1. Understand your own credit score

First of all, if you want to get a loan to buy a house, the home buyer must first check whether your personal credit score meets the loan conditions. I was optimistic about it, but when I was ready to buy, I discovered that my credit score was not up to standard, and I fell into a relatively passive situation.

2. Understand the bank’s policies

Before applying for a loan, home buyers can go to the bank for consultation and ask about the loan application conditions, interest rates, approval time, loan time, etc. How much, then compare and choose a bank that offers a good deal.

3. Prepare the information required for the loan

(1) ID card. If you are married, you need the ID card of both husband and wife. Of course, if it is jointly signed, then More people’s ID cards;

(2) Household register. Note that in some banks, if you are not the head of the household, the head of household’s information page and registration card must be copied;

( 3) Proof of marriage, that is, marriage certificate, divorce certificate, etc.;

(4) Proof of employment, some banks have specific formats, or require certain elements. You should ask the bank about this;

(5) Proof of income, generally banks will require that the monthly income is more than twice the monthly payment;

(6) Proof of file check, this certificate of file check is to be checked at the housing management department Whether you have a house ownership record is to check whether you own a house. If you have several houses, etc., you have to go to the housing management department to handle it yourself;

(7) Other information required by the bank.

4. Sign a loan contract

If the loan conditions are met, the buyer will go to the sales office of the house he likes to sign a sales contract, pay the down payment, and prepare the application materials required for the loan. loan.

The next step is to sign a loan contract with the bank, pay various fees, and apply for mortgage and insurance. This step is time-consuming. The bank needs to review it. How long it takes varies from place to place and bank to bank.

After that, the home buyer needs to wait for the notice to go to the bank for an interview, and wait for the bank to collect and verify the materials. After the bank verifies, the bank will notify the home buyer to get the materials and go to the housing management bureau to make a mortgage. (After the bank accepts your application, if the information is incomplete or insufficient, it will ask you to provide additional information)

5. Wait for the bank to lend money

Some banks require customers to go to the bank again for lending money. applied for. After disbursing the loan, remember to ask the bank for a copy of your loan contract and IOU. 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.