What are the procedures and precautions for buying a house with a mortgage? 30

Mortgage buying process:

1. Go to the bank first to understand the relevant situation. And check the personal credit report to see if you meet the loan conditions. It is then reviewed by the bank and the loan amount is determined.

2. If you meet the loan conditions, you can sign a house purchase contract with the developer and provide relevant loan information (husband and wife ID card, marriage certificate, household registration book, income certificate, down payment receipt, no house certificate, etc.).

3. The next step is to sign a loan contract with the bank, and the bank will handle the insurance on behalf of the bank. Handle the registration and notarization of property rights and mortgages.

4. After the above steps are completed, the bank issues the loan, and the borrower cancels the registration after repaying the loan and paying off the principal and interest every month.

Precautions for buying a house with a mortgage:

1. Repay on time: After applying for a bank loan, you must repay the loan regularly, at this time, you must pay attention to whether you have enough balance in your repayment account before the agreed repayment date every month, so as to prevent you from being penalized by the bank for default due to your own negligence, and leaving a bad credit record in the bank.

2. Choose a bank according to your own situation: Different types of banking services are different, borrowers will get flexible and diverse personal financial services, as well as a rich portfolio of services and products, and choose a suitable lending bank according to their actual situation.

3. Provide true information: According to the regulations, the borrower must provide relevant certificates when borrowing from the bank, so that the bank can correctly assess the borrower's repayment ability. It is worth noting that you should provide a real personal occupation, position and recent financial income, which will allow the bank to reduce its trust in you and thus affect the loan application.

What kind of house can't be mortgaged?

1. If the loan is not paid off, it is not possible to apply for a mortgage again. It should be noted that if the property is still in the state of mortgage, then the mortgage right of the property is actually in the hands of the bank, which is equivalent to the temporary transfer of the property right, and although the borrower has the right to use, he does not have the full property right, so he does not have the right to control the property and cannot use it to apply for a loan.

2. Second-hand houses that are too old and too small often do not have mortgage qualifications. Most banks have strict specifications for mortgaged properties, and on the whole, properties with an area of 50 square meters and a house age of 20 years will be considered by banks to be difficult to realize and difficult to mortgage. Of course, if the property is in a major urban functional area, there are also some properties that can be applied for a loan separately.

3. Affordable housing that has not yet reached the five-year term is not eligible for a mortgage. In the regulations and regulations on affordable housing, the competent authority clearly states that only after the expiration of 5 years, affordable housing (or price-limited housing) can be eligible for listing and trading, and the property rights can be fully transferred. If the landlord of affordable housing ** houses within 5 years, it will violate the relevant regulations and will not be able to achieve the transfer of property rights, let alone mortgage qualification.

1. What is a mortgage to buy a house?

When real estate is selling well, mortgages have become a quick way to buy a house in the hearts of citizens, but what is a mortgage loan? How do I get a mortgage? Probably a lot of people don't know.

The so-called mortgage loan refers to the personal housing loan business in which the buyer uses the purchased house as collateral and the real estate enterprise of the purchased house provides a phased guarantee.

2. Precautions for buying a house with a mortgage.

1) When a buyer chooses to buy a house with a mortgage, he or she needs to provide the following information to the bank (lending bank) that provides the mortgage:

1. Legally valid identity certificate.

2. Proof of fixed economic income.

3. The original contract for the sale and purchase of commercial housing witnessed by the real estate management department.

4. Other documents required by the lending bank.

2) The bank shall review the authenticity, reliability and legitimacy of the information provided by the buyer. After passing the examination, the lender, the developer and the buyer will sign the "Real Estate Mortgage (Mortgage) Contract" and "Building Mortgage Loan Contract" (this contract must be notarized or witnessed by a lawyer, and the costs incurred therefrom shall be borne by the buyer). The three parties jointly go to the real estate management department to handle the mortgage (mortgage) registration of the housing loan.

Among them, the buyer should submit the following documents:

1. The original of the commercial housing sales contract witnessed by the real estate management department.

2. A copy of the identity certificate.

3. The mortgage loan contract that takes effect thereby.

4. Mortgage application form and original mortgage contract.

5. If you entrust another person to register on your behalf, you must submit a valid original power of attorney.

3) According to the provisions of the "Real Estate Mortgage (Mortgage) Contract" and the "Building Mortgage Loan Contract", the buyer must fulfill the following obligations:

1. Submit the real estate mortgage registration certificate together with the original contract to the lending bank for execution.

2. After the delivery of the off-plan house, go through the housing transfer procedures within three months, obtain the "Land Use Certificate", "Housing Ownership Certificate" and "Housing Other Warrants", and directly hand over the three certificates to the loan bank for safekeeping (at this time, the developer's guarantee liability is released).

3. Apply for insurance for the mortgaged property at your own expense, the insurance period shall not be shorter than the mortgage period, the insured amount shall not be less than the total value of the collateral, and the insurance policy shall be handed over to the lending bank for holding by the first beneficiary of the loan bank.

4. Without the written consent of the lending bank, the buyer cannot rent, demolish, reconstruct, re-mortgage or otherwise dispose of the mortgage.

5. Repay the principal and interest on time every month, and a penalty will be charged for the number of days if it is overdue.

6. After settling all the principal and interest, fines and various expenses to be borne by the loan, the lender shall cancel the mortgage registration with the original mortgage registration authority, and withdraw the Land Use Certificate, Housing Ownership Certificate and insurance policy.

What should be paid attention to when buying a house with a mortgage, the main things that need to be paid attention to are as follows:

1. Don't trust the developer's mortgage promises.

Sometimes, in order to attract customers to buy a house, the developer will promise to be able to apply for a mortgage loan when selling the property, but the actual developer is not qualified, so the buyer should focus on reviewing:

1) Whether the developer has obtained the legal development procedures and pre-sale and sales approval documents of the property;

2) Whether the selected property has received a mortgage commitment from the bank, providing the loan's ratio, term and interest rate. It should be noted that although some real estate projects have already issued a mortgage loan, the mortgage can only be provided for a part of the property sold, so buyers should also confirm whether the property to be purchased is within the scope of the mortgage can be provided.

2. The bank conducts a qualification review for the buyer.

Most people believe that as long as they choose a property that is backed by a bank mortgage, they should get a mortgage service from the bank. This is a misconception. The bank provides mortgage support for the building built by the developer, which only indicates that the building has obtained a certain amount of loan amount, and the final loan decision is still up to the bank.

The bank will conduct a qualification review of the buyer from the aspects of civil subject qualification, credit status, repayment ability, etc., to confirm whether the prescribed conditions are met.

Therefore, if the buyer blindly signs a house purchase contract with the developer without obtaining the bank's mortgage loan support confirmation, he will not be able to obtain a mortgage loan when he does not meet the bank's conditions, and will be forced to choose other payment methods, which will affect his own purchase arrangement and cause a lot of unnecessary losses. In order to obtain the support of the bank, it is recommended that the buyer hire a lawyer to accompany the mortgage procedure, and use a variety of methods to gain the trust of the bank under the guidance of the lawyer and go through the loan procedures smoothly.

1. What issues should be paid attention to when buying a house with a mortgage?

1. Apply for a loan amount according to your ability.

2. Choose a good loan bank for mortgages.

3. Choose the most suitable repayment method for you.

4. The information provided to the bank should be true.

5. Provide your address accurately and timely.

6. Repay the loan on time every month to avoid penalty interest.

1. The process of buying a house with a mortgage loan.

1. Submit a loan application.

Buyers need to go to the bank to submit a loan application and submit relevant information, such as a copy of ID card and household registration; Income certificate issued by the employer (with valid seal) or other proof that can prove the borrower's solvency; and other documents and information requested by the bank.

2. Signed a loan contract.

After the loan application is approved by the bank, the loan contract is signed with the bank under the guidance of the bank staff.

3. Open an account.

Generally speaking, buyers need to apply for an exclusive bank card at the lending bank to repay the loan on a regular basis.

4. Loan disbursement.

After the lending bank agrees to grant the loan, the lending bank will transfer the loan directly to the deposit account or designated account opened by the lender with the lending bank in accordance with the loan contract.

Second, the mortgage house will not lose money if it rises and it will not be lost.

Housing prices at least 15 or more per year to not lose, of course, if it is a second-hand house, it must also be adjusted in some aspects. Calculate it yourself, and you should consider the various expenses you have paid, including monthly payments and liquidated damages. It is important to emphasize that there are other costs when selling a home, which can be considered to be shared evenly or unilaterally.

3. Precautions for buying a house with a mortgage loan.

1. The amount of the loan requested.

Before taking out a loan, calculate the amount you need to borrow. The down payment is not included in the loan amount, and the down payment is made in advance. Generally speaking, the higher the down payment ratio, the shorter the payment period, and the lower the monthly supply pressure.

The full payment minus the down payment is the basic loan amount, in addition to taking into account various taxes such as deed tax and VAT.

2. Choose a good loan bank for the mortgage.

With the development of the real estate market, many banks have developed products for home loans. Buyers can shop around to see which one has a more favorable policy and is more suitable for themselves, and choose the appropriate loan bank according to the actual situation.

3. Choose the right return method.

Generally speaking, there are two repayment methods: one is equal principal and interest, and the other is equal principal. Both approaches have their advantages and disadvantages. Lenders need to choose the appropriate repayment method according to their own timing situation.

4. The information provided to the bank should be truthful.

When a home buyer applies for a bank loan, the bank generally requires the lender to provide the corresponding proof of economic income. Buyers should provide proof of genuine personal employment, position, and recent financial income.

If the lender provides false supporting documents, this will cause the bank to reduce trust in you and affect the loan.

The whole process of buying a house with a loan.

One: Make an application.

The customer submits a written application for loan to the bank and submits the relevant information.

Information to be submitted to apply for a loan:

1) Application for personal housing loan;

2) Copy of ID card (resident ID card, household registration booklet, military ID card or other identity document);

3) Proof of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank;

4) Legal housing purchase contracts, agreements and related approval documents;

5) List of collateral or pledge rights and ownership certificates, proof of consent to mortgage or pledge issued by the disposing party, and collateral valuation report issued by an appraisal agency recognized by the lending bank;

6) A written commitment issued by the guarantor agreeing to provide the guarantee and the guarantor's credit certificate;

7) Deposit documents, voucher treasury bond documents and other valuable documents that the borrower intends to provide to the lending bank for pledge**;

8) Proof of the borrower's self-raised funds for the purchase of housing;

9) Housing sales (pre-)sale permit or real estate certificate (existing house) of the real estate (copy);

10) If the borrower's spouse applies for a loan jointly with the borrower, the relevant information of the spouse should be filled in on the loan application form, and the marriage certificate and household registration book should be presented;

11) Other documents and materials stipulated by the lending bank.

2. Sign the contract.

After receiving the notice of loan approval from the bank, the borrower shall sign the loan contract and guarantee contract with the lending bank, and go through the relevant formalities such as notarization, mortgage registration and insurance as appropriate.

3. Open an account.

Customers who choose to repay the loan by entrustment deduction shall sign an entrustment deduction agreement with the bank and open a savings passbook account or a savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller should open a settlement account or a special deposit account at the lending bank.

Fourth, the use of loans.

For loans granted with the consent of the lending bank, after completing the relevant formalities, the lending bank shall, in accordance with the loan contract, directly transfer the loan to the deposit account opened by the borrower at the lending bank, or transfer the loan to the deposit account opened by the seller at the lending bank in one time or in installments.

5. Repay the loan on time.

The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. At present, there are two repayment methods to choose from: entrusted deduction and counter repayment.

6. Loan settlement includes early settlement and normal settlement.

Early settlement refers to the settlement of the loan before the maturity date of the loan (one-time principal and interest repayment loans) or the last instalment of the loan (installment loans); Normal settlement refers to the settlement of the loan on the maturity date of the loan (lump sum principal and interest payment) or the last installment of the loan (amortization loan). If the loan is settled in advance, the borrower shall apply for early settlement 10 working days in advance after repaying all the amounts payable. After the loan is settled, the borrower collects it from the lending bank"Proof of loan settlement"and retrieve the original certificate of mortgage registration of real estate ownership and insurance policy, and hold the original issued by the lending bank"Proof of loan settlement"Go to the original mortgage registration department to go through the mortgage registration cancellation procedures.