What are the conditions for buying a house loan?
/kloc-a natural person with full capacity for civil conduct and full capacity for civil liability, who has reached the age of 1 8, and has legal and valid identification. And have the ability to repay the loan, that is, have a stable legal income. Can afford the down payment. Of course, you can also choose to pay the house price in one lump sum, which can save interest. There will be no greater pressure every month because of mortgage repayment. Only by meeting the hard conditions of these loans can the loans be successful.
2. When applying for a loan, friends should have their own funds less than 20% of the purchase price as collateral for the loan. The purchased house is not within the scope of demolition. Choosing a bank that is more suitable for you is not only more convenient for lending, but also more convenient for repayment. There is nothing wrong with caution. Bian Xiao wants to remind everyone that early repayment must follow a certain process and apply to the bank first. Loans and repayments must comply with the relevant regulations of the bank.
Process of applying for housing mortgage loan
1. After confirming that the property you choose has mortgage support from the bank, the buyers who apply for mortgage loans should understand the bank's regulations on mortgage support for buyers, prepare relevant legal documents, and fill out the mortgage loan application form.
2. The bank that signed the house purchase contract received the relevant legal documents of the mortgage application submitted by the buyers, and after examining and confirming that the buyers meet the mortgage loan conditions, it issued a loan consent notice or a mortgage loan commitment letter to the buyers, so that the buyers could sign the pre-sale and sales contracts with the developers or their agents.
3. After signing the house purchase contract and obtaining the payment voucher, the buyer signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, and defines the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
4, mortgage registration, insurance buyers, developers and banks with the "housing mortgage loan contract" and the purchase contract to the real estate management department for mortgage registration. If the house is delivered in advance, the mortgage registration shall be changed after completion.
Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
5. After the signing of the mortgage loan contract, the buyer opens a special repayment account in a financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the bank's loan principal and interest and the arrears related to the mortgage loan contract from this account.