1. Inquire about the qualification of buying a house.

Before buying a house, buyers should first understand whether they meet the local conditions for buying a house, especially those friends who want to buy a house in these big cities. If they are not qualified to buy a house locally, they can't apply for a loan to buy a house.

2. Estimate the purchase funds.

Buying a house with a loan is not just a down payment. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures.

3. Look at the house and choose a house.

Property buyers should follow a principle when choosing a house, that is, what suits them is the best. When choosing a house, they should determine the location according to their own living and working scope, and pay attention to various problems such as apartment type, floor and environment.

4. Pay the down payment and sign the contract.

Although most buyers will pay a deposit after choosing a house, the deposit is voluntary and buyers can choose not to pay it. After the buyers choose the right house, it is time to pay the down payment and sign the contract.

5. Go through the mortgage formalities.

After the house purchase contract is signed, the buyers can go to the bank to handle the mortgage formalities with the information prepared in advance. There are generally two kinds of mortgage loans: provident fund loans and commercial loans.

6. House handover.

If you buy an auction house, you usually have to wait a year or two to pick it up. If you buy an existing house, it will not take long to deliver it.

Matters needing attention in buying a house by loan

The minimum down payment ratio of commercial loans to first-hand houses is 30%, and the down payment of second-hand houses is the same as that of first-hand houses, but the first-hand houses pay 30% of the total house price and the second-hand houses pay 30% of the loan evaluation value. The down payment ratio of provident fund loans: the down payment ratio of the first suite with a building area of 90 square meters or more is not less than 20%, and the down payment ratio of the first suite with a building area of 90 square meters or more is not less than 30%.

According to the latest mortgage regulations, the first suite usually needs to prepare 30% down payment, and the second suite needs to prepare at least 40%. In addition, considering the interest rate, people who borrow money to buy a house should prepare more funds, and it is best to ensure that their monthly income is more than twice the monthly payment, which will help improve the mortgage pass rate.

At present, there are two main ways for bank loans to buy a house, equal principal and interest and average capital. Although the average capital interest is low, the monthly supply is high and the pressure is relatively high. The total interest of equal principal and interest will be higher, but the monthly repayment pressure is small. You can choose the appropriate repayment method based on your own situation.

What is the process of buying a house with a commercial loan?

1. Fill in the application materials: 1, personal housing loan application form 2, personal housing loan loan contract 3, loan housing ownership certificate custody contract 4, power of attorney 5, letter of commitment 6, conversation record.

2. Submit application materials: 1, ID card, household registration book, temporary residence permit, marriage certificate, academic certificate and other relevant certificates of the applicant and spouse. 2. The original purchase agreement. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

Step 3: Bank audit. According to the information provided by the lender, the bank examines the lender's credit standing, loan amount and loan term.

Step 4: Sign the loan-related contract. Commercial loan purchase process: sign a tripartite contract → apply for a bank loan → the bank issues a loan agreement → the Housing Authority submits documents, checks and pays taxes, and transfers the ownership → issues a new certificate → mortgage the property → mortgage the loan, hand over the property → transfer the ownership of water, electricity, gas and digital TV → the transaction is completed! You need to know at which bank the real estate deals with mortgage loan business. The representative of the sales office only collects loan information. After the loan information is ready, the bank will approve it. Because the loan scale is tight now, it depends on the bank's quota. The approval time cannot be determined, the fastest is 1 week, and the longest is not limited. After handling the loan process, the developer shall register with the Housing Authority with the loan agreement, commercial housing purchase contract and mortgage contract. It usually takes about a week to get to the house.

The information you need to prepare is probably that different banks are slightly different:

1. Original and photocopy of the borrower's ID card;

2. The borrower's marriage certificate, and the original and photocopy of the single certificate are required for singles;

3. The original income certificate of the borrower;

4. Other information that the bank needs to prepare. If you buy a new commercial house, the developer will help you with the mortgage procedures. In addition to providing the mortgagor's ID card and household registration book (personal page on the first page), the married person shall provide the marriage certificate, and the unmarried person shall provide the civil affairs bureau's single certificate. And proof of income, such as the tax payment certificate of running salary (the amount is 2.2 times of the monthly payment), depends on whether there is a purchase restriction order in your city, whether it meets the standard of buying a house, and other materials that need to be prepared. You can check the details of the relevant purchase restriction order yourself.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

What is the business loan process for buying a new house?

New house process: down payment-signing commercial house sales contract-going to the bank to apply for a loan and signing loan agreement documents-the developer issues a guarantee contract to the bank-the bank approves the loan-the house price is paid to the developer-the buyer pays the mortgage on a monthly basis-the bank handles mortgage registration. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises, usually short-term loans, usually for 9 months, with a maximum of 1 year, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment. No fines will be charged.

1. Submit loan information. Generally speaking, developers will have one or more designated cooperative loan banks, and buyers can choose one of them to handle housing loans. Bring the required materials and give them to the bank staff; Loan qualification examination, the bank examines the lender's loan qualification, including the authenticity of personal information, age, personal credit record, income, etc. Among them, in terms of the age of applicants, many banks over 65 no longer accept loan applications.

2. In the personal credit record, the bank refused to lend for three to six times overdue, and the individual refused to lend for two or more banks in Hangzhou. The income needs to reach twice the monthly payment of the loan application, and it is required to cover all liabilities under the personal name, including car loans. Generally, banks will require applicants to provide details of bank flow in the past six months to prove their income ability. After receiving the loan applicant's materials, the bank will review the loan applicant. General commercial loans take 7- 10 working days (the specific review time is subject to each bank).

3. Sign a loan contract. After the bank is approved, it will sign a formal loan contract with the applicant. In practice, the applicant will sign the loan contract when submitting the materials, but the bank will only stamp the contract after approval; Loan issuance: After the bank completes the loan process, it directly issues loans to developers, and the applicant needs to repay the bank every month. It should be noted that if the applicant purchases an auction house, the bank will issue the loan only after the auction house is capped.