2. Then you have to pay the down payment, and pay attention to keep the down payment receipt. You need to go to the bank to fill out the application form for personal housing loan. Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers.
3. Bring the original and photocopy of the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts) and income certificate to the bank to fill in the personal housing loan application form.
4. The credit personnel of the loan bank will review and approve the materials submitted by the applicant step by step. If it is considered that it meets the conditions of bank loans, the applicant shall be notified to sign the Individual Housing Mortgage Loan Contract, and the contract period shall not exceed 30 years.
5. The property buyer went to the Housing Authority to apply for the certificate of other rights of the house, which proves that the property has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance. The above procedures will generally be handled by the bank.
6. Open a loan repayment account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
7. The bank pays the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
8. The borrower in mortgage to buy a house must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can repossess the house according to law. After mortgage to buy a house's loan principal and interest are settled, cancel the mortgage registration, and you will become the real owner of the house.
Extended data
Three advantages of mortgage loan.
1. Spend tomorrow's money to round today's dream.
Mortgage is a loan, that is, borrowing money from the bank. You don't have to spend a lot of money to buy your own house right away, so the first advantage of mortgage to buy a house is that you can buy a house with less money.
2. Use limited funds for multiple investments.
From the perspective of investment, mortgage buyers can invest their funds separately, borrow money to buy a house and rent it, and then invest again, so that the funds can be used flexibly.
The bank will check it for you.
Borrowing money means borrowing money from banks, which naturally care about the quality of real estate projects. In addition to auditing yourself, banks will also help you audit developers and help you check, which is natural and safe.
(4) Shortcomings of mortgage.
1. Be in debt
Speaking of shortcomings, first of all, people are under great psychological pressure, because the traditional habits of China people do not allow people to make ends meet and pay attention to savings, so it is not suitable for conservative people to borrow money to buy a house. And in fact, buyers do bear heavy debts, which is not easy for anyone.
2. It is not easy to realize quickly
Because the property itself is mortgaged, it is difficult to resell the house, which is not conducive to the delisting of buyers.
(Refer to Baidu Encyclopedia mortgage to buy a house)