When buyers apply for a mortgage loan to buy a house, they generally follow the following steps to apply for a mortgage loan:

1. Sign a house purchase contract with the developer.

At this time, you need to pay attention to check whether the developer has the "five certificates": "State-owned Land Use Certificate", "Construction Land Planning Permit", "Construction Project Planning Permit", "Construction Project Construction Permit" ", "Commercial Housing Sales (Pre-Sale) License".

2. Pay the down payment and keep the down payment receipt.

3. Go to the bank to fill out the "Personal Housing Loan Application Form".

Developers usually sign cooperation agreements with one or several banks, so it will be more convenient to apply for a mortgage loan agreement with a bank that has an agreement with the developer. Bring the originals and copies of the down payment receipt, "Commercial Housing Sales Contract", ID card, local household registration book (for non-local household registration, proof of temporary residence for more than one year), income certificate, etc. to the bank to fill out the "Personal Housing Loan Application Form".

4. The bank reviews the mortgage loan application.

The bank's loan officers will review and approve the materials submitted by the applicant step by step. If they are deemed to meet the bank's loan conditions, they will notify the applicant to sign a "Personal Housing Mortgage Loan Contract" with a contract period of no more than 30 months. Year.

5. Go to the Housing Authority to apply for the "Certificate of Other Rights to the House" to prove that there is a bank's mortgage on the property. Go to the notary department to apply for notarization of property rights mortgage. Go to an insurance company to apply for home insurance.

Banks will generally handle the above procedures for you.

6. Open an account.

Customers who choose the entrusted deduction method for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account or savings card or credit card account for repayment at a business outlet designated by the lending bank. At the same time, the house seller must open a house sales settlement account or a special deposit account with the lending bank.

7. Use the loan.

For loans approved by the lending bank, after completing the relevant procedures, the lending bank will directly transfer the loan to the borrower's deposit account opened with the lending bank in accordance with the loan contract, or transfer the loan once or The money will be transferred in installments to the deposit account opened by the seller at the lending bank.

8. Repay as agreed.

The borrower must repay the principal and interest of the loan according to the repayment plan and repayment method stipulated in the loan contract, otherwise the bank may repossess the house in accordance with the law.

9. Repay the loan.

After the loan principal and interest are paid off, the mortgage registration is cancelled, and the home buyer becomes the real owner of the house.

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