Developers may not necessarily cooperate with banks, but many developers have cooperative relations with some banks. After some developers reach a cooperative relationship with the bank, they will limit the loans of buyers to this bank, which is relatively limited for buyers. In principle, buyers can choose their own loan banks to handle loans, and some banks with lower interest rates can consider it. If the bank is appointed, the buyer will have no choice.

How to borrow money to buy a house

1.

Before buying a house, buyers should know whether they are qualified to buy a house. Many first-and second-tier cities across the country implement purchase restriction policies. Generally speaking, buyers with local hukou can buy the first suite locally, while buyers with foreign hukou need to meet certain requirements of paying taxes or social security.

Step 2 choose a house

Before buying a house, you have a clear understanding of your demand and ability to buy a house. When selecting housing, buyers should go to the scene to see the house, focusing on whether the property has pre-sale qualifications. In the process of checking whether the property has the pre-sale qualification, the key point is to check the pre-sale certificate of commercial housing, such as whether the property is publicly subscribed internally without the pre-sale certificate, whether the pre-sale certificate is hung in a conspicuous position in the sales department, and whether the pre-sale certificate has expired. In terms of housing quality, it is recommended to go to the site to check whether there are cracks, water leakage, water seepage and cutting corners.

Step 3 pay the deposit

Buyers should pay attention to whether to pay a deposit or a deposit, in which the deposit is legally binding. If the buyer violates the contract, he can't get back the deposit, and if the developer violates the contract, he needs to double the deposit. Deposit is not expressly stipulated in the law, generally refers to a certain amount of money paid in advance, without compensation for breach of contract.

4. Sign a contract to pay the down payment

After paying the down payment, the buyer will generally pay the down payment and sign the contract after a period of time. The purchase contract is particularly important, generally including area, unit price, total price, building, floor, unit and number of households. At the same time, it is necessary to negotiate relevant precautions and supplementary terms, including the division of responsibilities and handling methods for unexpected situations after handover.

5. Sign a house purchase contract

The purchase contract is an important document for buying a house and safeguarding rights. Therefore, buyers should pay attention to whether there are blank clauses in the contract, whether the obligations and rights in the supplementary agreement are equivalent, whether the liability for breach of contract and compensation are clearly written, whether the delivery date and standard are clear, and whether there is monopoly property management right.

6. Go through the loan formalities

Property buyers should choose the appropriate loan method according to their actual situation. Most buyers still have to buy a house through loans, which generally include provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.