First, determine the property. Before choosing real estate, buyers should focus on the mortgage service, and further understand which bank the developer cooperates with and whether it is supported by the bank, so as to ensure the smooth progress of the mortgage process in the future.

2. Submit a mortgage application. When you confirm that the property you choose is supported by bank mortgage, the buyer should know about the mortgage service from the bank and prepare all the information before filling out the mortgage loan application.

Third, bank audit. When accepting a lender's loan application, the bank shall examine the lender's qualifications to determine whether the lender meets the prescribed conditions.

4. Sign a house purchase contract and a house mortgage contract. After receiving the mortgage loan application and related materials, the bank will issue a loan consent notice or a mortgage loan commitment letter to the buyers after confirming that the lender meets the mortgage loan conditions. Property buyers can sign purchase contracts with real estate developers.

After signing the house purchase contract and paying the real estate license, the buyers sign the house mortgage loan contract with the real estate developer and the bank with the relevant materials stipulated by the bank, and stipulate the rights and obligations such as the amount, term, interest rate and repayment method of the mortgage loan.

5. Apply for mortgage registration. Property buyers, real estate developers and banks hold mortgage loan contracts and purchase contracts to the local construction committee departments for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion.

6. Establish a repayment account. After signing the mortgage loan contract, the buyer opens a special repayment account in the designated bank and signs the power of attorney according to the contract. After the bank confirms that the purchaser meets the mortgage loan conditions, fulfills the obligations stipulated in the Building Mortgage Loan Contract and goes through the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase price of the purchaser.

Second, what is the personal bank running list for buying a house with a mortgage?

Generally, it takes about 6 months in mortgage to buy a house, and bank loans need to be prepared:

Valid identity documents;

Proof of permanent residence or valid residence, proof of fixed residence;

Proof of marital status;

Bank flowing water;

Proof of income or personal assets;

Credit report;

Use plan or loan use statement;

Other information required by the bank.

Requirements for bank loans:

At least 18 years old, with full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificate, and bank loans require the lender to be between 18-60 years old;

Have a stable legal income and the ability to repay interest;

Other conditions required by the lending bank.

These procedures are usually divided into three steps:

Basic information submitted by the customer, including work unit and contact telephone number;

The loan bank or company checks the credit information of customers, including whether the credit rating of customers has illegal records, and for self-employed and small and medium-sized enterprises, it is also necessary to investigate their operating conditions;

The staff of the loan unit signed a contract with the customer and realized the loan in the shortest time.

Third, how to borrow money to buy a house?

How to borrow money to buy a house? The method of doing bank running water is as follows:

1, as long as the funds entering the bank card are liquid, any form can be used, and online bank transfer can also be used.

2. Keep it for at least 3 days, excluding those entering and leaving on the same day.

3, you have to access for more than 6 months.

4, you can make a large deposit, because the average flow of the bank is 6 months, but you have to deposit this large amount more than one month in advance, that is to say, deposit this month and then lend next month.

4. Prepare a loan to buy a house, but what should I do if the bank's running water is interrupted?

Loans to buy a house need to provide bank running water, which is divided into wage running water and personal running water. Generally, it lasts for half a year, and some cases last for one year. In addition, the income should be more than twice the monthly payment, so there is a relatively stable income at a fixed time every month. Lending institutions will use this to judge the repayment ability of lenders.