Mortgage loan to buy a house steps

What is the mortgage loan process for buying a house?

The mortgage loan process for buying a house is mainly as follows:

The first step: choose a house from the real estate developer, sign the purchase agreement and pay the down payment.

Step 2: Go to the designated bank to apply for a loan, take the application form from the counter and fill it out. Then, give the completed form to the staff together with the down payment information, ID card, household registration book, financial proof (such as bank account and payroll).

Step 3: The bank conducts the audit according to the information provided by the customer, and the appraisal institution evaluates the value of the house.

Step 4: The bank approves the loan amount and informs the customer at the same time.

Step 5: The customer will sign the loan contract at the outlet within the agreed time, and handle the mortgage and other related procedures.

Step 6: Bank loan. Generally, the money will be transferred to the bank card under the customer's name first, and then transferred to the account designated by the real estate developer by the system immediately after the account is received. Customers can use the funds after receiving them, and then remember to repay the mortgage in installments on time according to the agreed repayment plan.

Matters needing attention in housing loan

1, apply for a mortgage and do what you can.

Some people think that the bigger the loan amount, the better, but this is not the case! Because you have to pay the mortgage and interest. If your loan term is longer and the loan amount is larger, you will have to pay more interest, which will increase your repayment pressure.

2. Prepare loan information in advance.

Copy of ID card, copy of household registration book, copy of marriage certificate or single certificate, copy of education certificate, copy of income certificate, copy of bank account, purchase contract, down payment invoice, social security related certificates, etc.

It is also very important that if there is a bad credit record in credit card repayment, you must apply for cancellation or issue relevant certificates.

What are the procedures for buying a house mortgage loan

The mortgage loan process of buying a house includes: signing a house sales contract and paying the down payment; Prepare loan materials, review loan qualifications and sign loan agreements; The buyer and the seller apply to the Housing Authority for property transfer registration, and obtain property valuation and tax details; Handle the house transfer and mortgage procedures, and handle the real estate license and mortgage certificate; Get the transfer receipt and wait for the bank to lend money.

legal ground

Article 61 of the People's Republic of China (PRC) Urban Real Estate Management Law shall apply to the land administration department of the local people's government at or above the county level for registration, which shall be verified by the land administration department of the local people's government at or above the county level, and the land use right certificate shall be issued by the people's government at the same level. If a house is built on the land for real estate development obtained according to law, it shall apply to the real estate management department of the local people's government at or above the county level for registration with the certificate of land use right, and the real estate management department of the local people's government at or above the county level shall verify and issue the certificate of ownership of the house. When real estate is transferred or changed, it shall apply to the real estate management department of the local people's government at or above the county level for registration of change of real estate, and apply to the land management department of the people's government at the same level for registration of change of land use right on the basis of the changed house ownership certificate. After verification by the land administration department of the people's government at the same level, the land use right certificate shall be replaced or changed by the people's government at the same level. If it is otherwise provided by law, it shall be handled in accordance with the provisions of relevant laws.

Article 25 Application for loan: If the borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

What is the mortgage loan process for buying a house?

1. Choose a suitable property, and the down payment ratio of each property may be different.

2. Sign a house sales contract. Buyers and sellers must put their rights and obligations into words, especially the key terms such as housing area, payment method and property status.

3. Submit the mortgage loan application, and after confirming the housing, consult the relevant banks to understand the relevant provisions of mortgage loans.

4. After approval, a loan contract needs to be signed. Need to pay various fees, mortgage, insurance.

5. Waiting for a bank loan. After the loan, remember to ask the bank for a loan contract and an iou. There are also two copies of the real estate license.

6, Housing Authority for the record. Property buyers need to bring the "Housing Mortgage Loan Contract" and the purchase contract to the relevant departments of the Housing Authority for mortgage registration.

7. Open a special repayment account to start repayment.

8. Finally, pay attention to the closing time. You can find a professional to inspect the house when inspecting the house. Look up "three certificates, two books and one table" If the developer can't produce these documents, he can refuse to accept the house.

For more information about the mortgage process, please visit: See More.

What are the procedures for housing mortgage loan?

There are six main steps in the process of housing mortgage loan. The first step is to apply: the borrower will fill in the application form at the loan handling outlet with the following supporting documents:

Valid identity documents;

Proof of marital status;

Pledge and mortgage documents, if the guarantor provides guarantee, there must be guarantee documents.

Second, the bank's loan audit: the bank investigates the borrower's guarantee and credit, examines and approves according to the procedures, and informs the borrower of the examination and approval results.

Third, sign a contract: after the borrower's application is approved, he shall go through the following procedures:

Signing loan contracts and corresponding guarantee contracts with banks;

Go through notarization, insurance, mortgage (pledge) registration and other procedures.

4. Lending: After the borrower completes the relevant formalities, China Merchants Bank will pay the loan to the borrower's personal account and transfer the loan to the relevant payee's account according to the borrower's entrustment.

The fifth is to sign a loan contract after investigation and approval. The agent of the loan bank will deposit the money into the seller's account after completing the registration notarization procedure (the insurance is based on the principle of customer's voluntariness), and inform the customer to go to the seller to handle the purchase formalities with the contract.

Six, the loan bank pays the deed tax, obtains the deed certificate, and completes the registration procedures of the real estate certificate and the house mortgage. Fees are charged in strict accordance with the charging standards of relevant competent departments, and no agency fees are charged. The borrower must provide all the materials required for the above procedures. After the loan is returned, the lender cancels the collateral and returns it to the customer. Housing mortgage loan process

1. The seller proposes the mortgage loan cooperation intention to the loan bank.

2. The loan bank investigates the seller's development project, construction qualification, credit rating, person in charge's conduct, corporate social goodwill, technical strength, operating status and financial status, and signs a mortgage loan cooperation agreement with qualified sellers.

3. The borrower signs a house purchase agreement with the seller, and pays more than 30% of the house price (40% of the commercial house).

4. The borrower applies for mortgage loan with the purchase agreement, 30% purchase receipt, ID card and proof of marital status, and opens a deposit account or bank card in the loan bank.

Loan mortgage to buy a house

5. After investigation, examination and approval, a loan contract is signed. After the agent of the loan bank completes the registration and notarization procedures, the money will be deposited in the seller's account (the customer adopts the principle of voluntary insurance), and the customer will be informed to go to the seller to go through the purchase procedures with the contract.

6. In the future, as long as the borrower leaves enough repayment amount in the deposit account or bank card before the 20th of each month (quarterly), the loan bank will automatically deduct it from the borrower's account and settle it in full at maturity.

The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!

What is the mortgage to buy a house process?

Banking procedures in mortgage to buy a house:

1. First, please go to the bank for relevant information. And apply for personal housing loans with all relevant materials.

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 apply for insurance. Handle the registration and notarization of property right mortgage.

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

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

Loan target: China citizens with full capacity for civil conduct according to regulations, Hong Kong, Macao and Taiwan citizens with full capacity for civil conduct according to Chinese mainland regulations, and foreigners with full capacity for civil conduct according to Chinese mainland regulations.

If buyers want to get mortgage services, they 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.

Extended data:

(1) Requirements of the borrower for housing loan

1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age and loan application period shall not exceed 70 years old.

(2) Information to be provided by mortgage to buy a house:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

(3) Materials to be provided by the borrower for mortgage purchase.

1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

(4) mortgage to buy a house's special situation.

Information for foreigners to buy a house:

Taiwan Province Provincial People-Mainland Travel Pass (Taiwan Compatriot Certificate), household registration vine (which can prove marital status), approval form for purchasing houses in Beijing, and mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration).

Hong Kong people-Hong Kong identity card, marriage certificate, mortgage notarized certificate (entrusted to handle the later house ownership certificate and mortgage registration)-Koreans-notarized translation of China passport, notarized translation of Chinese name, notarized translation of household registration book (which can prove marital status) and notarized mortgage notarized certificate (entrusted to handle the later house ownership certificate and mortgage registration).

Other nationalities-notarization of Chinese translation of passport, Chinese translation of name, Chinese translation of marriage certificate, notarization of mortgage (entrusted to handle the registration of house ownership and mortgage in the later period).