Bank loan rounds mean that before lending to the bank, the bank people will evaluate the lender, that is, they will inspect the lender's house to see how the lender's economic ability is and whether the loan can be repaid in the future. The period of this round is not fixed. Generally speaking, it takes two weeks, and it is almost approved. After approval, the loan can be continued.

What is the process of handling mortgage?

1. Sign the house sales contract. Of course, this is only an intentional contract. Don't transfer the ownership yet, and don't pay the down payment. The down payment depends on the terms you talked with your previous hand.

2. Submit a loan application to the bank. After accepting your application, the bank will ask you to provide supplementary information if the information is incomplete or insufficient. The general approval time will be about 2 weeks.

When the bank has approved your loan application instead of your loan, you should pay attention. You should ask the bank manager when you can arrange to release the loan after the mortgage is completed. After confirmation, you can handle the transfer and pay the down payment.

4. Sign loan contracts with banks, pay various fees, and handle mortgage and insurance. When signing a loan contract, you should read the terms clearly, because most bank managers do these loan contracts in batches, and mistakes and omissions are inevitable.

5. Go through mortgage and insurance procedures.

6. loans. Some banks need customers to go to the bank again to apply for loans. Remember to ask the bank for a loan contract and loan receipt that belongs to you after the loan is finished, and the second-hand house will also have insurance policies, evaluation books and so on. There are also two copies of the real estate license, remember to stamp the official seal of the bank, because some organs and departments need to do things.