The basic process of mortgage loan is as follows:

On-the-spot house inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the houses applying for mortgage loans to conduct on-the-spot house inspection;

Property right verification; The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for inspection.

The original, verification, and go through the relevant formalities;

Signing: the bank carefully checks the original information of customers, identifies the authenticity of all contractors, supervises the signature of customers and collects the real estate.

Original certificate and deposit (the specific amount is determined by the buyer and the seller), and copy the information to remind both parties to open an account in the bank;

Fill in the contract: the bank sorts out the information and fills in the contract according to the relevant information provided by the customer;

Payment obligation: the bank informs the customer to pay the fee after passing the pre-trial;

Transfer of property rights: the buyer and the seller go through the formalities of property rights transfer with the help of the Housing Authority; The Lender prepares relevant materials to go through the mortgage formalities at the bank;

Bank loan.