How to handle the mortgage loan process?
1. After signing the contract loan for examination and approval, the handling personnel are required to sign relevant contracts with the contract, borrowers (borrowers, mortgagor and guarantor) and authorized signatories of the establishment bank according to different loan purposes and loan guarantee methods.
2. After going through relevant procedures such as cancellation of collateral (pledge), insurance notarization, opening a borrower's deposit account, signing a collateral (pledge) contract, and receiving collateral, the credit department will cancel the "Cancellation of collateral (pledge) one by one" according to the collateral (pledge) and fill in the "China set up bank collateral (pledge) according to the value of collateral.
3. Fill in various accounting vouchers after the contract comes into effect.
4. Handling loan transfer procedures After receiving the payment notice from the credit department and checking it correctly, the accounting department handles loan transfer procedures in accordance with relevant regulations and procedures, and transfers funds by direct payment or special transfer.
Do I need to go to the sales office to get something after the bank lends money?
Generally speaking, after receiving the loan notice from the bank (mostly in the form of text message or telephone call), the user will lend money in the afternoon or the next day. At this time, the developer should register with the real estate management department with the contract signed with the lender, and the user also needs to go to the real estate management department to get the purchase contract.
After the loan is completed, the bank will send the loan contract, repayment bank card and other related materials to the developer, and the user also needs to go to the developer (that is, the sales office) to collect these materials.
Generally speaking, after receiving the loan notice, users need to get the house purchase contract, loan contract signed with the bank, repayment bank card and other related materials that the developer has completed registration and filing. Some netizens asked if they wanted to get the relevant invoices, which is for sure. Lenders should also remember to go to the sales office to get all the invoices.
Finally, remind everyone that after the mortgage is paid off, the lender still needs to go to the bank to go through the relevant procedures and get the property certificate of the house. Need to bring real estate license, other property certificates, original ID card, etc. Go to the real estate management bureau to go through the formalities of mortgage cancellation registration.