The first step in buying a house is definitely to choose a house. Who wants to spend money on a house they have never seen before? I don't know how to see the house in detail here. Friends who need to know can also look through Zhi Rongrong's early articles and have relevant suggestions.
In short, before buying a house, you must carefully choose the house you want to buy. Whether living or investing, this link can't be ignored.
sign
When you finally choose your favorite house, then quickly notify the relevant sales manager to enter the subscription link. There may be some differences in the process of this link because of different local policies. For example, some places need to queue up to submit materials, then shake the number (review the qualification of buying a house), and then participate in the subscription, and some places don't have to queue up. They only need to sign a letter of intent to buy a house on the spot, pay a certain deposit and sign a house purchase contract at the agreed time.
3. Sign a house purchase contract.
With the qualification of buying a house, you can sign a contract with the developer. At this time, you need to pay the down payment. After signing the contract, the purchase contract cannot be taken away directly, and the developer will hand it over to the Housing Authority for the record.
For buying a house, whether it is a loan or a full payment, the purchase contract is the key. Please read each treaty carefully before signing.
apply for loan
We must apply for a bank loan as soon as possible after signing the contract. Careful friends may find that many signing offices have bank staff. We can directly submit relevant materials to them on the spot and sign the mortgage application, and then wait for the approval of the bank. If there is no bank staff at the scene, then we need to go to the bank counter to handle it.
For this link, in some places, it can also be completed before signing the purchase contract. The advantage of this is that you can determine whether you can get a loan, instead of checking out after paying the down payment. Whether it can be promoted or not requires everyone to make judgments according to local conditions.
5. Sign a mortgage contract
After the approval of the bank, it is necessary to sign a housing mortgage loan contract with the bank. The contract will clearly stipulate: loan amount, loan term, repayment method, etc.
6. Mortgage registration and filing
After signing the housing mortgage loan contract, you need to go to the relevant departments for mortgage registration, including the certificate of other rights of the house. General banks will directly handle this link. After the loan is officially issued, you will be informed to get back the mortgage contract.
7. Deliver the house and repay it on schedule.
After the successful filing, even if you successfully win the house, you can wait for the delivery with peace of mind. After handing over the house, you will get relevant certificates such as house property rights, and the certificate of other rights of the house will be deposited in the bank. Of course, it is also important to remember to repay according to the repayment plan agreed with the bank.
8. Settle the loan
After paying off all the loans, you need to go through the relevant formalities in the bank, get the certificate of other rights of the house, and then go to the local property housing security and real estate management bureau to cancel the mortgage registration. After this step, the process of buying a house with a loan is over.
There are many related materials to be submitted when applying for house purchase, and there are also differences due to different local policies and bank requirements.
1. Business license (check the original, keep a copy) for self-employed individuals to provide their valid identity documents (ID card, household registration book or other valid residence certificates).
2. Proof of the applicant's marital status (marriage certificate or single certificate).
4. Proof of income and property of the borrower and spouse, including salary table, personal income tax table, income certificate issued by the unit, bank deposit certificate, etc.
5. Purchase contract, down payment receipt and other relevant purchase vouchers.
6. Other certificates required by the bank.
1. Provident fund loan
As long as there is a housing provident fund deposit, you can apply for a provident fund loan.
Needless to say, the benefits of provident fund loans, the most important thing is the low interest rate of 3.25%.
The most troublesome thing about applying for provident fund loans is that the approval time is long, and it has not been approved for 2 months.
2. Commercial loans
Commercial loans are targeted at a wide range of groups. As long as you meet the relevant requirements of the bank, you can apply for a commercial loan.
The interest rate of commercial loans is relatively high, with a five-year LPR of 4.80%. At present, a lot of B.
In this way, the loan not only uses the provident fund, but also meets the needs of the loan amount, which is relatively troublesome to handle. Generally speaking, to apply for a commercial loan, you need to apply for a provident fund loan first.
In portfolio loans, the loan term, loan date and repayment date of provident fund loans and commercial loans are the same, but different interest rates are implemented.
1. Equal principal and interest
Matching principal and interest means that the loan amount (including principal and interest) to be repaid every month during the repayment period is equal.
Matching principal and interest is the most mainstream repayment method, with the same repayment amount in each installment. It is better to plan your own repayment plan, which is more suitable for friends with stable income.
2. Average capital
The average capital divides the total loan amount evenly during the repayment period, and repays the equal principal and interest generated by the remaining loans in the current month every month.
Compared with the equal principal and interest, although the total interest is lower and the repayment amount of each installment is also decreasing, the prepayment amount is higher and the pressure is greater, which is suitable for friends with relatively high income or large short-term income growth who are ready to prepay.
1. The loan term and amount shall be given after the approval of the bank. It is suggested to submit as much true information as possible, such as income, work unit, etc.
2. When signing the housing mortgage loan contract, the prepayment matters must be made clear, including the process, liquidated damages and procedures.
3. Friends who need to use provident fund loans, it is best not to know the balance of provident fund before the application is approved, which will affect the final allocation quota.
4. Before applying for a mortgage loan, don't apply for a loan indiscriminately, and most of the consumer loans should be paid back. The number of credit inquiries and the debt ratio will also affect the loan approval.
5. In case of repayment difficulties, you should contact the bank in time, and the repayment period can be adjusted after confirmation by both parties.
6. Repay on time and don't be overdue.
If the situation is serious, the bank can recover the loan in advance.
7. Some banks will require buyers to apply for personal insurance and property insurance when signing housing mortgage loan contracts. The policy was handed over to the bank before the principal and interest of the loan were paid off.
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