If you can't get a loan, you must get a real estate license before you can get a loan. Banks require that there must be real estate mortgage, and the existence of real estate cannot be proved by the house sales contract alone, and the bank will certainly not agree to the loan. Mortgage loan can only be handled with real estate license, and faster mortgage loan can be handled with contract. To handle mortgage loans, you need real estate license, ID card, household registration book, marriage certificate/unmarried certificate, loan use information and other originals.

What are the procedures for buying a house loan?

1. At this time, it is necessary to check whether the developer has "five certificates": state-owned land use certificate, construction land planning permit, construction project planning permit, and building construction permits and commercial housing sales (pre-sale) permit. Pay the down payment and pay attention to keep the down payment receipt.

2. When you go to the bank to fill out the application form for personal housing loan, the developer usually signs a cooperation agreement with one or more banks, so it will be more convenient to go to the bank that has an agreement with the developer to handle the mortgage loan agreement.

3. The bank reviews the mortgage loan application, and the credit personnel review and approve the materials submitted by the applicant step by step. If they think they meet the loan conditions of the bank, they will inform the applicant to sign a personal housing mortgage loan contract with a term of no more than 30 years. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to buy family insurance.

4. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account or a savings card or credit card account at the business outlet designated by the lending bank for repayment. At the same time, the seller shall open a settlement account or deposit account with the loan bank.

5. The borrower must repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can recover the house according to law. After the loan principal and interest are settled, the mortgage registration will be cancelled and the buyers will become the real owners of the house.

How to inquire about the record of the purchase contract?

1. The sales contract is signed online. Before signing online, they usually sign their initials. Sign the contract online after confirming that the contents of the contract are correct and there is no objection. After the online signing of the commercial housing, the developer records the contract, obtains the record number after being audited by the relevant departments, prints out the contract text, and the buyer and seller sign and seal, each holding its own copy.

2. For specific operation steps and details, you can consult the developer or the Housing Authority's property market section in detail.

3. To query the contract registration, you can log on to the website of the commercial housing sales contract registration inquiry channel, enter the ID number and contract registration number code, and choose the correct filing time.