2. apply. Property buyers go to the bank to get the loan application form and personal situation questionnaire, fill in the form, and submit the form and related materials to the bank to apply for a loan.
3. recognition. After the buyer submits the application, the bank will understand the buyer's application materials and the applicant's personal situation, and conduct examination and approval. Usually this process takes about 15 working days.
4. Sign the contract. After approval, the purchaser signs a loan contract with the bank.
Step 5 go through the formalities. After the loan contract is signed, the borrower will complete the insurance and mortgage procedures.
6. borrow money. After the above steps are completed, the bank can issue loans according to the contract.
What problems should I pay attention to when buying an auction house?
1. Check whether the sales office has a pre-sale permit, whether the selling units are consistent, and whether the date of the pre-sale permit has expired. Now, many areas have banned the sale of faster houses.
2. Check the evaluation of the engineering company online to see if there are any bad records. These have credit files on the internet. Check which property is in the community, and also check the reputation of the property company online. Generally, the reputation of large real estate developers is basically no problem, and the pressure of capital turnover is small, which is unlikely to have problems. Mainly some junior small companies.
3. Take a concrete look at the construction situation of the construction site, and see to what extent the building has been implemented, the state of the construction personnel, whether it is in normal construction, etc.
4. Time and method of payment. Paying the house payment by installments not only reduces the economic pressure, but also is the best constraint for the developer to fulfill the contract as scheduled. Both parties may agree to pay one by one according to the project progress of the house within a few working days after obtaining the property ownership certificate of the house until the last payment is made.
5. The agreement on the liability for breach of contract stipulates how the developer can compensate the property buyers for their economic losses if they fail to deliver the house on time. This is a contract different from the sales contract, which can safeguard its own rights and interests.