How do I know which community I belong to? How to apply for a loan when buying a house in a real estate community?

With the soaring housing prices in recent years, many people are now paying attention to buying houses. The whole thing is very complicated. In fact, every point can be separated. Recently, many people are getting to know their own community, and there are many related problems. After all, there are many key elements involved. So how do you find out which community they belong to? How to apply for a loan when buying a house in a real estate community?

How do I know which community I belong to?

1. If you are a new resident, you will have the registration information of the neighborhood committee and the community police, and you can consult them then.

2. Use map software to locate your home, and then find the neighborhood office nearby to provide effective information.

3. Ask the shops around, the old residents of the neighbors next door or the community security personnel.

4, you can consult the relevant units (police station, residential property, etc. ).

5. The street office to which the account belongs generally refers to the street where the account is located on the first page of the account book.

How to apply for a loan when buying a house in a real estate community?

1, mortgage service, we should focus on this aspect 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 further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. After confirming that the property you choose has bank mortgage support, the buyer should know the bank's regulations on mortgage loan support for the buyer from the bank or the law firm designated by the bank, prepare relevant legal documents and fill in the loan application form.

3. After receiving the legal documents related to the mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that it meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. After signing the house purchase contract and obtaining the payment voucher, sign the loan contract with the developer and the bank based on the relevant legal documents stipulated by the bank, and specify the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

5. Property buyers, developers and banks shall go through mortgage registration and filing procedures with the real estate management department on the basis of loan contracts and purchase contracts. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.

Do you know how to find out which community you belong to? It is not so difficult to inquire about the ownership of a house in a real estate community. Even if you use appropriate methods, you can find that it is very helpful for new buyers. In the subsequent loan processing, due to its powerful role, the loan processing will not be as simple as imagined, so we must be fully prepared.