It is also possible. If the mortgage is pre-approved, it will enter the next review stage. After entering the regular approval stage, the bank will strictly review the loan information submitted by users and whether the users are eligible for loans. At this review stage, users may be refused loans. Therefore, pre-approval can only say that users are qualified to enter the next approval stage. Only after signing the mortgage contract can the loan application be considered successful, and the pre-approval does not mean the final result of the mortgage application.

Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan filled out by the buyer to the loan bank, as well as legal documents such as ID card, income certificate, housing sales contract and guarantee letter. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank will directly transfer the loan funds to the sales unit within the time limit stipulated in the contract.

Loan application information

1. Borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

note:

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.

Generally speaking, it takes about 1 month to get a loan.

Program flow

1. The borrower shall fill in the application form for housing mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; Proof of the ownership of the house or proof that I have the right to control the house according to law; Appraisal report, appraisal report and insurance certificate of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping.

4. The borrower and the borrower's guarantor sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6. The loan applicant repays the loan on a monthly basis.