Buying a house mortgage requires a local bank to handle it. Generally, banks provide loan business. Before applying for a loan, you need to know the local interest rate in advance, consult several banks, and consider banks with lower interest rates if necessary. In addition, to read the loan contract clearly, as long as the mortgage is not done well, we should pay attention to the terms of prepayment, overdue default and other related matters.

The process of buying a house with a loan

1.

Before going through the loan procedures, buyers should first find out whether they meet the local purchase policy. Nowadays, many big cities have limited purchase policies, and not everyone can buy a house locally. The purchase restriction policy is mainly aimed at some people who buy multiple suites. If you haven't bought a house yet, you won't be restricted, but you still need specific consultation.

2. Determine the purchase target.

Property buyers can start to look at the house and choose the house after determining that they meet the local purchase qualifications. Don't be afraid of trouble and hard work in the process of choosing a house. Only by paying more attention can we avoid future regrets. Before buying a house, everyone should think about what kind of house to buy, including the area and location of the house, so as to help them make a good purchase plan in advance.

Step 3 prepare loans

After the buyer chooses the house, he can start preparing the loan. First of all, he should prepare the relevant information of the loan, and generally need to provide personal identity documents, marriage certificates, work income certificates and so on. The second is to prepare down payment and deposit. If you meet a house that suits your mind when you are looking at the house, you usually need to pay a house purchase deposit. After paying the down payment for a period of time, you still need to pay the down payment first and then apply for a loan.

4. Pay the down payment and sign the contract

Buying a house has already paid a down payment when choosing a house. When paying the down payment, you should pay attention to the combination of the down payment. The general down payment will also involve signing a house purchase contract. I believe everyone knows the importance of the purchase contract, so we must pay attention to the content of the contract when signing the purchase contract. The contents of the purchase contract generally include area, unit price, total price, building, floor, unit and number of households. In addition, according to different situations, both parties can also sign a supplementary agreement through consultation.

5. Go through the loan procedures.

House-related procedures are almost finished, and buyers will start to apply for loans. Property buyers will take their loan materials prepared in advance to the loan bank, and generally there will be a special credit specialist to receive you. In the meantime, you need to sign a loan contract, and buyers should also pay attention to the contents of the contract. In addition, mortgage loans include provident fund loans and commercial loans, and buyers can choose according to their own specific conditions.

6. Waiting for delivery

After submitting the loan application, the bank will generally mortgage in about one month, and then the buyers only need to pay the house according to the time agreed in the purchase contract. Property buyers can invite professional home inspector to inspect the house from top to bottom and from inside to outside according to relevant industry standards, which will be more reassuring.