certificate. 4. After passing the examination and approval, sign the loan contract, mortgage contract and guarantee contract. 5. Handle house property mortgage registration, house insurance and notarization procedures. 6. Handle loan entry and transfer procedures. 7. Go to the development company to handle the relevant registration procedures. P2p lending is an online lending service platform. You must be cautious when purchasing a house loan on a p2p platform and learn to use legal weapons to protect your legitimate rights and interests.

How to apply for a mortgage loan

1. Loan application conditions

Beijing urban residents with full capacity for civil conduct and those with the right of residence resident in Beijing Residents of other places, overseas, and foreign citizens must meet the following conditions when applying for a loan:

1. Have legal residence status;

2. Have a stable career and income;

3. Have the ability to repay the principal and interest of the loan on time;

4. Have assets recognized by the lending bank for mortgage or pledge, or (and) have a guarantor that meets the required conditions to guarantee it;

p>

5. Have a contract or agreement to purchase a house;

6. When applying for a loan, have a deposit of no less than 30% of the funds required to purchase a house in China Construction Bank. If the house purchase has been prepaid If the payment is made to the selling unit, the original and copy of the payment receipt must be provided;

7. Other conditions stipulated by the loan bank.

2. Required materials

The borrower should fill in the personal housing loan application form at the China Construction Bank agency or the developer that has signed a "cooperation agreement" with China Construction Bank, and Provide the following materials:

1. Personal household register, ID card or other valid residence documents;

2. Proof of occupation and income;

3. House purchase contract Or a letter of intent and other relevant supporting materials;

4. Proof of the down payment of RMB 30 for occupying the house;

5. Other materials required by the China Construction Bank handling agency.

3. Procedures

1. The China Construction Bank handling agency or the law firm (or notary office) entrusted by China Construction Bank will investigate the information provided by the borrower.

2. The CCB handling agency will review and approve the borrower's application.

3. The borrower opens an account, receives a savings card and signs a loan contract.

4. Handle relevant guarantee procedures such as mortgage, guarantee, pledge and insurance.

5. The loan contract comes into effect and the funds are transferred to the developer’s account.

Extended information:

Notes during the application process:

1. Submit a loan application: After you sign the house sales contract, you can apply to the bank Apply for a business loan. Whether it is a first-hand mortgage or a second-hand mortgage, you need to submit complete materials approved by the bank to the bank for review. This is the most important step in the commercial loan process.

Mainly include the original and copy of ID card, household registration book, and marriage certificate; temporary residence permit or residence permit required for non-local household registration; income certificate issued by the work unit; sales contract, down payment invoice or receipt; the past six months Salary statement or other proof of assets. In addition to the above five items of information, different banks have certain differences in their requirements for commercial loans. You must also inquire in detail about other information required by the lending bank.

2. Bank acceptance investigation: After the bank receives the application materials from the loan applicant, it will review the materials. The general review time for commercial loans is 15 working days, with a maximum of 1 month. .

During the bank's acceptance investigation, the loan applicant will be asked to supplement some information depending on the situation. Therefore, the loan applicant needs to keep in contact with the bank during this period.

3. Bank verification and approval: The lending bank will verify several aspects: the condition of the house, the qualifications and credit status of the borrower, etc. This is an important step in the commercial loan process. If the loan applicant has bad credit, it will directly lead to the failure of the loan application. Therefore, it is important to accumulate good personal credit in life.

4. Both parties go through relevant procedures: the bank notifies the loan applicant that after the loan is approved, he needs to open an account with the bank, get a debit card and sign a loan contract. At the same time, relevant guarantee procedures such as mortgage, guarantee, pledge and insurance will be handled. When signing a loan contract and handling guarantee procedures, you must understand the details in the contract in detail and clarify your rights and obligations to avoid unnecessary misunderstandings.

5. The bank issues a loan: After all loan procedures are completed, the bank will transfer the loan funds to the real estate developer's account, the lending relationship is established, and the lender repays the loan according to regulations.