The process of buying a house with a loan?

First, the process of applying for housing loan.

1, sign the subscription book

The customer signs a subscription with the real estate development company that has signed a contract with the bank and pays the down payment to the real estate development company.

Step 2 apply

Customers go to the law firm entrusted by the bank to handle the mortgage, including submitting personal data, paying various fees and filling out legal documents.

3. Payment review

The law firm conducts a preliminary examination of the client's application, and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged.

4. Other legal procedures

Law firms handle insurance, notarization and mortgage registration of collateral.

Step 5 issue loans

The bank transfers the loan amount to the developer's account and informs the customer to start mortgage payment.

Second, the conditions for applying for housing loans

1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

Extended data:

I. Repayment

Personal housing loans, with the consent of the lender, the borrower can repay in advance. The borrower can choose the following two ways to repay in advance: formula 1.

1. After the loan reaches 1 year, the borrower may apply for one-time prepayment of the outstanding loan principal and interest.

2. The borrower applies for partial prepayment, and concentrates the loans that should be repaid in installments throughout the loan period in one installment. The remaining outstanding loans can be handled by shortening the original agreed repayment period, or keeping the original agreed repayment period unchanged and reducing the monthly repayment amount.

Second, the cost of loans.

1, lawyer review fee

In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3% of the loan amount.

2. Notary fees

If the loan applicant is a husband and wife or a house buyer, others should make a statement whether they agree to mortgage the house to the bank, which needs notarization.

3. Property registration fee

After the property buyers get the real estate license, they should go to the registration authority for mortgage registration and pay the registration fee.

4. Insurance premium

When applying for a mortgage loan, the borrower shall handle property insurance for the collateral. During the mortgage period, the insurance policy shall be kept by the lender, that is, by the loan bank, and the notarization fee, mortgage registration fee, insurance premium, appraisal fee, appraisal fee, deed tax, stamp duty and other related taxes and fees involved in obtaining the loan by the bank shall be borne by you.

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