How to apply for a mortgage loan when buying a house?
1. Choosing a lending institution: The first step in handling a real estate loan is to choose a good lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a problem. Although private lending has many interest rates, it has low audit requirements and fast processing speed. Choosing the right lending institution is a crucial step in the whole loan process.
2. Write application materials: After selecting an institution, you can submit the application with the materials required by the applying institution.
3. Preliminary review: We basically have no problems at this stage. The loan will conduct a preliminary review of the basic materials we submitted before, and the review meets their requirements.
4. Appraisal: generally speaking, lending institutions, especially banks, are required to go to designated or recognized appraisal institutions for appraisal, and appraisal fees will be charged during appraisal. Different households are not necessarily the same, and the charging standards in different regions are also different.
5. Examination and approval of loan signing contract: The lending institution will re-examine the loan according to the previously submitted materials and evaluation report, and will communicate with you about the loan amount, interest rate, term and repayment method. After communication, you can sign the contract.
6. Apply for mortgage registration and loan.
What are the mortgage loan conditions for buying a house?
Requirements of the Borrower:
1,18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
Information to be provided:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.