The process of buying a house with personal loan is: 1. The borrower applies for a loan to buy a house; 2. Pre-loan investigation; 3. Review and approval; 4. Sign a loan contract; 5, insurance, notarization, guarantee and other procedures; 6. issue loans; 7. Data archiving; 8. Post-loan management; 9. Loan repayment; 10, cancel the mortgage. According to Article 19 of the General Rules for Loans, the obligations of the Borrower are as follows: 1. Truthfully provide the information required by the Lender (except those that cannot be provided according to the law), truthfully provide all account banks, account numbers and deposit and loan balances to the Lender, and cooperate with the investigation, review and inspection of the Lender; Two, should accept the lender's supervision of its use of credit funds and related production, operation and financial activities; 3. The loan shall be used for the purposes agreed in the loan contract; Four, should pay off the loan principal and interest in time according to the loan contract; 5. The transfer of all or part of the debt to a third party requires the consent of the lender; When intransitive verbs endanger the creditor's rights, they shall promptly notify the lender and take preservation measures.

Second, the process and steps of housing loans

Steps and precautions of housing loan:

1. Prepare loan information in advance: copy of ID card, copy of household registration book, copy of marriage certificate, income certificate and copy, down payment invoice, social security related certificates, etc.

2. It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.

3. In the case of payment, that is, equal principal and interest and average capital. However, the average capital is under great pressure.

4. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. Conditions to choose the appropriate repayment method.

5. The whole purchase process: customer qualification review, house inspection, signing sales contract, online signing, fund supervision, tax payment, transfer, property delivery and fund unfreezing.

6. Commercial loan purchase process: customer qualification review, house inspection, signing of sales contract, online signing, evaluation, fund supervision, face-to-face signing, loan approval (all certificates such as real estate license can only be approved after they are complete), mortgage registration (mortgage time varies in different urban areas), certificates of other rights of the house, and bank loans (the specific time depends on the bank quota).

7. Personal housing will be returned next month. There are two repayment methods, one is equal repayment of principal and interest with fixed monthly principal and interest, and the other is equal repayment of principal with constant monthly principal. Banks often use equal principal and interest to repay. Because in this way, within the same loan period, the monthly repayment is fixed, and the repayment pressure is small.

8. The buyer and the seller and the bank shall go to the real estate management department for mortgage registration with the housing mortgage loan contract and the house purchase contract, and the buyer shall be the beneficiary of life and property.

9. If it is a second-hand house, it is necessary to handle the transfer of property rights and prepare relevant materials, and then the warrant officer will assist in the transfer of property rights.

Third, the housing loan process

1. Application: the loan applicant and * * * together with the applicant apply for a loan at the management department where the housing provident fund is deposited, and the borrower fills in the Application Form for Provident Fund Loan.

2. Preliminary review: the accepting personnel conduct preliminary review of the materials according to the loan policy, enter information in the form, and after passing the examination, the system outputs the contract text and loan receipt.

3. Signature: the loan applicant and * * * together with the applicant sign at the position specified in the above loan text and bank withholding agreement.

4. Handling insurance: the loan applicant and the applicant go to the insurance company window to handle insurance (repayment guarantee insurance and property loss insurance) and mortgage procedures.

5. Lending: After the mortgage formalities are completed within the publicity period, the management department affiliated to the center will check the receipt and loan materials, and then entrust the bank to transfer the loan to the bank card (discount), and the borrower will collect it from the entrusted bank with the original ID card.

6. Repayment: The borrower shall deposit the repayable principal and interest into the bank card (passbook) within the period stipulated in the bank withholding agreement every month, or repay the loan at the bank window where the account is opened until the loan is fully paid off.

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