What is the process of buying a house with the first mortgage and what is the process of buying a ho

Legal analysis: The process of buying a house with the first mortgage is: 1 preparation before viewing the house, 2 on-site inspection, understanding the real estate information, 3 selecting the house, 4 submitting the qualification review materials for the purchase, subscribing, 5 signing the network, signing the contract, 6 paying the down payment, 7 approving the loan, 8 handling the loan, 9 inspecting the house, 10 paying taxes, and 11 handling the house.

Legal basis: Notice of the People's Bank of China and the China Banking Regulatory Commission on Further Improving the Work of Housing Financial Services Article 2 For families who take out loans to purchase their first ordinary self-owned house, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is multiple of the loan benchmark interest rate, which shall be determined by the banking financial institutions according to the risk situation. For families who own one house and have paid off the corresponding housing loan, in order to improve their living conditions, they will apply for a loan to purchase ordinary commercial housing again, and the banking financial institutions will implement the first home loan policy.

In cities where the "purchase restriction" measures have been cancelled or not implemented, for families with two or more houses and have paid off the corresponding housing loans, and apply for loans to purchase housing, banking financial institutions should prudently grasp and specifically determine the down payment ratio and loan interest rate level according to the borrower's solvency, credit status and other factors. Banking financial institutions can issue housing loans to non-local residents who meet the policy conditions according to the local urbanization development plan. Banking financial institutions should shorten the loan approval cycle, reasonably determine the loan interest rate, and give priority to meeting the credit needs of residents for loans to purchase the first ordinary self-owned housing and improved ordinary self-owned housing.

1. Go to the bank to fill in the "Personal Housing Loan Application Form", the developer will generally sign a cooperation agreement with one or several banks, so it will be more convenient to go to the bank that has an agreement with the developer to handle the 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".

2. The bank examines the mortgage loan application, and the loan officer reviews and approves the materials submitted by the applicant, and if it is deemed to meet the loan conditions of the bank, the applicant will be notified to sign the "Personal Housing Mortgage Loan Contract", and the contract period shall not exceed 30 years. Go to the Housing Authority to apply for the "Certificate of Other Rights to the Property" 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.

3. After signing the "Building Mortgage Loan Contract", the demolished home buyer shall, in accordance with the contract, open a special repayment account in the financial institution designated by the bank, and sign a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from the account.

4. 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 according to law. After the principal and interest of the loan are settled, the mortgage registration is cancelled and the buyer becomes the real owner of the house.

The process of buying your first home.

First of all, before buying a house, you should decide on the total price and area that you can accept.

1. Looking at the house: see if the real estate is capped? If you don't have it, you won't be able to get a loan.

2. **: Inquiry**.

3. Choose a house: first look at the floor plan.

4. Pay the deposit: After choosing the house, you will sign the subscription agreement.

5. Pay the down payment: Generally, the down payment will be paid within about 8 days after the signing of the subscription agreement, and the liquidated damages will be charged if the subscription agreement is overdue. 6. Sign the contract.

7. Loan: The lending bank shall select the bank designated by the developer. Try to use provident fund loans, and make up for the shortcomings with commercial loans.

8. Loan repayment: After the next payment, the bank will notify you to get the loan materials, the original contract and sign the repayment agreement.

Legal basis: Article 34 of the Administrative Measures for the Sales of Commodity Housing Real estate development enterprises shall, before the delivery of commercial housing, entrust a unit with real estate surveying and mapping qualifications to carry out surveying and mapping according to the project, and the surveying and mapping results shall be submitted to the real estate administrative department for review and approval for housing ownership registration.

The real estate development enterprise shall, within 60 days from the date of delivery of the Minwu commercial housing, submit the information required by it to handle the registration of housing ownership to the real estate administrative department where the house is located.

Real estate development enterprises shall assist the buyers of commercial housing in handling the formalities for the change of land use rights and the registration of the ownership of the houses.

Article 595 of the Civil Code A sales contract is a contract in which the seller transfers the ownership of the subject matter to the buyer and the buyer pays the price.

Article 596 of the Civil Code The content of a sales contract generally includes the name, quantity, quality, price, performance period, place and method of performance, packaging method, liquid standard and method of inspection of the standard bridge section, settlement method, words used in the contract and its effect, etc.

1. Submit a loan application. Employees apply for loans to the entrusted bank according to the different types of housing they have purchased.

2. Loan acceptance. The bank conducts a preliminary review of the authenticity and compliance of the applicant's loan conditions, application materials, application amount, etc.; If the preliminary examination is passed, the appointing bank shall invite the applicant to conduct an interview to further understand the applicant's loan purpose, willingness to repay the loan, repayment ability, etc., and establish an interview record; If the preliminary examination and interview are in accordance with the regulations, the entrusted bank shall accept the loan application.

3. Loan approval. If the employee's loan application is accepted by the entrusted bank, the entrusted bank shall complete the loan approval within 7 working days from the date of acceptance of the loan or receipt of the materials submitted by the entrusted bank. If the approval cannot be completed within 7 working days due to special circumstances, it can be extended by 5 working days.

4. Contract signing. If the employee's loan application is approved, the entrusted bank shall notify the borrower to go through the signing procedures. Borrowers and their spouses, co-owners of property rights, guarantors, and entrusted banks.

5. Loan review. After receiving the mortgage certificate, the center will conduct a loan review.

6. Loan disbursement. The entrusted bank shall issue the loan in accordance with the loan conditions agreed in the Secured Loan Contract, and the loan funds shall be transferred to the account agreed in the contract.

Definition of a first home.

A first home is the first home that an individual buys and only owns. The People's Bank of China has stipulated preferential interest rate policies for mortgage loans enjoyed by urban residents in China who purchase their first house for the first time. The so-called "first home" needs to meet three conditions at the same time:

That is, the person who buys the house must be at least 18 years old; If the house you buy is an ordinary house of 90 square meters or less, you can enjoy the deed tax rate; It is also required that the buyer does not have a house in his or her name that has been purchased alone or jointly with other people. However, it should be noted that the housing purchased with the parents and purchased in accordance with the housing reform policy or through inheritance, the housing obtained by demolition and resettlement can be excluded.

First Home Loan Terms.

1. Provident Fund first home loan conditions.

1) The provident fund has been paid in full and normally, and has been paid for more than 6 consecutive months;

2) The purchase is an ordinary self-occupied house in the city;

3) If you buy goods, you need to apply for a provident fund loan after the contract is signed and the down payment is made;

4) If you buy a second-hand house, you need to apply for a provident fund loan after the contract is signed, the down payment is paid, and the real estate transaction is made;

5) If you buy public housing, you need to apply for a provident fund loan after filing, down payment and real estate transfer;

6) In the case of demolition and resettlement, it is necessary to apply for a provident fund loan before the contract is signed, the house payment is paid off, and the real estate transaction is made.

2. Bank loan conditions for the first home.

1) Have full capacity for civil conduct and legal and valid identity documents;

2) Ability to repay;

3) Good credit;

4) A legal and valid house sales contract has been signed, and the purpose of the purchased house is residential;

5) Proof of down payment;

6) Other conditions stipulated by the bank.