You can borrow money from the bank to buy a house. Because there is no clear news that loans can't be made, some banks in some cities do extend the mortgage processing cycle or suspend the mortgage business, but there is no clear document indicating that buying a house can't be loaned.

The process of buying a house with a loan

1. Apply for mortgage loan. After confirming that the property you choose has bank mortgage support,

You should ask the bank or the law firm designated by the bank to understand the bank's regulations on mortgage loan support for homebuyers, prepare relevant legal documents, and fill out the mortgage loan application form.

2. Sign a house purchase contract.

3. Sign a real estate mortgage contract. After the buyer signs the house purchase contract and obtains the payment certificate,

Sign a house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and specify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

4. Apply for mortgage registration. Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures.

5. Open a special repayment account.

6. The borrower cancels the registration after monthly repayment and repayment of principal and interest.

How long does the bank lend money?

The lending time of general banks will be within 15 working days. If there is a small holiday or a problem with the lender's credit information during this period, the lending time of major banks will basically be extended due to the influence of policies. If the lender successfully applied for a loan years ago, it will also lend money within 1-2 months.