The process of handling mortgage: 1. Sign a house sale 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 negotiated with your predecessor. 2. Submit a loan application to the bank. After the bank accepts your application, if the information is incomplete or insufficient, it will ask you to provide additional information. The general approval time is about 2 weeks. When the bank approves your loan application instead of your loan, you should pay attention to it. You should ask the bank manager when the loan can be arranged 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 complete 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 apply for loans again. Remember to ask the bank for your loan contract and loan receipt after lending, and the second-hand house will also have insurance policies and evaluation books. 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 it when they do things.
Skills in handling personal mortgage loans;
1. Choosing a bank to apply for a loan is stressful. The monthly income is up to standard, and there is no problem with personal credit information. Choosing a bank to apply for a loan is also very particular. First of all, you can choose the nearest payroll card issuing bank. Generally speaking, the bank applying for a loan is the same as the bank where the salary card is located. The bank will think that you are a high-quality and stable customer. The higher the internal score, the greater the possibility of obtaining a high loan.
2. Pay attention to credit reporting and sesame points. With the development of internet finance, in addition to personal credit reports, many loan products will also refer to third-party credit reports, such as Sesame Credit. The high score of sesame score can also help many online microfinance products to increase the amount.
3. Clever use of provident fund credit loans. The maximum loan amount of ordinary credit loans is 10 times of monthly salary, while the maximum loan amount of provident fund loans is 10-20 times of personal annual account deposits. Assuming that your annual contribution to the provident fund is relatively high, under the same conditions, you may wish to consult whether there is a suitable provident fund credit loan.