1. The lender submits a loan application to the bank and waits for the bank's approval.

2. If the bank approves it, the lender needs to submit a copy of the real estate certificate and other information required by the bank to the bank; then the bank will conduct a price appraisal of the lender's property, and the loan amount depends on the property appraisal. price.

3. Next, you need to sign a series of contracts. At the same time, the lender needs to have a corresponding bank account. If not, it needs to be opened immediately.

4. Handle real estate certificate mortgage registration in accordance with the requirements of relevant departments.

5. Finally, the bank will deposit the loan into the designated special account.

Required conditions for a loan to buy a house

1. Natural person aged 18-60 years old;

2. Have a stable career, stable income, and repay the loan principal and interest on schedule ability;

3. The actual age of the borrower plus the loan application period should not exceed 70 years old;

4. There is a legal and valid contract and agreement for the purchase, construction, and overhaul of housing. and other supporting documents required by the lending bank;

5. Self-raised funds of more than 30% of the total price of the purchased house (for those who purchase a self-occupied house with a building area of ??less than 90 square meters, self-raised funds The capital ratio is 20), and it is guaranteed to be used to pay the down payment of the purchased house;

6. There are assets recognized by the lending bank for mortgage or pledge, or (and) legal persons with sufficient repayment capacity, Other economic organizations or natural persons serve as guarantors.

Materials needed to buy a house with a loan

1. Identity cards and household registers of both spouses/Temporary residence permit and household register for foreigners;

3. Marriage certificate/divorce 2 copies of certificate or court judgment/certificate of single status;

3. Proof of income (in the format specified by the bank);

4. A copy of the business license of the unit where you work (with official seal);

5. Credit certificate: including academic certificates, other real estate, bank statements, certificates of deposit, etc.;

6. If the borrower is a corporate legal person, a business license that has been inspected annually must also be provided. , tax registration certificate, organization code certificate, articles of association, and financial statements.