What are the procedures for buying a house in installments?

If you are married, you need a marriage certificate, and if you are unmarried, you need a single certificate, and you need a household registration book and ID card. After paying the down payment, signing the purchase contract, to apply for a loan, you also need a certificate of income from the work of the unit, the sales center will have relevant personnel to introduce you to a bank loan, after the application is completed, you have to go to the bank to fill in a lot of relevant **, after the review will be opened in the loan bank, you will get a card, and then pay back the money on this card every month.

The procedures required to buy a house are as follows: single: ID card, household registration book, single certificate, bank statement, income certificate of 2 times the monthly repayment stamped with the official seal of the unit.

A copy of the copy of the business license of the unit shall be stamped with the official seal. Married: Household registration booklet, marriage certificate, ID card, and income certificate of 2 times the main lender with official seal.

A copy of the copy of the business license of the unit shall be stamped with the official seal. It is advisable to provide proof of bank statements. By the way, if you don't have enough proof of income, you can apply for a collateral lender.

1.The applicant has a legal and valid proof of identity;

2.The applicant has a stable financial income and the ability to repay all loan principal and interest on time;

3.The applicant has no bad credit record and bad behavior record;

4.Have a legal and valid contract or agreement for the purchase of the house and other supporting documents required by CCB;

5. Have self-raised funds that meet the loan requirements and guarantee the down payment for the purchased house;

6.The borrower's age plus the loan term can be up to and including 70 years of age. Among them, if it meets the scope of high-quality customer groups of our bank's personal credit business, the age of the borrower and the loan term shall not exceed 75 years old in principle.

What are the processes when buying a house in installments? These 4 points should be clear.

The conditions required to buy a house in installments are as follows: the borrower has good credit, has a stable occupation and income, has a house purchase contract, urban permanent residence or valid residence status, can pay a down payment of not less than 50% of the defense appraisal price after the full purchase price, and agrees to use the purchased house or provide assets approved by the lending bank as collateral, etc.

[Legal basis].

Article 17 of the General Principles of Loans.

When applying for a loan, the borrower shall meet the basic conditions such as having a market for the product, efficient production and operation, not crowding out and misappropriating credit funds, and abiding by credit, and shall meet the following requirements:

1. Have the ability to repay the principal and interest on time, and the original loan interest payable and the loan due have been repaid; If it has not been repaid, a repayment plan approved by the lender has been made;

2. Except for natural persons and legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures of the industrial and commercial department.

3. Have opened a basic account or a general deposit account;

4. In addition to the provisions of ***, the cumulative amount of foreign equity investment in limited liability companies and shares does not exceed 50% of their total net assets;

5. The borrower's asset-liability ratio meets the requirements of the lender;

6. Where applying for medium-term or long-term loans, the ratio of the equity of the corporate legal person of the new project to the total investment required for the project shall not be less than the proportion of the capital of the investment project stipulated by the state.

Nowadays, when many people buy a house, they are under more pressure to pay in full. Therefore, many people choose to take out a loan to buy a house, but they do not understand what kind of conditions are required to buy a house with a loan and what kind of procedures are required. So let's introduce it!

What are the essential processes for buying a house in installments? In order to solve the risk of financial crisis for the family to buy a house with a lump sum full payment, there are installment payments; If the installment payment is according to the literal meaning, it is paid separately according to the time limit, but what are the procedures required to buy a house in installments, and what are the functions of buying a house in installments? This article will take you to solve these problems and confusions mentioned above in detail.

1.Introduction to buying a house in installments.

Buying a house in installments does not require full payment, only a part of the money can be paid to obtain the right to use the house, and then move in, but the remaining part needs to be paid off within the specified number of years, and the advantage is that you do not have to worry about the financial difficulties brought by buying a house to the family.

Installment payment is applicable to the purchase of housing and **, is a settlement method for housing credit business, under normal circumstances, the buyer only needs to pay 30 -50 house price first, and the rest of the money is paid back in the remaining scheduled time; This method is beneficial for both parties, first of all, the seller does not have to worry about not being able to recover the money, because the contract has the mandatory effect of the law, and secondly, the buyer does not have to worry about not being able to pay the money, because it is paid in batches, which is much more convenient.

2.The role of buying a house in installments.

What are the functions of buying a house in installments? First of all, the payment in batches can expand the sales volume of commercial housing, so that some of the houses that have not been sold can be put into use as soon as possible, so that the money and materials can play a comprehensive benefit; secondly, it can promote the stable and harmonious development of the real estate transaction market and attract a large number of buyers; Thirdly, it can also ensure that low-income people can also be guaranteed housing; After that, the existing public housing can also be sold to the residents in installments to recover a large amount of funds.

3.How to make an instalment payment.

1) Choose a property.

2) Apply for installment payment.

3) Sign a contract for the purchase of a house.

4) Sign a contract for installment payment.

5) Mortgage registration and insurance.

6) Open an account that is only used for repayment.

4.Other considerations.

The payment method of installment payment should generally be agreed in the contract, according to the progress of project development and construction, the payment of the house will be paid in stages, and when the house is to be delivered for use, a part of the final payment will be paid off. The advantage is that the buyer may use the housing payment to urge and restrict the developer to develop the construction project at the agreed time, and at the same time relieve the pressure of one-time payment.

Conclusion: Buying a house in installments has been supported by people from all walks of life in the real estate market, and has now become a common form, but buying a house in installments, although you can give a lot less when you make the first payment, but the next agreed time is to be delivered regularly, and the money for the installment payment is much clearer than the money for the one-time payment.

1. Check the qualifications for buying a house 2. Prepare a down payment and a deposit for buying a house 3. Look at the house and choose a house 4. Pay a deposit for the purchase of a house 5. Pay the down payment to sign the purchase contract 6. Go through the mortgage procedures.

the process of buying a house; No. 1: If buyers want to get mortgage services, they should understand this content when choosing real estate 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 mortgage loans.

No. 2: After confirming the real estate of his choice to obtain mortgage support from the bank, the buyer should learn about the bank's regulations on the buyer's obtaining mortgage loan support from the bank or the law firm designated by the bank, prepare the relevant legal documents, and fill in the "Mortgage Loan Application".

No. 3: The bank receives the relevant legal documents of the mortgage application submitted by the buyer, and after reviewing and confirming that the buyer meets the conditions of the mortgage loan, it will issue the buyer a notice of consent to the loan or a letter of commitment for the mortgage loan. Buyers can sign the "Commercial Housing Pre-sale and Sales Contract" with the developer or its ** businessman.

Article 4: 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.

No. 5: What is the installment process for buying a house? What are the requirements?

Buyers, developers and banks should go through the mortgage registration and filing procedures with the real estate management department with the "Building Mortgage Loan Contract" and the house purchase contract. For off-plan properties, the mortgage registration should be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require home buyers to apply for life and property insurance in order to prevent loan risks.

When purchasing insurance, the buyer shall specify the bank as the first beneficiary, and the insurance shall not be interrupted during the loan performance period, and the insured amount shall not be less than the total value of the collateral. The insurance policy is placed in the custody of the bank until the principal and interest of the loan are repaid.