First, the buyer's mortgage loan purchase process:
1. Accompanied by a third-party intermediary or the buyer goes to the People's Bank for credit information alone (go to the People's Bank to check the buyer's credit information, three times a year for free).
2. The third-party intermediary agency must accompany the seller to the Housing Authority to investigate the property rights of the house (investigate whether the property rights of the house are mortgaged, sealed up, analyzed and inherited, and the owner of the house).
3. There must be a third-party intermediary present, and both parties to the transaction sign a sales contract, pay the down payment to the seller and reserve the balance of the house;
4. The third-party intermediary agency handles the house transfer, and the bank reviews the loan conditions;
5. The third party intermediary accompanies both parties to the bank to issue loans to the seller's account;
6. The third-party intermediary must bring both parties to the transaction to deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out).
7. Pay the final payment to the seller;
Two. The Buyer purchases the house in full:
1. Property right investigation (to investigate whether the property is mortgaged, sealed up, divided and inherited, and the owner of the property) must be accompanied by a third-party intermediary.
2. The third-party intermediary must be present, the two parties to the transaction sign a sales contract, and the buyer pays the down payment to the seller and keeps the balance of the house; 3. Third-party intermediary does house transfer.
4. The third-party intermediary must bring both parties to the transaction to deliver the property (water, electricity, gas, heating and property fees, and the original owner's account must be moved out).
5. Pay the final payment to the seller