How to apply for a mortgage loan? 1. Go to the bank and find out. And check your personal credit record to see if you meet the qualifications for application. The bank will review you and determine your loan limit.

2. If you meet the loan requirements, you can sign a purchase agreement with the developer and submit relevant loan materials (such as: couple ID card, marriage certificate, household register, income certificate, down payment receipt, no house Certificate, etc.).

3. Sign a loan contract insured by the bank with the bank. Responsible for the mortgage and notarization of houses.

4. When a bank lends money, the borrower makes monthly payments, and after paying off the interest, it will be written off.

Mortgage considerations when buying a house 1. Reserves must not be used before applying for a loan. If the borrower uses his deposit to pay for the housing price before applying for a loan, the balance of the provident fund account in some cities will have a certain impact on future provident fund loans, so it is not suitable to use it.

2. The loan will not have any advance payment within one year. According to the relevant regulations on provident fund loans, after one year of loan repayment, the amount you must repay must be more than six months.

3. If you encounter trouble with your loan, don’t forget to ask the bank for help. If there is a problem with your repayment ability during the loan process, then you should stop trying to maintain your life. ICBC customers can request a loan extension from ICBC. After our bank's investigation, if there is no overdue repayment, we will agree to your extension application.

4. When renting a house after taking out a loan, do not forget to inform the tenant of your responsibilities. During the lease period, when renting a house, you should notify the lessee in writing that you have taken out a mortgage.

5. Don’t forget to cancel the mortgage after repayment. After you have repaid all the loan principal, you can take your bank loan certificate and the property ownership certificate of your property to the real estate transaction center where your property is located to apply for your mortgage.

6. The loan contract and IOU must not be lost. When you apply for a mortgage, the loan contract and receipt signed by you and the bank are valuable legal documents. Since the loan period is up to 30 years, as a borrower, you must strictly keep the contract and invoices.

The above is the relevant content about how to apply for a mortgage and mortgage considerations when buying a house. I believe you will understand it after reading it. I hope this article will be helpful to you.