At first, the bank will verify the identity of the borrower to see if the borrower is qualified, and will review the personal information of the borrower, such as ID card information and family information. In addition, the bank will also review the borrower's personal credit information, such as whether there is a credit stain. If there is a credit stain, it is also possible that the mortgage will be rejected. Therefore, it is necessary for borrowers to pay attention to maintaining personal credit information in their lives, at least when applying for a mortgage.

2. Review occupation and income

If the borrower has no stable occupation and income, the bank will think that the borrower has poor repayment ability, or even no repayment ability, so the bank will directly refuse the loan. So if the borrower has a plan to buy a house now, or is looking at the house, then before applying for a mortgage, the borrower had better not change jobs frequently.

3. Review the purchase contract

After signing the purchase contract, the contract plays a very important role, that is, when applying for a mortgage, it is submitted to the bank for review. In order to prevent borrowers from doing other financial management with housing loans, and also for fear that someone will apply for a mortgage under the pretext of "buying a house with a loan", banks often require borrowers to provide a house purchase contract, and will examine the authenticity and validity of the house purchase contract.

4. Having a certain deposit in the loan bank

This is a skill of "adding points" that can increase the success rate of the borrower's mortgage. Simply put, in order to prove to the bank that he is ready to buy a house, the borrower had better have a certain deposit in the loan bank, at least exceeding the down payment.

5. Other requirements of the bank

When approving the mortgage, the bank will make different plans for different borrowers. For example, for different borrowers, the bank often puts forward other requirements, some lenders may receive a notice to increase the mortgage interest rate, and some people may receive a notice to increase the down payment. If the bank demands too much from the borrower, then the borrower can find more banks.

the process of buying a house with a bank loan

1. Go to the bank to learn about the situation. After meeting the conditions of buying a house with a bank loan, apply for a personal housing loan with relevant materials.

2. Then accept the bank's review of yourself and determine the loan amount.

3. Next, you can apply for a loan contract, and the bank will provide insurance for you. Handle the registration and notarization of property right mortgage.

4. The last thing left is the bank's loan, the borrower's monthly repayment and the cancellation of registration after paying off the principal and interest.