What is the process of buying a house with a mortgage?

The basic process of a mortgage loan is as follows:

On-site inspection: loan officers, intermediary agencies, appraisers, buyers and sellers go to the site of the house applying for a mortgage loan to inspect the house;

Verification of property rights; The property owner and the co-owner (seller) bring the original ID card and the original real estate certificate to the housing authority to submit the original ID card and the original house book for verification, and go through the relevant procedures;

Sign the contract: the bank carefully checks and verifies the original information of the customer, identifies the authenticity of all the signatories, supervises the customer's signature, collects the original real estate certificate and the deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;

Payment obligation: After the bank collects the fee and passes the pre-approval, the customer will be notified to pay the fee;

Bank loans.

First, the process of buying a house with a loan - **Choice.

Before buying a house, you should choose a house based on your affordability. It is best to keep the monthly payment fee to no more than 40% of the total monthly income. Secondly, within the scope of your own affordability, understand the best (developer's strength, reputation, reputation, location, house type, surrounding facilities, etc.), see is believing, do not believe rumors and many advertisements.

2. The process of buying a house with a loan - submit the following information to the mortgage bank.

1) Submit legally valid identification documents (resident identity card, household registration booklet, military officer certificate, passport, family visit permit, return permit and other residence certificates or other identity documents for foreign natural persons who have the right of abode in Chinese mainland);

2) Proof of regular income or other proof of ability to repay;

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;

If the borrower's spouse applies for a loan jointly with the borrower, the borrower's spouse should also fill in the relevant information of the spouse on the loan application form, and present the marriage certificate and household registration booklet, etc.;

3. The process of buying a house with a loan - signing a loan contract.

The bank reviews the information provided by the lender, and after passing the examination, the bank, the developer and the lender sign the "Real Estate Mortgage (Mortgage) Contract" and the "Building Mortgage Loan Contract" (note, this contract needs to be notarized or witnessed by a lawyer, and the cost is borne by the buyer), and the three parties jointly go to the real estate management department for registration. Among them, buyers are required to submit the following materials:

A) the original contract for the sale and purchase of commercial housing witnessed by the real estate management department;

2) Submit legally valid identification documents (resident identity card, household registration booklet, military officer certificate, passport, family visit permit, return permit and other residence documents or other identity documents for foreign natural persons who have the right of abode in Chinese mainland);

3) Mortgage loan contract;

4) Mortgage application form and original mortgage contract.

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

Fourth, the process of taking out a loan to buy a house - disbursement of the loan.

After completing the relevant formalities, the loan shall be granted with the consent of the lending bank, and 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 or two times.

Customers who choose to repay the loan by entrusted deduction (there are currently two repayment methods available: entrusted deduction and over-the-counter repayment) need to sign an entrusted deduction agreement with the bank and open a special 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.

5. The process of buying a house with a loan - 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.

After the loan is settled, the borrower shall obtain the loan settlement certificate from the lending bank, retrieve the mortgage registration certificate of real estate ownership and the original insurance policy, and go to the original mortgage registration department to go through the mortgage registration cancellation procedures with the loan settlement certificate issued by the lending bank.

Procedures for buying a house with a bank mortgage:

1. First of all, please go to the bank to learn about the relevant situation. And apply for a personal housing loan with the above information.

2. Then accept the bank's review of you and determine the loan amount.

3. Next, you can apply for a loan contract, and the bank will handle the insurance on your behalf. Handle the registration and notarization of property rights and mortgages.

4. The last thing left is that the bank issues the loan, and the borrower cancels the registration after repaying the loan every month and paying off the principal and interest.

After the above procedures and procedures, you can get a new house through a mortgage.

Loan target: Chinese citizens with a level of thorough civil conduct according to the rules, citizens of Hong Kong, Macao and Taiwan with the right of abode in mainland China with the level of thorough civil conduct according to the rules, and foreigners with the right of abode in accordance with the rules in mainland China with the level of thorough civil conduct.

Buyers who want to obtain mortgage services should focus on this aspect when choosing a property. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should also further confirm whether the property developed and constructed by the developer has received the support of the bank to ensure the smooth acquisition of the mortgage loan.

1. Apply for a mortgage.

After confirming that the property they choose is supported by the bank's mortgage, the buyer should learn about the bank's regulations on the buyer's mortgage loan support from the bank or the law firm designated by the bank, prepare relevant legal documents, and fill in the "Mortgage Loan Application".

2. Sign the purchase contract.

After receiving the relevant legal documents of the mortgage application submitted by the buyer, the bank will issue a notice of consent to the loan or a letter of commitment for the mortgage loan to the buyer after reviewing and confirming that the buyer meets the conditions of the mortgage loan. Buyers can sign the "Commercial Housing Pre-sale and Sales Contract" with the developer or its ** businessman.

3. Sign the mortgage contract.

After signing the house purchase contract and obtaining the proof of payment, the buyer shall sign the "Building Mortgage Loan Contract" with the developer and the bank with the relevant legal documents stipulated by the bank to clarify the mortgage loan amount, term, interest rate, repayment method and other rights and obligations.

1. The developer proposes a mortgage loan cooperation intention to the lending bank;

2. The lending bank shall investigate the developer's development project, construction qualification, credit rating, responsible person's conduct, corporate goodwill, technical strength, operating status and financial situation, and sign a mortgage loan cooperation agreement with the qualified developer;

3. The buyer signs the "Commercial Housing Sales Contract" with the developer, and pays the required down payment according to the requirements of the contract;

4. Within seven days from the date of payment of the down payment, the buyer shall provide the information that meets the requirements of the mortgage bank and apply for a mortgage loan directly to the developer's cooperative bank. Specifically, it includes: "Commercial Housing Sales Contract" (for filing and registration), receipts for down payment for house purchase, ID card, marriage certificate, income certificate and other information that the bank deems necessary;

5. The lending bank shall investigate and review all aspects of the buyer's situation and procedures, and go through preliminary procedures with the buyer (including the buyer's spouse) who meets the basic conditions, including the loan application, joint repayment statement, commitment, conversation transcript, simplified loan contract, IOU, etc.; Subsequently, the buyer opens a deposit account or bank card with the lending bank, and the bank reports to the superior bank for approval;

6. The application approval period is generally within 7 days. If the period is exceeded, the marketing department will connect with the bank in a timely manner, understand the situation, solve the problem, actively assist the buyer to complete the loan, and sign the stage guarantee procedures with the mortgage bank in a timely manner.

Precautions for buying a house with a mortgage loan.

1. Good personal credit record.

Personal credit is very important, if there is a record of overdue for three consecutive months and six months, then basically the bank will not lend you money.

2. Proof of income.

The income certificate should cover 2 times the liabilities in the individual's name, and the bank needs to be issued in accordance with the requirements of the specific bank.

3. Keep the purchase invoice.

Invoices for loans to buy houses include down payment invoices and loan invoices. If you are buying an existing house, you need to take these two invoices to pay the tax when you pay the tax; If the purchase is an off-plan property and there is a difference in area, the developer will generally re-issue a down payment invoice and ** the previous invoice. If you accidentally lose the down payment invoice, the developer will not replace the invoice, and the buyer needs to go through the procedures for losing the invoice, because there is no way to replace the invoice.

4. Provident fund loans.

It should be noted that CPF loans need to be paid in full for 12 consecutive months and are still being paid before applying for a loan. Compared with commercial loans, provident fund loans take a relatively long time.

The second-hand mortgage loan process is:

1: Submit the application, go to the bank to get the application form for personal loan for second-hand housing, and then fill in the application form;

2: Housing appraisal, the bank will contact the designated appraisal agency and make an appointment to inspect the house for appraisal. The appraisal agency will then issue an appraisal report to the bank.

3: Bank approval, after receiving the appraisal report, the bank will review the qualifications of the loan applicant, if the conditions are met, the bank will approve the loan amount, term and so on according to the quality of the housing appraisal, and then the qualifications of the lender.

4: Pay the down payment, handle the transfer of the house, after the bank completes the approval, the buyer needs to pay the down payment to the seller.

5: Handle the real estate mortgage registration, bank lending, after the transfer, the buyer Ichino will receive the real estate certificate in about 20 working days.

What you need to prepare:

Information to be provided by the buyer:

ID card, household register, income certificate, credit report; (Husband and wife: ID card, household registration book, marriage certificate, credit report of both parties) In case of divorce: divorce certificate, divorce agreement or divorce judgment.

Information to be provided by the seller:

ID card, household registration book, property right certificate, production survey; (Both husband and wife: ID card, household registration book, marriage certificate, property right certificate) In case of divorce: divorce certificate, divorce agreement or divorce judgment.

At present, the first home can be loaned at 20% off the appraised value.

7% off the appraised value of the second home loan.

The benchmark interest rate is 10-30 years with equal principal and interest.

1. Sign a purchase contract with the developer.

At this time, it is necessary to pay attention to whether the developer has "five certificates": "state-owned land use certificate", "construction land planning permit", "construction project planning permit", "construction project construction permit", and "commercial housing sales (pre-sale) license".

2. Pay the down payment and keep the down payment receipt.

3. Go to the bank to fill in the "Personal Housing Loan Application Form".

Developers usually sign cooperation agreements with one or several banks, so it is easier to go to a bank with which the developer has a sedan agreement to apply for a mortgage loan agreement. Bring the original and photocopy of the down payment receipt, the "Commercial Housing Sales Contract", ID card, the city's household registration booklet (non-municipal household registration provides temporary residence certificate of more than one year), income certificate, etc., to the bank to fill in the "Personal Housing Loan Application Form".

4. The bank reviews the mortgage loan application.

The bank's loan officer will review and approve the materials submitted by the applicant, and if it is deemed to meet the bank's loan conditions, the applicant will be notified to sign the "Personal Housing Mortgage Loan Contract", with a contract period of no more than 30 years.

5. Go to the Housing Authority to apply for the "Certificate of Other Rights of the Housing" to prove that the property has a mortgage from the bank. Go to the notary office to handle the notarization of property rights mortgage. Go to the insurance company to get home insurance.

The bank will usually handle the above procedures on your behalf.

6. 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 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.

7. Disbursement 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.

8. Repay the loan according to the contract.

The borrower 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 take back the house in accordance with the law.

1. What are the basic conditions for buying a house with a loan?

1. The loan object shall be a natural person with full capacity for civil conduct;

2. Have an urban household registration or valid residence status;

3. Have a stable occupation and income, good credit, and the ability to repay principal and interest on time;

4. Have a legal purchase contract or agreement;

5. The down payment of more than 30% of the total price of the purchased house has been paid.