You can only borrow 100,000 yuan. In some cities, house prices are relatively low, and 100,000 yuan is just enough. It is more common to borrow only 100,000 yuan. However, in some cities with higher housing prices, there is generally a minimum loan limit. If you only borrow 100,000 yuan, you may be rejected. If you are rejected, you can try a different bank.

What should you pay attention to when applying for a housing loan?

1. Ask about the loan conditions

Before applying for a loan, you must ensure that you have met the loan conditions, such as paying social security in full, Have a valid identity document, no bad credit record, etc. Moreover, different banks have different loan conditions. Ask them carefully before applying to avoid wasting your time.

2. Prepare loan information

Copies of ID card and household register, income certificate and bank statement, copy of marriage certificate or single certificate, relevant certificates of social security payment, Copies of the house purchase contract and down payment are all necessary documents when applying for a loan and must be prepared in advance.

3. Choose the right repayment method

Different repayment methods bring different repayment pressures, so before applying for a loan, think about what kind of repayment method you want to choose. The repayment method, or what kind of repayment method is more suitable for you, so as not to prevent you from being able to repay on time.

The process of applying for a home loan

1. Sign a house sales contract. Of course, this is only a contract of intention. You do not need to go to the owner or pay a down payment first. The deposit depends on you and your ex. The conditions are negotiated.

2. Submit a loan application to the bank. After the bank accepts your application, if the information is incomplete or insufficient, it will ask you to provide additional information. Generally, the approval time will be about 2 weeks.

3. When the bank approves your loan application (it approves your loan application, but does not agree to lend you a loan), you should pay attention and ask the bank staff how your loan will be processed. After the mortgage is completed, we can arrange a time to lend you the loan. Once confirmed, you can go through the transfer process and pay the down payment.

4. Sign a loan contract with the bank, pay various fees, and apply for mortgage and insurance. When signing a loan contract, you should carefully read the terms inside it, because most bank handlers make these loan contracts in batches, and mistakes and omissions are inevitable.

5. Handle mortgage and insurance procedures.

6. For loans, some banks require customers to go to the bank again to apply for loans. After disbursing the loan, remember to ask the bank for a copy of your loan contract and IOU. For second-hand houses, there is also an insurance policy, appraisal letter, etc. Also make two copies of the real estate certificate. Remember to ask for the official seal of the bank, because some agencies and departments require it when doing business.