For people who buy a house with a loan for the first time, the first thing is to catch up on the knowledge about buying a house with a loan, so that they will not be cheated. Recently, the real estate market is hot again. Real estate prices are rising in many places, and many people on the sidelines are also preparing to buy a house. Buying a house requires great patience and time, especially for those who just need to buy a house. Be sure to know what procedures mortgage to buy a house needs. So, what procedures does mortgage to buy a house need?

What procedures does mortgage to buy a house need?

Basic information of the borrower:

1; Age 18, with full capacity for civil conduct.

2. Have a stable occupation and income;

3. Has signed a commercial housing sales (pre-sale) contract with the developer;

4. The down payment of more than 20% of the total house price has been paid;

5. Borrower and property * * * Some people are willing to mortgage the house they bought, and handle mortgage registration and property insurance.

Information to be provided by the borrower:

1. I and my spouse's valid identification (ID card, household registration book or other valid proof of residence), and individual operators should provide business licenses (check the original and keep a copy);

2. Proof of the borrower's marital status (marriage certificate or single certificate);

3, foreign, foreign or single, must be guaranteed by a person with a local account;

4. Proof of income and property of the borrower and spouse;

5. Purchase contract and down payment receipt;

6. Commitment letter of real estate mortgage;

7, bank housing mortgage loan application approval form.

Loan amount and term:

1, the maximum loan amount shall not exceed 80% of the total price of the purchased property, and the maximum loan amount of commercial outlets shall not exceed 60%;

2. The loan term plus the borrower's age shall not exceed the statutory retirement age, and the longest shall not exceed 30 years.

Personal housing loan process

1. Need consultation, application acceptance and pre-loan investigation.

(1) The consulting manager needs to provide consulting services to customers. The consultation contents include: the types, objects, conditions, amount, term, interest rate, repayment methods, etc. of personal credit loans.

(2) Need to accept the application. After consultation with China Construction Bank, the borrower shall fill in the Application Form for Personal Housing Loan of Zhejiang Branch of China Construction Bank as required to apply for a loan, and provide the following materials: Mortgagor's ID card and proof of husband-wife relationship (valid proof, borrower's income certificate, house purchase contract, down payment certificate, written proof that the guarantor agrees to guarantee and other relevant materials required by China Construction Bank).

(3) Pre-loan investigation is required. After accepting the loan application, the handling bank shall investigate the completeness, authenticity, validity and legality of the application form and the required materials submitted by the loan applicant. Through the pre-loan investigation, it is considered that it meets the loan conditions and is ready for approval.

2. Need loan approval

(1) Credit personnel of the handling bank who need the approval authority of the handling bank-head of the credit department-head of the handling bank.

(2) Need the approval of the handling bank beyond the approval authority of the handling bank-report to the credit approval authority of the superior bank for approval. After investigation, the manager will write down the situation, write the review opinions on the Approval Form of Personal Housing Loan of China Construction Bank, and submit the loan approval form and approval materials to the person in charge of the credit department, who will sign the approval opinions on the approval form and submit them to the president in charge of the branch for approval. Beyond the approval authority of the branch, the branch shall sign the opinions and report to the credit approval authority of the superior bank for approval.

Knowing the steps of buying a house, you won't be in a hurry. You can understand the precautions of each step in the order of buying a house to avoid unnecessary losses in the process of buying a house. Today, Bian Xiao will tell you so much about what procedures mortgage to buy a house needs. I believe you have a certain understanding of what procedures are needed to buy a house mortgage. In fact, it is very helpful for us to know more about it. I hope my introduction will be helpful to readers and friends.