The procedures for individuals to apply for loans to buy a house are as follows:

1. Selecting houses:

Individuals choose houses that meet their expectations, confirm their purchase intentions, and sign letters of intent with real estate sellers.

2. Payment of down payment:

Negotiate the amount of down payment with the real estate seller, and raise and pay the down payment, while the final payment will be paid by loan.

3. Choosing loan method and submitting application:

There are three loan methods: commercial loan, provident fund loan and combination loan of commercial and provident fund. Individuals can choose the appropriate loan method according to their own needs and economic conditions and submit the corresponding information as required.

4. The bank examines the loan application:

After the individual submits the application materials, the bank will check the loan materials submitted by the individual, mainly to examine the applicant's work, credit record and repayment ability, and at the same time, it will invite a professional appraisal company to evaluate the value of the house. After approval, the bank will inform you to sign a loan contract.

5. signing a contract and lending:

after the above procedures are completed, the bank will sign a loan contract with the applicant, stipulating the repayment period, loan amount and loan interest rate. The bank will complete the loan in a short time, and will give you a copy of the real estate license, and the developer can hand over the house with you after getting the bank loan.