买房步骤（Buying steps）.doc

买房步骤（Buying steps） Number of visits: 16010 replies: 74 The author replies: Korner, date of publication: 2011-12-1 11:57:03 I work in the commercial bank for seven years (commercial banks not only city commercial banks, industry, agriculture, in construction, China Everbright, China Merchants, gf and so on are), is mainly responsible for the loan, now leave, because not all kinds of shady banks, here is risking his life for everyone to talk about the mortgage note, you want to help prospective owners. First, the choice of banks 1, Yishoufang If you are buying Yishoufang, namely buy it in the hands of developers (forward delivery housing for real estate is not the house), bank loans can choose is very limited, because of the development of real estate developers in which commercial banks access restrictions, such as: the developers of A B garden, ICBC, CCB has access for good real estate, then you can choose the bank or bank, if only in the line access, then you can only choose ICBC, to see the real estate developers to access and. It is necessary to pay attention to here, suggest that prospective owners apply for housing mortgage in two banks, because of the so-called loan size limit, even if the commercial bank approved by your mortgage applications, it may not be able to loan or instant loans, it will affect the developers for you. 2, second-hand housing If you have purchased houses is the second-hand housing, in the individual or entity (non developers, before hand handle the real estate of the house), you can choose the more you can go to the bank loans, commercial banks ask, whether to accept second-hand housing loan application conditions, you can compare, which of course, some good, you can also apply for loans to banks, this requires you to purchase housing before hand (tip: you and before the leaders, apply to the banks of the benefits which bank is approved quickly, which loan first, in which you do so before the loan, the hand naturally get tail too fast).