1. Conditions for buying a house with a bank loan:
(1) Borrower's requirements
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:
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) Information required by the borrower
1, ID card 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 court 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) Special circumstances
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).
Second, the bank loan to buy a house process:
1, go to the bank to learn about it. After meeting the conditions for buying a house with a bank loan, apply for a personal housing loan with 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.
(1) Process 1 of buying a house with a bank loan: choosing a real estate.
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 the support of banks and determine whether it meets the conditions of bank loans to ensure the smooth acquisition of mortgage loans.
(2) Bank loan process 2: loan application
After confirming that the property you choose has bank mortgage support and meets the conditions for buying houses with bank loans, buyers should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
(3) Bank loan to buy a house process 3: sign a house purchase contract.
The bank receives the relevant legal documents of mortgage application submitted by the property buyers, and after examination, it confirms that the property buyers meet the conditions of bank loan purchase, it issues a loan consent notice or a mortgage loan commitment letter to the property buyers. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
(4) Bank loan to buy a house process 4: Sign a house mortgage contract.
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
(5) Bank loan purchase process 5: mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. 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. Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
(6) Bank loan purchase process 6: Open a special repayment account.
After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time, and will be used as the personal housing loan business guaranteed by the purchaser's purchase price in stages.
Legal basis "Interim Measures for Personal Loans"
Article 11
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.